{"id":1401,"date":"2021-08-31T00:00:00","date_gmt":"2021-08-30T22:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1401"},"modified":"2026-08-06T22:07:26","modified_gmt":"2026-08-06T20:07:26","slug":"payments-newsletter-betaaljournaal-11","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-newsletter-betaaljournaal-11\/","title":{"rendered":"Payments newsletter: Betaaljournaal 11"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">First of all, I hope you all had a good summer and were able to spend it in good health with your loved ones, whether in the Netherlands or abroad, despite COVID-19 and the disappointing weather, or wildfires and floods. Please hang in there a little longer, wash your hands and keep your distance. Fortunately, there is light at the end of the COVID-19 tunnel. It appears that we will be able to meet in person more often again, and I look forward to that. Perhaps we will see each other soon at a meeting, Money20\/20, Euroforum or our Annual Conference on 18 November. We are awaiting the government&#8217;s advice, but remain hopeful. In this late-summer edition of Betaaljournaal, we highlight several recent activities. Read about the revamped Current Account Switch Service, our members&#8217; accessibility initiatives and warnings about spoofing and WhatsApp fraud.<br><strong>Gijs Boudewijn, Acting Managing Director<\/strong><\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"435\" height=\"435\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/illustratie-beperking-toegankelijk-224416063.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Set of icons shows different types of accessibility and support, such as wheelchair use, visual and hearing impairment, care, guidance and mobility.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/illustratie-beperking-toegankelijk-224416063.png 435w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/illustratie-beperking-toegankelijk-224416063-300x300.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/illustratie-beperking-toegankelijk-224416063-150x150.png 150w\" sizes=\"auto, (max-width: 435px) 100vw, 435px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">In this edition:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#h-current-account-switch-service-revamped\">Current Account Switch Service revamped<\/a><\/li>\n\n\n\n<li><a href=\"#h-update-payment-segmentation-study\">Update: payment segmentation study<\/a><\/li>\n\n\n\n<li><a href=\"#h-payments-for-all\">Payments for all<\/a><\/li>\n\n\n\n<li><a href=\"#h-inserting-a-card-to-pay-is-a-thing-of-the-past\">Inserting a card to pay is a thing of the past<\/a><\/li>\n\n\n\n<li><a href=\"#h-netherlands-as-a-benchmark\">Netherlands as a benchmark<\/a><\/li>\n\n\n\n<li>Bank helpdesk impersonation fraud and WhatsApp fraud remain widespread<\/li>\n\n\n\n<li>Study of digital fallback alternatives for debit card payments<\/li>\n\n\n\n<li>Figures<\/li>\n\n\n\n<li>Agenda<\/li>\n\n\n\n<li>More events and activities<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-account-switch-service-revamped\">Current Account Switch Service revamped<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"585\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Homepage-Overstapservice.png\" alt=\"Homepage of the Dutch Current Account Switch Service website\" class=\"wp-image-1404\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Homepage-Overstapservice.png 800w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Homepage-Overstapservice-300x219.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Homepage-Overstapservice-768x562.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.overstapservice.nl\/?mtm_campaign=betaaljournaal&amp;mtm_kwd=nummer11\" target=\"_blank\" rel=\"noreferrer noopener\">Overstapservice.nl<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> has had a makeover. The website has a fresh new visual identity and meets all current online requirements for responsiveness, speed and navigation. The Current Account Switch Service itself was also updated last year and new features were added. The most important is \u2018<a href=\"https:\/\/www.overstapservice.nl\/nieuw-bank-informeert-nu-ook-betaler-over-nieuwe-rekening\/?mtm_campaign=betaaljournaal&amp;mtm_kwd=nummer11\" target=\"_blank\" rel=\"noreferrer noopener\">Payer Information at Initiation (BIBI)<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>\u2019. This means that banks inform payers and direct debit collectors of the new payment account whenever a payment or direct debit is made to an old payment account. They can then update the address book held by their bank or their own records. All major consumer banks have now implemented BIBI in their apps and online banking environments. Customers therefore hardly ever need to inform payers and direct debit collectors themselves. The BIBI adjustment for batch payments will be implemented in the coming period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-update-payment-segmentation-study\">Update: payment segmentation study<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Infographic-betaalsegmenten-2021.png\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"506\" height=\"719\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Infographic-betaalsegmenten-2021.png\" alt=\"Infographic showing five consumer payment segments in 2021\" class=\"wp-image-1417\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Infographic-betaalsegmenten-2021.png 506w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Infographic-betaalsegmenten-2021-211x300.png 211w\" sizes=\"auto, (max-width: 506px) 100vw, 506px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Why do some consumers use certain payment methods while others do not, or do not yet? Several years ago, the Dutch Payments Association developed five segments based on people&#8217;s values and attitudes towards payments. Each segment represents a group of consumers. Developments in payments never stand still, so new research was carried out to update the segments. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-betaalsegmenten-update-2021.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">View the infographic<\/a> for an updated overview of the segments and the key findings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-payments-for-all\">Payments for all<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/accessibility-and-inclusion\/\" target=\"_blank\" rel=\"noreferrer noopener\">Accessible payments<\/a> mean payments for everyone. Banks therefore make digital banking as user-friendly as possible for all customers. As a result, more and more customers use online banking, mobile banking apps and electronic payments at checkouts. Banks naturally also pay attention to people in vulnerable situations. To support them, banks offer adapted products, specially trained care advisers, a wide range of courses, video banking and mobile advisers. Banks also work closely with local initiatives run by various institutions and organisations, including libraries, <a href=\"https:\/\/www.seniorweb.nl\/\" target=\"_blank\" rel=\"noreferrer noopener\">SeniorWeb<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>, charities and neighbourhood associations. We will report on these initiatives more frequently in the run-up to Accessibility Week from 4 to 8 October. A selection of <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/accessibility-and-inclusion\/\" target=\"_blank\" rel=\"noreferrer noopener\">banks&#8217; accessibility activities<\/a> is already available on our website.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-inserting-a-card-to-pay-is-a-thing-of-the-past\">Inserting a card to pay is a thing of the past<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"163\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/BNL033-website-foto-2b-mobiel-610x163-1.png\" alt=\"Customer makes a contactless payment with a smartphone\" class=\"wp-image-1423\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/BNL033-website-foto-2b-mobiel-610x163-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/BNL033-website-foto-2b-mobiel-610x163-1-300x80.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">More debit card payments are now made at checkouts without a physical card\u2014using a smartphone, smartwatch or wearable\u2014than by inserting a debit card into the payment terminal. The growing success of contactless payments with smartphones and smartwatches appears to be driven mainly by the introduction of Apple Pay for iPhones and Google Pay for Android devices. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/cardless-debit-card-payments-retail-checkouts\/\">Read more\u2026<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-netherlands-as-a-benchmark\">Netherlands as a benchmark<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"378\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Payments-Strategy-and-Systems-artikel-Piet-Mallekoote-610x378-1.png\" alt=\"Article by Piet Mallekoote in the Journal of Payments Strategy and Systems\" class=\"wp-image-1426\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Payments-Strategy-and-Systems-artikel-Piet-Mallekoote-610x378-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/Payments-Strategy-and-Systems-artikel-Piet-Mallekoote-610x378-1-300x186.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.henrystewartpublications.com\/jpss\" target=\"_blank\" rel=\"noreferrer noopener\">Journal of Payments Strategy &amp; Systems<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> will soon publish an article written by Piet Mallekoote, former Managing Director of the Dutch Payments Association, and Gerard Hartsink, a standardisation expert and editor of the journal. It is the first in a series of articles on payments in the twenty Financial Stability Board (FSB) countries. Piet supplemented his article in <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalingsverkeer_Alledaags_en_Academisch.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Alledaags en Academisch<\/em><\/a> with current information on payment fraud, <a href=\"https:\/\/www.geldmaat.nl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Geldmaat<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> and <a href=\"https:\/\/tmnl.nl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Transaction Monitoring Netherlands<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. Gerard examines various developments in standardisation. We will publish a link to the article in the next newsletter.<\/p>\n\n\n\n\t<div data-name=\"acf\/posts\" class=\"align\" >\n\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t<h2 class=\"sr-only\">A list of articles<\/h2>\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8  lg:grid-cols-3 lg:text-zoom-lg:grid-cols-2 hidden @4xl:grid\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-col hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"relative overflow-hidden aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x.jpg 800w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 gap-4 @5xl:gap-8 @5xl:justify-between w-full\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/cash-accepted-points-of-sale\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\t\tCash accepted at 96% of points of sale\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tCash payments\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-06\">6 August 2026<\/time>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-col hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"relative overflow-hidden aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3.jpg 1000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3-768x511.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 gap-4 @5xl:gap-8 @5xl:justify-between w-full\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/eu-trilogue-digital-euro-begins\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\t\tEU trilogue on the digital euro begins\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tEuropean legislation\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-05\">5 August 2026<\/time>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-col hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"relative overflow-hidden aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"275\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1024x275.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1024x275.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-300x81.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-768x206.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1536x412.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten.png 1538w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 gap-4 @5xl:gap-8 @5xl:justify-between w-full\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/vote-on-the-design-of-new-euro-banknotes\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\t\tVote on the Design of New Euro Banknotes\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tCash payments\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-04\">4 August 2026<\/time>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 grid @4xl:hidden\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-row hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"image:w-full image:aspect-video image:object-cover shrink-0 m-4 mr-0 @lg:m-6 @lg:max-w-[164px] @lg:mr-0 w-1\/4 overflow-hidden group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform \">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x.jpg 800w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/woman-paying-in-cash-banknotesshutterstock_615632546-800x-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-4 @lg:p-6 grow \">\n\t\t<div class=\"flex flex-col gap-2 @6xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal max-w-full break-words text-md @md:text-lg group-hover:underline group-focus-within:underline \">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/cash-accepted-points-of-sale\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tCash accepted at 96% of points of sale\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tCash payments\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-06\">6 August 2026<\/time>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-row hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"image:w-full image:aspect-video image:object-cover shrink-0 m-4 mr-0 @lg:m-6 @lg:max-w-[164px] @lg:mr-0 w-1\/4 overflow-hidden group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform \">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3.jpg 1000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Digital-euro-received-2160115957-1000x666-3-768x511.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-4 @lg:p-6 grow \">\n\t\t<div class=\"flex flex-col gap-2 @6xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal max-w-full break-words text-md @md:text-lg group-hover:underline group-focus-within:underline \">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/eu-trilogue-digital-euro-begins\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tEU trilogue on the digital euro begins\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tEuropean legislation\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-05\">5 August 2026<\/time>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"group relative flex h-full bg-ocean-50 flex-row hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors\">\n\t\t\t<div class=\"image:w-full image:aspect-video image:object-cover shrink-0 m-4 mr-0 @lg:m-6 @lg:max-w-[164px] @lg:mr-0 w-1\/4 overflow-hidden group-hover:image:scale-105 group-focus-within:image:scale-105 image:transition-transform \">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"275\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1024x275.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1024x275.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-300x81.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-768x206.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten-1536x412.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/nieuwe-eurobiljetten.png 1538w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-4 @lg:p-6 grow \">\n\t\t<div class=\"flex flex-col gap-2 @6xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal max-w-full break-words text-md @md:text-lg group-hover:underline group-focus-within:underline \">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/vote-on-the-design-of-new-euro-banknotes\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tVote on the Design of New Euro Banknotes\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<div class=\"order-1 flex flex-wrap items-center gap-4\">\n\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap items-center gap-2\" aria-label=\"Posted in category\">\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tNews\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<div data-component=\"badge\" class=\"text-sm relative font-bold \">\n\t\t\t\t\tCash payments\n\t\t\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t\t\t<time class=\"text-sm font-bold\" datetime=\"2026-08-04\">4 August 2026<\/time>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Betaaljournaal 11 covers the revamped Current Account Switch Service, payment segments, accessibility, cardless payments and the Netherlands as an international benchmark.<\/p>\n","protected":false},"author":5,"featured_media":1403,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,33],"btv_subject_tax":[],"class_list":["post-1401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-payments-newsletter"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Payments newsletter: Betaaljournaal 11 - Dutch Payments Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-newsletter-betaaljournaal-11\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payments newsletter: Betaaljournaal 11\" \/>\n<meta property=\"og:description\" content=\"Betaaljournaal 11 covers the revamped Current Account Switch Service, payment segments, accessibility, cardless payments and the Netherlands as an international benchmark.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-newsletter-betaaljournaal-11\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-30T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T20:07:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2021\/08\/illustratie-beperking-toegankelijk-224416063.png\" \/>\n\t<meta property=\"og:image:width\" content=\"435\" \/>\n\t<meta property=\"og:image:height\" content=\"435\" 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