{"id":2033,"date":"2017-05-17T23:12:00","date_gmt":"2017-05-17T21:12:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=2033"},"modified":"2026-08-07T01:36:05","modified_gmt":"2026-08-06T23:36:05","slug":"payments-2016-innovative-stable-secure","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-2016-innovative-stable-secure\/","title":{"rendered":"Payments in 2016: innovative, stable and secure"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Payments in the Netherlands in 2016 were characterised by extensive digital innovation, high availability across the various payment chains and very low fraud losses. The Dutch Payments Association\u2019s <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Jaarverslag-Betaalvereniging-2016.pdf\">2016 annual report (in Dutch)<\/a>, published today, outlines developments that put the Netherlands among Europe\u2019s leaders in payment speed, convenience, reliability and security.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1240\" height=\"813\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/jaarverslag-2016.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Front page of the Dutch Payments Association&#039;s 2016 annual report with logo and abstract blue-white areas.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/jaarverslag-2016.jpg 1240w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/jaarverslag-2016-300x197.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/jaarverslag-2016-1024x671.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/jaarverslag-2016-768x504.jpg 768w\" sizes=\"auto, (max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">The digitisation of payments continued in 2016. Various service providers introduced innovative apps and online payment services. Banks launched services including <a href=\"https:\/\/www.idin.nl\/\">iDIN <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>, which allows consumers to identify themselves online to other organisations using their own bank\u2019s secure and familiar login method. Some providers developed mobile apps that allow individuals to pay each other quickly, easily and securely, often using <a href=\"https:\/\/www.ideal.nl\/\">iDEAL <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>. The sector\u2019s innovative strength also led to the introduction of <a href=\"https:\/\/www.incassomachtigen.nl\/consument\/incassomachtigen\/\">digital direct debit mandates (in Dutch) <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:\/\/www.ideal.nl\/consumenten\/ideal-qr-code\/\">iDEAL QR (in Dutch) <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> in 2016. iDEAL QR codes make it easy and secure to pay paper invoices, donate to street collectors and settle restaurant bills using a smartphone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-altijd-en-overal-betalen\">Paying anytime, anywhere<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The electronic payment chains for <a href=\"https:\/\/www.pin.nl\/\">debit card payments (in Dutch) <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>, iDEAL, online banking and mobile banking were more stable than ever before. Despite a continuing increase in both providers and users within these payment chains, there were fewer disruptions than in previous years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of every 1,000 debit card transactions in 2016, 998 succeeded immediately on the first attempt. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/is-my-bank-available-online\/\">Online and mobile banking were available 99.7% of the time between 7 am and 1 am in 2016<\/a>, compared with 99.6% in 2015. <a href=\"https:\/\/www.ideal.nl\/beschikbaarheid\/\">iDEAL achieved comparable availability in 2016: 99.66% between 6 am and 12.30 am (in Dutch) <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>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This high availability is due in part to the constant attention that all participants in the payment chains give to preventing disruptions. The Dutch Payments Association monitors the stability of the payment chains and facilitates effective coordination, information sharing and smooth cooperation among all participants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-schade-door-fraude-historisch-laag\">Fraud losses historically low<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Payments using debit cards, smartphones, iDEAL, online banking and mobile apps are growing by double-digit percentages each year. Nevertheless, <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-fraud-losses-fall-sharply-again\/\">banks\u2019 losses from fraud involving electronic payment methods fell by no less than 43% in 2016 compared with the previous year<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank customers are less easily deceived, partly thanks to the Dutch Payments Association and banks\u2019 joint awareness campaign, \u201c<a href=\"https:\/\/www.veiligbankieren.nl\/\">Hang up, click away, call your bank! (in Dutch) <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>\u201d. Banks and payment institutions also invest continuously in better monitoring and detection of fraudulent payments. This helped reduce total losses from malware in online banking to well below \u20ac1 million in 2016, at \u20ac800,000. No fraud at all was recorded through Dutch banks\u2019 mobile apps last year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cooperation between payment service providers, public authorities and cybersecurity companies, together with mutual sharing of knowledge and information, is the key to securing payments successfully. Within the <a href=\"https:\/\/www.ncsc.nl\/\">National Cyber Security Centre (in Dutch) <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 the <a href=\"https:\/\/www.ncsc.nl\/\">Financial Institutions Information Sharing and Analysis Centre (in Dutch) <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>, this cooperation focuses primarily on preventing cybercrime through effective monitoring and detection.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acceptgiro-blijft-nog-even\">Acceptgiro to remain for now<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The processing of <a href=\"https:\/\/www.acceptgiro.nl\/\">Acceptgiros (in Dutch) <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> was due to end on 1 January 2019, but that end date has been postponed indefinitely. Charities and some consumers still use the paper <a class=\"internal-link-juicer-keyword-link\" href=\"https:\/\/www.betaalvereniging.nl\/en\/glossary\/acceptgiro\/\">Acceptgiro<\/a> relatively frequently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, the migration to better and more efficient alternatives to the Acceptgiro continues. The Dutch Payments Association and the banks continue to advise Acceptgiro users to replace this outdated paper payment method, for example with digital direct debit mandates or smart use of iDEAL.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-contant-geld-goed-bereikbaar\">Good access to cash<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The number of bank ATMs is gradually declining, as is the number of bank branches with cash services. Nevertheless, the <a href=\"https:\/\/www.dnb.nl\/inclusieve-samenleving\/maatschappelijk-overleg-betalingsverkeer\/\">National Forum on the Payment System (in Dutch) <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> found that access to cash remained good in 2016. The Dutch Payments Association and the banks remain committed to <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\">keeping cash available and accessible<\/a>, including in sparsely populated areas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Jaarverslag-Betaalvereniging-2016.pdf\"><em>Download the Dutch Payments Association\u2019s full 2016 annual report (in Dutch)\u2026<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Dutch Payments Association\u2019s 2016 annual report highlights digital innovation, highly available payment chains and historically low fraud losses.<\/p>\n","protected":false},"author":7,"featured_media":2035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[37,56,20,22,23],"btv_subject_tax":[30,16,8,10,17],"class_list":["post-2033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-annual-report","category-association-news","category-news","category-press-release","category-publication","btv_subject_tax-account-to-account-payments","btv_subject_tax-card-payments","btv_subject_tax-cash-payments","btv_subject_tax-digital-identity","btv_subject_tax-online-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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