Payments and Cards

The global economic crisis had an inevitable impact on the cards and payments industry as organisations have looked to reduce costs, restore consumer confidence and retain market share. In this uncertain commercial landscape 3 key challenges dominate planning and thinking:

  • The impact on business models of the shift to debit by consumers and the prevailing low interest rate world
  • Retaining and growing profitability in the face of increasing regulation, uncertain customer demand and the economic cycle
  • The increased homogenisation of the card environment and the associated difficulty in creating differentiated offerings and ensuring loyalty schemes work effectively

As a result organisations are looking for the application of creativity and innovation to grow market share and reduce costs. However this approach has inherent risks and Sopica have developed solutions that can assist organisation to meet these goals in a structured, predictable, lower risk manner. 

Our current solution portfolio includes:

  • Payments 1.0 - a structured route map to assist clients navigate an informed and efficient path through the maze of new payments products and solutions allowing a risk-managed selection of a fit for purpose solution
  • New Concept Development - based upon our extensive experience and industry knowledge a proven fast track approach to product development from initial concept through to business case and solution design
  • Solution Shaping - A template that assists organisations to define, test and iteratively shape all aspects of a potential solution to ensure the deliverable is robust, coherent and pragmatic
  • Business Efficiency - A challenge process designed to ensure that the operational and technology environments are optimised to deliver the corporate objective in the most cost effective and innovative manner

We have particular expertese in the following payment areas:

Mobile Phones




Initiatives such as - SEPA, TARGET2, FATCA etc.

Credit card payment transactions including card provider schemes e.g. WorldPay

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