Welcome to the new PaymentsSource Morning Briefing, delivered daily. The information you need to start your day, including top headlines from PaymentsSource and around the Web:

U.K. says Diebold Nixdorf's hurting competition: The U.K. government is pressuring ATM maker Diebold Nixdorf to lighten its grip on the British cash access market following the company's merger with Wincor Nixdorf. The Competition and Markets Authority contends the $1.8 billion deal has left NCR as the only major alternative in the ATM market, and the lack of competition could reduce quality and increase prices. The CMA has recommended Diebold Nixdorf sell assets or apply services to new market entrants. In response, Diebold Nixdorf said it's pleased the CMA has not questioned global competitiveness, and any remedies will focus on being unintrusive and inexpensive. The CMA first began looking into the merger in August.

Image: Bloomberg News
Image: Bloomberg News

Hungary plots instant nationwide payments: The National Bank of Hungary is planning an instant transfer network for domestic payments, which should be complete by 2019, reports Finextra. The bank-led Zelle-style system will use new Sepa standards for instant transfers. The national bank launched the initiative after a national consultation, and admits the project will be "costly" in the short-term, but says it is necessary for Hungarian banks to remain competitive in the long-term.

Shake Shack's 'order ahead' gets a little larger: Order ahead apps are a major strategy for quick service chains looking to shed lines, becoming a big part of PayPal's merchant acquisition effort and a sizeable chunk of Starbucks' volume. Shake Shack is gradually expanding its app’s coverage from Manhattan to a larger part of the U.S., according to Eater. The website reports Shake Shack's move is not fully national--order ahead is available only on iOS and is not available in Austin, Dallas, Atlanta and other locations. Shake Shack is developing an Android app.

ATMs beware of 'Alice': Trend Micro has released research on Alice, a new ATM malware family that poses a variety of threats to cash machines. The malware, which runs on any ATM hardware that uses XFS, empties the ATM's money safe but does not have skimming features. Crooks use an external keyboard to control Alice, using an authentication tool that allows "mules" to offer their ID. It also masks itself--if there are too many incorrect PINs entered, the malware will stop working.

From the Web (powered by Wiser)

The race to fix Nigeria’s payments problem just received a big boost
Quartz • Yomi Kazeem
Making online transactions is a process taken for granted as one of the natural offshoots of deeper internet penetration. But, in Nigeria, things haven’t been…

Mobile Payments Today: 2016 in review
Mobilepaymentstoday.com • Will Hernandez
Was 2016 the year of mobile payments?

Samsung Pay set to launch in India in H1 2017 – report
Mobile World Live • Chris Donkin
Samsung is preparing to launch its Pay app into the Indian market during the first half ... The post Samsung Pay set to launch in India in H1 2017 – report appeared first on Mobile World Live.

More from PaymentsSource

Acquirers confront their ethics—and technology helps
Merchant acquirers say the industry has worked over the course of decades to improve its ethics. But some acquirers report that deceptive practices and dubious tactics still exist, and that the card brands could do a better job at enforcing their own rules.

Fed's debit pressure on Visa a welcome move for competition
The Federal Reserve and Federal Trade Commission recently proved there is a cop on the beat ensuring that the debit reforms passed by Congress are followed.

A Kentucky bank brings business clients' voices into security
The scourge of account takeover isn't lost on Citizens Union Bank, which is involving its business customers — or rather, their biometric traits — in improving the security of their accounts.

When a patent-happy industry meets open-source technology
When the financial services industry started paying attention to blockchain technology, many companies, seemingly as a reflex, sought patent protection for their ideas.

Australia’s Octet does cross-border B-to-B payments via virtual cards
Sydney-based Octet Finance, a provider of supply chain management and financing tools for small and midsize businesses, has formed an alliance with Mastercard enabling users to make cross-border payments using their existing Mastercard credit and debit card accounts via virtual card technology.