<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://www.theissueracademy.com/articles/what-are-the-features-and-requirements-of-a-mobile-wallet</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/kenyas-remittance-lifeline</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-is-cards-as-a-service-caas</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/google-pay-officially-lands-in-the-philippines</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-02-19</lastmod></url><url><loc>https://www.theissueracademy.com/articles/interview-with-the-ciso-how-embedding-security-across-every-facet-of-paymentologys-business-is-providing-a-platform-for-innovation</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-rise-of-tokenization-based-payment-solutions</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/how-to-issue-any-type-of-payment-card-in-practical-steps-paymentology</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-Guide%20Main_Processor.png</image:loc><image:caption>TIAGuideMainProcessor</image:caption><image:title>TIAGuideMainProcessor</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA_Guide%20Main.png</image:loc><image:caption>TIAGuideMain</image:caption><image:title>TIAGuideMain</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/region/europe-uk</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UK/Paymentology_%20QuickStartGuide_NewCardProgrammes_UK.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUK</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUK</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20DE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Germany.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-cost-of-credit-card-fraud-in-the-philippines</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/downloads</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Kenya.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/PMGTY_Howtoguide_860x585_LandingPage.png</image:loc><image:caption>PMGTYHowtoguide860x585LandingPage</image:caption><image:title>PMGTYHowtoguide860x585LandingPage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Paper%20Finextra%20ME/Finextra-report_mockup.png</image:loc><image:caption>Finextrareportmockup</image:caption><image:title>Finextrareportmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UAE/Paymentology_%20QuickStartGuide_NewCardProgrammes_UAE.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/pillar/what%20is%20card%20programme%20management_hero.png</image:loc><image:caption>whatiscardprogrammemanagementhero</image:caption><image:title>whatiscardprogrammemanagementhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20MX/Paymentology_%20QuickStartGuide_NewCardProgrammes_Mexico.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20DE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Germany.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KSA/Paymentology_%20QuickStartGuide_NewCardProgrammes_KSA.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20SA/Paymentology_%20QuickStartGuide_NewCardProgrammes_South%20Africa.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/graphic.png</image:loc><image:caption>graphic</image:caption><image:title>graphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20PH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Philipines.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Paymentology_Guide_Card%20Programme%20Management_mockup.png</image:loc><image:caption>PaymentologyGuideCardProgrammeManagementmockup</image:caption><image:title>PaymentologyGuideCardProgrammeManagementmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20TH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Thailand.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UK/Paymentology_%20QuickStartGuide_NewCardProgrammes_UK.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUK</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUK</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-confidence-is-the-foundation-of-every-payment</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Paymentology/client%20stories/Mask%20group.png</image:loc><image:caption>Maskgroup</image:caption><image:title>Maskgroup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/telcos-roles-in-mobile-banking-the-top-4-business-models-and-best-practices</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2-2.png</image:loc><image:caption>Paymentologyblog22</image:caption><image:title>Paymentologyblog22</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2-3.png</image:loc><image:caption>Paymentologyblog23</image:caption><image:title>Paymentologyblog23</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2-1.png</image:loc><image:caption>Paymentologyblog21</image:caption><image:title>Paymentologyblog21</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/topic/technology</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UK/Paymentology_%20QuickStartGuide_NewCardProgrammes_UK.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUK</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUK</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20PH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Philipines.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20SA/Paymentology_%20QuickStartGuide_NewCardProgrammes_South%20Africa.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/Paycentral/Paycentral-2.png</image:loc><image:caption>Paycentral2</image:caption><image:title>Paycentral2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20TH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Thailand.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20MX/Paymentology_%20QuickStartGuide_NewCardProgrammes_Mexico.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20Change%20Beneath%20the%20Change.png</image:loc><image:caption>TheChangeBeneaththeChange</image:caption><image:title>TheChangeBeneaththeChange</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UAE/Paymentology_%20QuickStartGuide_NewCardProgrammes_UAE.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KSA/Paymentology_%20QuickStartGuide_NewCardProgrammes_KSA.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Kenya.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20DE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Germany.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/inside-uae-banking-growth-digital-trends</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/topic/business-models</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/graphic.png</image:loc><image:caption>graphic</image:caption><image:title>graphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/zand-vid.webp</image:loc><image:caption>zandvid</image:caption><image:title>zandvid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/PayoCard%20Newsroom%20Graphic.png</image:loc><image:caption>PayoCardNewsroomGraphic</image:caption><image:title>PayoCardNewsroomGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Paper%20Finextra%20ME/Finextra-report_mockup.png</image:loc><image:caption>Finextrareportmockup</image:caption><image:title>Finextrareportmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fraud%20vs%20Innovation.png</image:loc><image:caption>FraudvsInnovation</image:caption><image:title>FraudvsInnovation</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/PMGTY_Howtoguide_860x585_LandingPage.png</image:loc><image:caption>PMGTYHowtoguide860x585LandingPage</image:caption><image:title>PMGTYHowtoguide860x585LandingPage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Go%20Global.png</image:loc><image:caption>GoGlobal</image:caption><image:title>GoGlobal</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Chikwama%20Pay%20Is%20Building%20a%20Borderless%20Bank%20on%20WhatsApp-1.png</image:loc><image:caption>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:caption><image:title>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Paymentology_Guide_Card%20Programme%20Management_mockup.png</image:loc><image:caption>PaymentologyGuideCardProgrammeManagementmockup</image:caption><image:title>PaymentologyGuideCardProgrammeManagementmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Word-of-Mouth%20Built%20South%20Africas%20First%20Black-Owned%20Unicorn%20Bank.png</image:loc><image:caption>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:caption><image:title>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Embedded%20Finance%20and%20Earned%20Wage%20Access_%20How%20Payroll%20Is%20Redefining%20Financial%20Welness.png</image:loc><image:caption>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:caption><image:title>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/GoTyme/GoTyme_Card_02.jpg</image:loc><image:caption>GoTymeCard02</image:caption><image:title>GoTymeCard02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Dignity%20by%20Design_%20How%20UnDosTres%20is%20Expanding%20Access%20to%20Credit%20Across%20Latin%20America.png</image:loc><image:caption>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:caption><image:title>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Ecommerce%20in%20Colombia.png</image:loc><image:caption>EcommerceinColombia</image:caption><image:title>EcommerceinColombia</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/cookie-declaration</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/videos/paycentral-making-digital-transactions-work-for-south-africans</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-lunar-new-year-spending-boom</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/the-future-of-banking-how-bank-zero-is-leading-south-africas-digital-revolution</loc><lastmod>2026-04-01</lastmod></url><url><loc>https://www.theissueracademy.com/articles/a-new-era-for-payments-paymentologys-2025-predictions</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/fraud-vs-innovation-the-thin-line-in-digital-banking</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/embedded-finance-and-earned-wage-access-how-payroll-is-redefining-financial-welness</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/videos/gotyme-a-phy-gital-banking-experience-with-instant-card-issuing-from-retail-kiosks</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-to-look-for-in-a-future-ready-issuer-processor</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/wallets-are-being-rewritten</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/industry/money-transfer</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/PMGTY_Howtoguide_860x585_LandingPage.png</image:loc><image:caption>PMGTYHowtoguide860x585LandingPage</image:caption><image:title>PMGTYHowtoguide860x585LandingPage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/M-PESA/MPESA_Card_01.webp</image:loc><image:caption>MPESACard01</image:caption><image:title>MPESACard01</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/beyond-access-can-tech-taise-a-financially-empowered-generation</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-does-card-programme-management-work</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/netherlands/thank-you</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/region/mena</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/masterclass%20dubai%202026.jpeg</image:loc><image:caption>masterclassdubai2026</image:caption><image:title>masterclassdubai2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Embedded%20Finance%20and%20Earned%20Wage%20Access_%20How%20Payroll%20Is%20Redefining%20Financial%20Welness.png</image:loc><image:caption>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:caption><image:title>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/zand-vid.webp</image:loc><image:caption>zandvid</image:caption><image:title>zandvid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KSA/Paymentology_%20QuickStartGuide_NewCardProgrammes_KSA.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Everyone%20Is%20Betting%20Big%20on%20Saudi%20Arabia%E2%80%99s%20Fintech%20Surge.png</image:loc><image:caption>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:caption><image:title>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Paper%20Finextra%20ME/Finextra-report_mockup.png</image:loc><image:caption>Finextrareportmockup</image:caption><image:title>Finextrareportmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UAE/Paymentology_%20QuickStartGuide_NewCardProgrammes_UAE.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/mamo-vid.webp</image:loc><image:caption>mamovid</image:caption><image:title>mamovid</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/how-chikwama-pay-is-building-a-borderless-bank-on-whatsapp</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/forget-cards</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/click-to-pay-how-this-digital-wallet-is-changing-online-payments</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/signup-confirmed</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/how-word-of-mouth-built-south-africas-first-black-owned-unicorn-bank</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-to-acquire-financial-services-knowledge-as-a-telco</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.png</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/transforming-the-payouts-process-in-africa</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/topic/inspiration</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/M-PESA/MPESA_Card_01.webp</image:loc><image:caption>MPESACard01</image:caption><image:title>MPESACard01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/pillar/what%20is%20card%20programme%20management_hero.png</image:loc><image:caption>whatiscardprogrammemanagementhero</image:caption><image:title>whatiscardprogrammemanagementhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Word-of-Mouth%20Built%20South%20Africas%20First%20Black-Owned%20Unicorn%20Bank.png</image:loc><image:caption>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:caption><image:title>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Paymentology/client%20stories/Mox.jpg</image:loc><image:caption>Mox</image:caption><image:title>Mox</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-01.webp</image:loc><image:caption>2025predictions01</image:caption><image:title>2025predictions01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20Change%20Beneath%20the%20Change.png</image:loc><image:caption>TheChangeBeneaththeChange</image:caption><image:title>TheChangeBeneaththeChange</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/mamo-vid.webp</image:loc><image:caption>mamovid</image:caption><image:title>mamovid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/masterclass%20dubai%202026.jpeg</image:loc><image:caption>masterclassdubai2026</image:caption><image:title>masterclassdubai2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/card-payment-fraud-trends-in-the-uk-what-banks-need-to-know</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><lastmod>2026-03-05</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-legacy-tech-cant-keep-up-with-modern-day-needs</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/philippines/thank-you</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-are-the-different-roles-and-duties-within-a-card-programme</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><lastmod>2026-03-05</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-state-of-sme-payments-the-payment-service-challenges-faced-by-smes</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/industry/other</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Paymentology_Guide_Card%20Programme%20Management_mockup.png</image:loc><image:caption>PaymentologyGuideCardProgrammeManagementmockup</image:caption><image:title>PaymentologyGuideCardProgrammeManagementmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/mamo-vid.webp</image:loc><image:caption>mamovid</image:caption><image:title>mamovid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/industry/fintech</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20TH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Thailand.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20MX/Paymentology_%20QuickStartGuide_NewCardProgrammes_Mexico.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KSA/Paymentology_%20QuickStartGuide_NewCardProgrammes_KSA.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Chikwama%20Pay%20Is%20Building%20a%20Borderless%20Bank%20on%20WhatsApp-1.png</image:loc><image:caption>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:caption><image:title>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/PayoCard%20Newsroom%20Graphic.png</image:loc><image:caption>PayoCardNewsroomGraphic</image:caption><image:title>PayoCardNewsroomGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Ecommerce%20in%20Colombia.png</image:loc><image:caption>EcommerceinColombia</image:caption><image:title>EcommerceinColombia</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20PH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Philipines.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Kenya.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Paper%20Finextra%20ME/Finextra-report_mockup.png</image:loc><image:caption>Finextrareportmockup</image:caption><image:title>Finextrareportmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Dignity%20by%20Design_%20How%20UnDosTres%20is%20Expanding%20Access%20to%20Credit%20Across%20Latin%20America.png</image:loc><image:caption>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:caption><image:title>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Everyone%20Is%20Betting%20Big%20on%20Saudi%20Arabia%E2%80%99s%20Fintech%20Surge.png</image:loc><image:caption>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:caption><image:title>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Go%20Global.png</image:loc><image:caption>GoGlobal</image:caption><image:title>GoGlobal</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-01.webp</image:loc><image:caption>2025predictions01</image:caption><image:title>2025predictions01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Embedded%20Finance%20and%20Earned%20Wage%20Access_%20How%20Payroll%20Is%20Redefining%20Financial%20Welness.png</image:loc><image:caption>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:caption><image:title>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20DE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Germany.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/Paycentral/Paycentral-2.png</image:loc><image:caption>Paycentral2</image:caption><image:title>Paycentral2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/GoTyme/GoTyme_Card_02.jpg</image:loc><image:caption>GoTymeCard02</image:caption><image:title>GoTymeCard02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UAE/Paymentology_%20QuickStartGuide_NewCardProgrammes_UAE.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fraud%20vs%20Innovation.png</image:loc><image:caption>FraudvsInnovation</image:caption><image:title>FraudvsInnovation</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UK/Paymentology_%20QuickStartGuide_NewCardProgrammes_UK.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUK</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUK</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20SA/Paymentology_%20QuickStartGuide_NewCardProgrammes_South%20Africa.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/philippines</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/clock.svg</image:loc><image:caption>clock</image:caption><image:title>clock</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/TIA-logo.svg</image:loc><image:caption>TIAlogo</image:caption><image:title>TIAlogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/check.svg</image:loc><image:caption>check</image:caption><image:title>check</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/location%201.svg</image:loc><image:caption>location1</image:caption><image:title>location1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/pmty-logo-02.svg</image:loc><image:caption>pmtylogo02</image:caption><image:title>pmtylogo02</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/UK-EU.webp</image:loc><image:caption>UKEU</image:caption><image:title>UKEU</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/ME.webp</image:loc><image:caption>ME</image:caption><image:title>ME</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-get_started.webp</image:loc><image:caption>TIAlandinggetstarted</image:caption><image:title>TIAlandinggetstarted</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet_cropped.png</image:loc><image:caption>FincogBookletcropped</image:caption><image:title>FincogBookletcropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/M-PESA/MPESA_Card_01.webp</image:loc><image:caption>MPESACard01</image:caption><image:title>MPESACard01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/APAC.webp</image:loc><image:caption>APAC</image:caption><image:title>APAC</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/LATAM.webp</image:loc><image:caption>LATAM</image:caption><image:title>LATAM</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/mox/Mox-01.webp</image:loc><image:caption>Mox01</image:caption><image:title>Mox01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/AFR.webp</image:loc><image:caption>AFR</image:caption><image:title>AFR</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Spark%20Matrix%2023/Spark%20Matric%20Card%20Management%20System%20Diagram.jpg</image:loc><image:caption>SparkMatricCardManagementSystemDiagram</image:caption><image:title>SparkMatricCardManagementSystemDiagram</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/card-payments-and-fraud-prevention-in-the-netherlands-opportunities-and-threats</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/who-needs-a-card-programme-manager</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><lastmod>2026-03-05</lastmod></url><url><loc>https://www.theissueracademy.com/articles/traditional-vs-new-age-remittances</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-mobile-wallets-are-so-popular</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/region/americas</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Dignity%20by%20Design_%20How%20UnDosTres%20is%20Expanding%20Access%20to%20Credit%20Across%20Latin%20America.png</image:loc><image:caption>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:caption><image:title>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20MX/Paymentology_%20QuickStartGuide_NewCardProgrammes_Mexico.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Ecommerce%20in%20Colombia.png</image:loc><image:caption>EcommerceinColombia</image:caption><image:title>EcommerceinColombia</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/outgrowing-legacy-why-its-time-to-rethink-your-issuer-processor</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/go-global-think-local-why-winning-in-payments-is-a-regional-game</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/changing-processors-in-apac-why-a-scalable-platform-is-essential-for-a-seamless-cross-border-experience</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><lastmod>2026-03-05</lastmod></url><url><loc>https://www.theissueracademy.com/videos/mamo-payments</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-state-of-sme-payments-smes-must-have-access-to-better-payment-solutions</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/germany</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/leda%201.png</image:loc><image:caption>leda1</image:caption><image:title>leda1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/clock.svg</image:loc><image:caption>clock</image:caption><image:title>clock</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/check.svg</image:loc><image:caption>check</image:caption><image:title>check</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/TIA-logo.svg</image:loc><image:caption>TIAlogo</image:caption><image:title>TIAlogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/Paymentology%20-%20Julie%20Sutton%20-%20Head%20of%20Growth%2c%20Europe.png</image:loc><image:caption>PaymentologyJulieSuttonHeadofGrowthEurope</image:caption><image:title>PaymentologyJulieSuttonHeadofGrowthEurope</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/pmty-logo-02.svg</image:loc><image:caption>pmtylogo02</image:caption><image:title>pmtylogo02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Matthias%202.jpg</image:loc><image:caption>Matthias2</image:caption><image:title>Matthias2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/Nacho.png</image:loc><image:caption>Nacho</image:caption><image:title>Nacho</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/Alexander%20Brown.png</image:loc><image:caption>AlexanderBrown</image:caption><image:title>AlexanderBrown</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/orig/Anna%20Perra.png</image:loc><image:caption>AnnaPerra</image:caption><image:title>AnnaPerra</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/location%201.svg</image:loc><image:caption>location1</image:caption><image:title>location1</image:title></image:image><lastmod>2026-04-03</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-role-of-convenience-in-a-digital-first-world</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-smart-cards-are-changing-business-spending</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/innovation-inclusion-and-impact-the-future-of-mena-finance</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/videos/m-pesa-bridging-local-and-global-commerce</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/region/apac</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20TH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Thailand.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/GoTyme/GoTyme_Card_02.jpg</image:loc><image:caption>GoTymeCard02</image:caption><image:title>GoTymeCard02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Paymentology/client%20stories/Mox.jpg</image:loc><image:caption>Mox</image:caption><image:title>Mox</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20PH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Philipines.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-is-card-programme-management</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/thailand/thank-you</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/who-should-consider-cards-as-a-service</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/industry/crypto</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-cards-as-a-service-works</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-are-the-different-types-of-mobile-wallet</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/from-cash-to-cards-transforming-payroll-in-south-africa</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/region/global</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/EmbeddedFinaceCover-Mock-Up%20(1).webp</image:loc><image:caption>EmbeddedFinaceCoverMockUp1</image:caption><image:title>EmbeddedFinaceCoverMockUp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-01.webp</image:loc><image:caption>2025predictions01</image:caption><image:title>2025predictions01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Go%20Global.png</image:loc><image:caption>GoGlobal</image:caption><image:title>GoGlobal</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/graphic.png</image:loc><image:caption>graphic</image:caption><image:title>graphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/pillar/what%20is%20card%20programme%20management_hero.png</image:loc><image:caption>whatiscardprogrammemanagementhero</image:caption><image:title>whatiscardprogrammemanagementhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/PMGTY_Howtoguide_860x585_LandingPage.png</image:loc><image:caption>PMGTYHowtoguide860x585LandingPage</image:caption><image:title>PMGTYHowtoguide860x585LandingPage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fraud%20vs%20Innovation.png</image:loc><image:caption>FraudvsInnovation</image:caption><image:title>FraudvsInnovation</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/scaling-card-issuing-in-south-africa</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><lastmod>2026-03-06</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-hidden-costs-of-choosing-the-wrong-issuer-processor</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/what-can-mexican-issuers-do-to-fight-ecommerce-fraud</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><lastmod>2025-10-10</lastmod></url><url><loc>https://www.theissueracademy.com/videos/mox-banking-in-just-a-few-clicks</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/building-mox-scaling-a-next-gen-bank-for-hong-kong</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/mox/Mox-01.webp</image:loc><image:caption>Mox01</image:caption><image:title>Mox01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/issuing-processing-image.jpg</image:loc><image:caption>issuingprocessingimage</image:caption><image:title>issuingprocessingimage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/PayoCard%20Newsroom%20Graphic.png</image:loc><image:caption>PayoCardNewsroomGraphic</image:caption><image:title>PayoCardNewsroomGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-video-hero.webp</image:loc><image:caption>TIAvideohero</image:caption><image:title>TIAvideohero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Ecommerce%20in%20Colombia.png</image:loc><image:caption>EcommerceinColombia</image:caption><image:title>EcommerceinColombia</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/masterclass%20dubai%202026.jpeg</image:loc><image:caption>masterclassdubai2026</image:caption><image:title>masterclassdubai2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/downloadable-reports-image.png</image:loc><image:caption>downloadablereportsimage</image:caption><image:title>downloadablereportsimage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><lastmod>2025-09-15</lastmod></url><url><loc>https://www.theissueracademy.com/articles/when-interchange-is-capped-infrastructure-matters-more</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/thailand</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/TIA-logo.svg</image:loc><image:caption>TIAlogo</image:caption><image:title>TIAlogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/clock.svg</image:loc><image:caption>clock</image:caption><image:title>clock</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/Minh%20Ha%20Truong.png</image:loc><image:caption>MinhHaTruong</image:caption><image:title>MinhHaTruong</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Erik.jpeg</image:loc><image:caption>Erik</image:caption><image:title>Erik</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/Jeff%20Parker.png</image:loc><image:caption>JeffParker</image:caption><image:title>JeffParker</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/mike-1.png</image:loc><image:caption>mike1</image:caption><image:title>mike1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/orig/Anna%20Perra.png</image:loc><image:caption>AnnaPerra</image:caption><image:title>AnnaPerra</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/pmty-logo-02.svg</image:loc><image:caption>pmtylogo02</image:caption><image:title>pmtylogo02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/Merusha%20Naidu.png</image:loc><image:caption>MerushaNaidu</image:caption><image:title>MerushaNaidu</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/location%201.svg</image:loc><image:caption>location1</image:caption><image:title>location1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/check.svg</image:loc><image:caption>check</image:caption><image:title>check</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/industry/banking</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fraud%20vs%20Innovation.png</image:loc><image:caption>FraudvsInnovation</image:caption><image:title>FraudvsInnovation</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/zand-vid.webp</image:loc><image:caption>zandvid</image:caption><image:title>zandvid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Word-of-Mouth%20Built%20South%20Africas%20First%20Black-Owned%20Unicorn%20Bank.png</image:loc><image:caption>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:caption><image:title>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Paymentology/client%20stories/Mox.jpg</image:loc><image:caption>Mox</image:caption><image:title>Mox</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Fincog%20Booklet.png</image:loc><image:caption>FincogBooklet</image:caption><image:title>FincogBooklet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/When%20Interchange%20is%20Capped%2c%20Infrastructure%20Matters%20More.png</image:loc><image:caption>WhenInterchangeisCappedInfrastructureMattersMore</image:caption><image:title>WhenInterchangeisCappedInfrastructureMattersMore</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20Change%20Beneath%20the%20Change.png</image:loc><image:caption>TheChangeBeneaththeChange</image:caption><image:title>TheChangeBeneaththeChange</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.14.44.png</image:loc><image:caption>Screenshot20250609at151444</image:caption><image:title>Screenshot20250609at151444</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/pillar/what%20is%20card%20programme%20management_hero.png</image:loc><image:caption>whatiscardprogrammemanagementhero</image:caption><image:title>whatiscardprogrammemanagementhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/CardPaymentfraudUK_BlogPost1_BlogImage_1280x720%20(1).png</image:loc><image:caption>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:caption><image:title>CardPaymentfraudUKBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20DB%20APAC/DB%20APAC_mockup.png</image:loc><image:caption>DBAPACmockup</image:caption><image:title>DBAPACmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/remittance-reimagined-how-fintechs-are-changing-the-game</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/videos</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-01.webp</image:loc><image:caption>2025predictions01</image:caption><image:title>2025predictions01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/GoTyme-TIA.webp</image:loc><image:caption>GoTymeTIA</image:caption><image:title>GoTymeTIA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/mamo-vid.webp</image:loc><image:caption>mamovid</image:caption><image:title>mamovid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Paymentology/client%20stories/Mox.jpg</image:loc><image:caption>Mox</image:caption><image:title>Mox</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/zand-vid.webp</image:loc><image:caption>zandvid</image:caption><image:title>zandvid</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/Paycentral/Paycentral-2.png</image:loc><image:caption>Paycentral2</image:caption><image:title>Paycentral2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/M-PESA/MPESA_Card_01.webp</image:loc><image:caption>MPESACard01</image:caption><image:title>MPESACard01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/GoTyme/GoTyme_Card_02.jpg</image:loc><image:caption>GoTymeCard02</image:caption><image:title>GoTymeCard02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-video-hero.webp</image:loc><image:caption>TIAvideohero</image:caption><image:title>TIAvideohero</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Go%20Global.png</image:loc><image:caption>GoGlobal</image:caption><image:title>GoGlobal</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fraud%20vs%20Innovation.png</image:loc><image:caption>FraudvsInnovation</image:caption><image:title>FraudvsInnovation</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Word-of-Mouth%20Built%20South%20Africas%20First%20Black-Owned%20Unicorn%20Bank.png</image:loc><image:caption>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:caption><image:title>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Smarter%20Cards%2c%20Simpler%20Stacks.png</image:loc><image:caption>SmarterCardsSimplerStacks</image:caption><image:title>SmarterCardsSimplerStacks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20Change%20Beneath%20the%20Change.png</image:loc><image:caption>TheChangeBeneaththeChange</image:caption><image:title>TheChangeBeneaththeChange</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/Issuer-Academy-podcast-hero.webp</image:loc><image:caption>IssuerAcademypodcasthero</image:caption><image:title>IssuerAcademypodcasthero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Dignity%20by%20Design_%20How%20UnDosTres%20is%20Expanding%20Access%20to%20Credit%20Across%20Latin%20America.png</image:loc><image:caption>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:caption><image:title>DignitybyDesignHowUnDosTresisExpandingAccesstoCreditAcrossLatinAmerica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Wallets%20Are%20Being%20Rewritten.png</image:loc><image:caption>WalletsAreBeingRewritten</image:caption><image:title>WalletsAreBeingRewritten</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Fintech%20Built%20for%20Saudi%2c%20Connected%20to%20the%20World_.png</image:loc><image:caption>FintechBuiltforSaudiConnectedtotheWorld</image:caption><image:title>FintechBuiltforSaudiConnectedtotheWorld</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Forget%20Cards.png</image:loc><image:caption>ForgetCards</image:caption><image:title>ForgetCards</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Credit%20Is%20the%20Next%20Big%20Battleground%20for%20Digital%20Banks.png</image:loc><image:caption>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:caption><image:title>WhyCreditIstheNextBigBattlegroundforDigitalBanks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Can%20AI%20ever%20really%20grasp%20the%20human%20side%20of%20money_.png</image:loc><image:caption>CanAIeverreallygraspthehumansideofmoney</image:caption><image:title>CanAIeverreallygraspthehumansideofmoney</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Stablecoins%20Are%20Powering%20Everyday%20Payments.png</image:loc><image:caption>HowStablecoinsArePoweringEverydayPayments</image:caption><image:title>HowStablecoinsArePoweringEverydayPayments</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Innovation%2c%20Inclusion%2c%20and%20Impact-%20The%20Future%20of%20MENA%20Finance.png</image:loc><image:caption>InnovationInclusionandImpactTheFutureofMENAFinance</image:caption><image:title>InnovationInclusionandImpactTheFutureofMENAFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Chikwama%20Pay%20Is%20Building%20a%20Borderless%20Bank%20on%20WhatsApp-1.png</image:loc><image:caption>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:caption><image:title>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Embedded%20Finance%20and%20Earned%20Wage%20Access_%20How%20Payroll%20Is%20Redefining%20Financial%20Welness.png</image:loc><image:caption>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:caption><image:title>EmbeddedFinanceandEarnedWageAccessHowPayrollIsRedefiningFinancialWelness</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Everyone%20Is%20Betting%20Big%20on%20Saudi%20Arabia%E2%80%99s%20Fintech%20Surge.png</image:loc><image:caption>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:caption><image:title>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/telcos-in-finance-the-key-to-success</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog4-1.png</image:loc><image:caption>Paymentologyblog41</image:caption><image:title>Paymentologyblog41</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/industry/telecom</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/pillar/what%20is%20card%20programme%20management_hero.png</image:loc><image:caption>whatiscardprogrammemanagementhero</image:caption><image:title>whatiscardprogrammemanagementhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/graphic.png</image:loc><image:caption>graphic</image:caption><image:title>graphic</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-to-launch-a-mobile-wallet</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog3_How%20to%20launch%20a%20mobile%20wallet.png</image:loc><image:caption>Blog3Howtolaunchamobilewallet</image:caption><image:title>Blog3Howtolaunchamobilewallet</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/masterclass-dubai-excelling-with-a-unique-payment-proposition</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/masterclass%20dubai%202026.jpeg</image:loc><image:caption>masterclassdubai2026</image:caption><image:title>masterclassdubai2026</image:title></image:image><lastmod>2026-03-06</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-future-of-remittances-in-latin-america</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.31.39.png</image:loc><image:caption>Screenshot20250609at153139</image:caption><image:title>Screenshot20250609at153139</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/netherlands</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/Jeff%20Parker.png</image:loc><image:caption>JeffParker</image:caption><image:title>JeffParker</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/Merusha%20Naidu.png</image:loc><image:caption>MerushaNaidu</image:caption><image:title>MerushaNaidu</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/location%201.svg</image:loc><image:caption>location1</image:caption><image:title>location1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/stefancolins%20profile.jpeg</image:loc><image:caption>stefancolinsprofile</image:caption><image:title>stefancolinsprofile</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Matthias%202.jpg</image:loc><image:caption>Matthias2</image:caption><image:title>Matthias2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/clock.svg</image:loc><image:caption>clock</image:caption><image:title>clock</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/orig/Anna%20Perra.png</image:loc><image:caption>AnnaPerra</image:caption><image:title>AnnaPerra</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/pmty-logo-02.svg</image:loc><image:caption>pmtylogo02</image:caption><image:title>pmtylogo02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/TIA-logo.svg</image:loc><image:caption>TIAlogo</image:caption><image:title>TIAlogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/about/team/Paymentology%20-%20Julie%20Sutton%20-%20Head%20of%20Growth%2c%20Europe.png</image:loc><image:caption>PaymentologyJulieSuttonHeadofGrowthEurope</image:caption><image:title>PaymentologyJulieSuttonHeadofGrowthEurope</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/events/MasterclassDubai26/check.svg</image:loc><image:caption>check</image:caption><image:title>check</image:title></image:image><lastmod>2026-03-27</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/the-change-beneath-the-change</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/privacy-policy</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/beyond-the-sales-what-black-friday-cyber-monday-reveal-about-the-modern-payments-ecosystem</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.28.50.png</image:loc><image:caption>Screenshot20250313at182850</image:caption><image:title>Screenshot20250313at182850</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-rise-of-crypto-cards-in-apac-turning-digital-assets-into-everyday-payments</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Changing%20processors%20in%20APAC-%20Why%20a%20scalable%20platform%20is%20essential%20for%20a%20seamless%20cross-border%20experience.webp</image:loc><image:caption>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:caption><image:title>ChangingprocessorsinAPACWhyascalableplatformisessentialforaseamlesscrossborderexperience</image:title></image:image><lastmod>2026-02-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/digital-gift-cards-fraudsters-worst-nightmare</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-02-09</lastmod></url><url><loc>https://www.theissueracademy.com/videos/2025-predictions-ecosystem</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/technology-as-a-driver-for-customer-engagement-in-the-remittance-market</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost1_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost1BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost1BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost3_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost3BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost3BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Remittance/Remittance%20Report_BlogPost2_BlogImage_1280x720.png</image:loc><image:caption>RemittanceReportBlogPost2BlogImage1280x720</image:caption><image:title>RemittanceReportBlogPost2BlogImage1280x720</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-issuers-roadmap-to-successful-card-issuance</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-02-06%20at%2009.02.05.png</image:loc><image:caption>Screenshot20250206at090205</image:caption><image:title>Screenshot20250206at090205</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/signup</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/scaling-securely-starts-with-the-right-issuer-processor</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog2_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog2NextGenIssuingPlatform</image:caption><image:title>blog2NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/articles/fraud-in-a-mobile-money-powerhouse-kenyas-next-phase-of-digital-security</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog4_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog4NextGenIssuingPlatform</image:caption><image:title>blog4NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog1_Why-mobile-wallets-are-so-popular.png</image:loc><image:caption>Blog1Whymobilewalletsaresopopular</image:caption><image:title>Blog1Whymobilewalletsaresopopular</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/nauman-hassan-shares-his-experience-in-how-banks-can-improve-consumer-satisfaction-with-adaptive-learning</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/bin-sponsorship-philippines-apac</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Fraud%20prevention%20in%20Netherlands.png</image:loc><image:caption>FraudpreventioninNetherlands</image:caption><image:title>FraudpreventioninNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><lastmod>2026-03-05</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-baas-is-transforming-saudi-arabias-financial-future</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/JimHartInterview_BlogPost1_BlogImage_1280x720-1.jpg</image:loc><image:caption>JimHartInterviewBlogPost1BlogImage1280x7201</image:caption><image:title>JimHartInterviewBlogPost1BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-02-13</lastmod></url><url><loc>https://www.theissueracademy.com/articles/singles-day-apacs-ecommerce-boom</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/SinglesDay2024_LinkedIn_post_final%20copy.png</image:loc><image:caption>SinglesDay2024LinkedInpostfinalcopy</image:caption><image:title>SinglesDay2024LinkedInpostfinalcopy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2016.15.15.png</image:loc><image:caption>Screenshot20250609at161515</image:caption><image:title>Screenshot20250609at161515</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/The%20Rise%20of%20Crypto%20Cards%20in%20APAC%20Jan%202026_BlogPost1_Blogimage_1280x720-1.jpg</image:loc><image:caption>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:caption><image:title>TheRiseofCryptoCardsinAPACJan2026BlogPost1Blogimage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/videos/zand-digital-assets</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-legacy-tech-wont-power-saudi-arabias-future</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20legacy%20tech%20can%E2%80%99t%20keep%20up%20with%20modern-day%20needs.png</image:loc><image:caption>Whylegacytechcantkeepupwithmoderndayneeds</image:caption><image:title>Whylegacytechcantkeepupwithmoderndayneeds</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog1_Next-Gen-Issuing-Platform.jpg</image:loc><image:caption>blog1NextGenIssuingPlatform</image:caption><image:title>blog1NextGenIssuingPlatform</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/industry/travel</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/CaaS_mock_up.webp</image:loc><image:caption>CaaSmockup</image:caption><image:title>CaaSmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/reports/Card%20Journeys%20we%20love.jpeg</image:loc><image:caption>CardJourneyswelove</image:caption><image:title>CardJourneyswelove</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/ebook%7CCard%20Programme%20Blueprint.png</image:loc><image:caption>ebookCardProgrammeBlueprint</image:caption><image:title>ebookCardProgrammeBlueprint</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-02.webp</image:loc><image:caption>2025predictions02</image:caption><image:title>2025predictions02</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog2_The-different-types-of-wallets.png</image:loc><image:caption>Blog2Thedifferenttypesofwallets</image:caption><image:title>Blog2Thedifferenttypesofwallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/2025-predictions-01.webp</image:loc><image:caption>2025predictions01</image:caption><image:title>2025predictions01</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/masterclass/germany/thank-you</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Paymentology-blog-AI-fraud.jpg</image:loc><image:caption>PaymentologyblogAIfraud</image:caption><image:title>PaymentologyblogAIfraud</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-18</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-control-is-the-future-of-payments</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/mox/Mox-01.webp</image:loc><image:caption>Mox01</image:caption><image:title>Mox01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/the-rise-of-the-companion-card-empowering-africas-mobile-first-economy</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-state-of-sme-payments-giving-smes-the-tools-to-grow-case-studies</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost2_BlogImage_1280x720-2.png</image:loc><image:caption>SMEReportBlogPost2BlogImage1280x7202</image:caption><image:title>SMEReportBlogPost2BlogImage1280x7202</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report_BlogPost3_BlogImage_1280x720%20(1).png</image:loc><image:caption>SMEReportBlogPost3BlogImage1280x7201</image:caption><image:title>SMEReportBlogPost3BlogImage1280x7201</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/financial-services-a-world-of-opportunity-for-telcos</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology-blog%201-1.png</image:loc><image:caption>Paymentologyblog11</image:caption><image:title>Paymentologyblog11</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Why%20Legacy%20Tech%20Won%E2%80%99t%20Power%20Saudi%20Arabia%E2%80%99s%20Future.webp</image:loc><image:caption>WhyLegacyTechWontPowerSaudiArabiasFuture</image:caption><image:title>WhyLegacyTechWontPowerSaudiArabiasFuture</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/5-ways-south-african-shopping-malls-can-benefit-from-gift-card-programmes</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/dignity-by-design-how-undostres-is-expanding-access-to-credit-across-latin-america</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/smarter-cards-simpler-stacks</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/fintech-built-for-saudi-connected-to-the-world</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/region/ssa</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20Change%20Beneath%20the%20Change.png</image:loc><image:caption>TheChangeBeneaththeChange</image:caption><image:title>TheChangeBeneaththeChange</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20SA/Paymentology_%20QuickStartGuide_NewCardProgrammes_South%20Africa.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog2_What-are-the-different-roles-and-duties-within-a-card-programme.jpg</image:loc><image:caption>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:caption><image:title>Blog2Whatarethedifferentrolesanddutieswithinacardprogramme</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog1_What-is-card-programme-management.jpg</image:loc><image:caption>Blog1Whatiscardprogrammemanagement</image:caption><image:title>Blog1Whatiscardprogrammemanagement</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Kenya.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.54.37.png</image:loc><image:caption>Screenshot20250609at155437</image:caption><image:title>Screenshot20250609at155437</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog4_How-Does-Card-Programme-management-work.jpg</image:loc><image:caption>Blog4HowDoesCardProgrammemanagementwork</image:caption><image:title>Blog4HowDoesCardProgrammemanagementwork</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Beyond%20Access-%20Can%20Tech%20Raise%20a%20Financially%20Empowered%20Generation.png</image:loc><image:caption>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:caption><image:title>BeyondAccessCanTechRaiseaFinanciallyEmpoweredGeneration</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/The%20rise_.png</image:loc><image:caption>Therise</image:caption><image:title>Therise</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Blog3_Who%20needs%20a%20card%20programme%20manager.png</image:loc><image:caption>Blog3Whoneedsacardprogrammemanager</image:caption><image:title>Blog3Whoneedsacardprogrammemanager</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Scaling%20Card%20Issuing%20in%20South%20Africa%20-%20Insights%20from%20The%20Issuer%20Academy.jpg</image:loc><image:caption>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:caption><image:title>ScalingCardIssuinginSouthAfricaInsightsfromTheIssuerAcademy</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Blog_Gift%20Card%20programmes.png</image:loc><image:caption>BlogGiftCardprogrammes</image:caption><image:title>BlogGiftCardprogrammes</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20CPM/Paymentology_Guide_Card%20Programme%20Management_mockup.png</image:loc><image:caption>PaymentologyGuideCardProgrammeManagementmockup</image:caption><image:title>PaymentologyGuideCardProgrammeManagementmockup</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Word-of-Mouth%20Built%20South%20Africas%20First%20Black-Owned%20Unicorn%20Bank.png</image:loc><image:caption>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:caption><image:title>HowWordofMouthBuiltSouthAfricasFirstBlackOwnedUnicornBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3-1.jpg</image:loc><image:caption>Paymentologyblog31</image:caption><image:title>Paymentologyblog31</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/Paycentral/Paycentral-2.png</image:loc><image:caption>Paycentral2</image:caption><image:title>Paycentral2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Africa%20Blog.png</image:loc><image:caption>AfricaBlog</image:caption><image:title>AfricaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/How%20Chikwama%20Pay%20Is%20Building%20a%20Borderless%20Bank%20on%20WhatsApp-1.png</image:loc><image:caption>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:caption><image:title>HowChikwamaPayIsBuildingaBorderlessBankonWhatsApp1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/M-PESA/MPESA_Card_01.webp</image:loc><image:caption>MPESACard01</image:caption><image:title>MPESACard01</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Fraud%20in%20a%20Mobile-Money%20Powerhouse%20March%202026.jpg</image:loc><image:caption>FraudinaMobileMoneyPowerhouseMarch2026</image:caption><image:title>FraudinaMobileMoneyPowerhouseMarch2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/PayoCard%20Newsroom%20Graphic.png</image:loc><image:caption>PayoCardNewsroomGraphic</image:caption><image:title>PayoCardNewsroomGraphic</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/2025-rewind-lessons-leaders-the-road-to-2026</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/why-everyone-is-betting-big-on-saudi-arabias-fintech-surge</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-role-of-strategic-partnerships-in-cards-as-a-service</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog6%20_The%20role%20of%20strategic%20partnership%20.jpg</image:loc><image:caption>blog6Theroleofstrategicpartnership</image:caption><image:title>blog6Theroleofstrategicpartnership</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><lastmod>2025-08-26</lastmod></url><url><loc>https://www.theissueracademy.com/articles/protecting-uae-smes-combating-fraud-in-expense-management-systems</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/UAE-SMEs-Linkedin-Newsletter.jpg</image:loc><image:caption>UAESMEsLinkedinNewsletter</image:caption><image:title>UAESMEsLinkedinNewsletter</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Secure-payroll-in-South-Africa_LinkedIn_Newsletter-1920x1080_blog.jpg</image:loc><image:caption>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:caption><image:title>SecurepayrollinSouthAfricaLinkedInNewsletter1920x1080blog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How-Smart-Cards-are-Changing-Business-Spending_blog.jpg</image:loc><image:caption>HowSmartCardsareChangingBusinessSpendingblog</image:caption><image:title>HowSmartCardsareChangingBusinessSpendingblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/Blog1_SMEs%20must%20have%20access%20to%20better%20payment%20solutions.jpg</image:loc><image:caption>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:caption><image:title>Blog1SMEsmusthaveaccesstobetterpaymentsolutions</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-benefits-of-cards-as-a-service</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog5_Who%20should%20consider%20Cards-as-a-Service.webp</image:loc><image:caption>blog5WhoshouldconsiderCardsasaService</image:caption><image:title>blog5WhoshouldconsiderCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog4_Benefits%20of%20Cards-as-a-Service.jpg</image:loc><image:caption>blog4BenefitsofCardsasaService</image:caption><image:title>blog4BenefitsofCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog2_What%20is%20Cards-as-a-Service.webp</image:loc><image:caption>blog2WhatisCardsasaService</image:caption><image:title>blog2WhatisCardsasaService</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Card%20as%20a%20Service/blog3_How%20Cards-as-a-Service%20works.webp</image:loc><image:caption>blog3HowCardsasaServiceworks</image:caption><image:title>blog3HowCardsasaServiceworks</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/client%20stories/mukuru%20(PM)/image3.png</image:loc><image:caption>image3</image:caption><image:title>image3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><lastmod>2026-03-09</lastmod></url><url><loc>https://www.theissueracademy.com/masterclasses</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/The%20Issuer%20Academy%20Masterclass%20Germany.png</image:loc><image:caption>TheIssuerAcademyMasterclassGermany</image:caption><image:title>TheIssuerAcademyMasterclassGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/The%20Issuer%20Academy%20Masterclass%20Philipines.png</image:loc><image:caption>TheIssuerAcademyMasterclassPhilipines</image:caption><image:title>TheIssuerAcademyMasterclassPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/The%20Issuer%20Academy%20Masterclass%20Netherlands.png</image:loc><image:caption>TheIssuerAcademyMasterclassNetherlands</image:caption><image:title>TheIssuerAcademyMasterclassNetherlands</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/AFR.webp</image:loc><image:caption>AFR</image:caption><image:title>AFR</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/ME.webp</image:loc><image:caption>ME</image:caption><image:title>ME</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/masterclass/The%20Issuer%20Academy%20Masterclass%20Thailand.png</image:loc><image:caption>TheIssuerAcademyMasterclassThailand</image:caption><image:title>TheIssuerAcademyMasterclassThailand</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/videos/2025-predictions-profitability</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/profit-meets-purpose-the-new-era-of-inclusive-finance</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/can-ai-everreally-grasp-the-human-side</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/how-bin-sponsors-drive-speed-to-market-for-colombian-issuers</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BIn%20Sponsorship%20APac_WebsiteBlogIMage.png</image:loc><image:caption>BInSponsorshipAPacWebsiteBlogIMage</image:caption><image:title>BInSponsorshipAPacWebsiteBlogIMage</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/inside-snappi-greeces-first-digital-only-bank</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/why-credit-is-the-next-big-battleground-for-digital-banks</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/topic/getting-started</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20MX/Paymentology_%20QuickStartGuide_NewCardProgrammes_Mexico.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesMexico</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Kenya.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKenya</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20PH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Philipines.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesPhilipines</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Go%20Global.png</image:loc><image:caption>GoGlobal</image:caption><image:title>GoGlobal</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/PMGTY_Howtoguide_860x585_LandingPage.png</image:loc><image:caption>PMGTYHowtoguide860x585LandingPage</image:caption><image:title>PMGTYHowtoguide860x585LandingPage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Confidence%20%20Is%20the%20Foundation%20of%20Every%20Payment_Blog.webp</image:loc><image:caption>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:caption><image:title>WhyConfidenceIstheFoundationofEveryPaymentBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UK/Paymentology_%20QuickStartGuide_NewCardProgrammes_UK.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUK</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUK</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/2025%20Rewind-%20Lessons%2c%20Leaders%20&amp;%20the%20Road%20to%202026_.png</image:loc><image:caption>2025RewindLessonsLeaderstheRoadto2026</image:caption><image:title>2025RewindLessonsLeaderstheRoadto2026</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Why%20Everyone%20Is%20Betting%20Big%20on%20Saudi%20Arabia%E2%80%99s%20Fintech%20Surge.png</image:loc><image:caption>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:caption><image:title>WhyEveryoneIsBettingBigonSaudiArabiasFintechSurge</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/The%20Role%20of%20Convenience%20in%20a%20Digital-First%20World_blog.webp</image:loc><image:caption>TheRoleofConvenienceinaDigitalFirstWorldblog</image:caption><image:title>TheRoleofConvenienceinaDigitalFirstWorldblog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/Selecting%20a%20Next-Generation%20Issuing%20Platform_hero.png</image:loc><image:caption>SelectingaNextGenerationIssuingPlatformhero</image:caption><image:title>SelectingaNextGenerationIssuingPlatformhero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20KSA/Paymentology_%20QuickStartGuide_NewCardProgrammes_KSA.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesKSA</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20DE/Paymentology_%20QuickStartGuide_NewCardProgrammes_Germany.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesGermany</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/graphic.png</image:loc><image:caption>graphic</image:caption><image:title>graphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Screenshot%202025-06-09%20at%2015.39.00.png</image:loc><image:caption>Screenshot20250609at153900</image:caption><image:title>Screenshot20250609at153900</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20UAE/Paymentology_%20QuickStartGuide_NewCardProgrammes_UAE.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesUAE</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Screenshot%202025-03-13%20at%2018.41.05.png</image:loc><image:caption>Screenshot20250313at184105</image:caption><image:title>Screenshot20250313at184105</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Inside%20UAE%20Banking%20Growth%20&amp;%20Digital%20Trends_WebsiteBlogIMage.png</image:loc><image:caption>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:caption><image:title>InsideUAEBankingGrowthDigitalTrendsWebsiteBlogIMage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog3.jpg</image:loc><image:caption>Paymentologyblog3</image:caption><image:title>Paymentologyblog3</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20SME%20Payments/SME%20Report%20Graphic.png</image:loc><image:caption>SMEReportGraphic</image:caption><image:title>SMEReportGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/TIA-landing-hero.webp</image:loc><image:caption>TIAlandinghero</image:caption><image:title>TIAlandinghero</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20SA/Paymentology_%20QuickStartGuide_NewCardProgrammes_South%20Africa.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesSouthAfrica</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20NextGen%20Issuing%20Platform/blog5_Next-Gen-Issuing-Platform.png</image:loc><image:caption>blog5NextGenIssuingPlatform</image:caption><image:title>blog5NextGenIssuingPlatform</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Issuing%20TH/Paymentology_%20QuickStartGuide_NewCardProgrammes_Thailand.jpg</image:loc><image:caption>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:caption><image:title>PaymentologyQuickStartGuideNewCardProgrammesThailand</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Profit%20Meets%20Purpose-%20The%20New%20Era%20of%20Inclusive%20Finance.png</image:loc><image:caption>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:caption><image:title>ProfitMeetsPurposeTheNewEraofInclusiveFinance</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/Customer%20paying%20bill%20through%20smartphone%20using%20NFC%20technology%20in%20cafe.jpeg</image:loc><image:caption>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:caption><image:title>CustomerpayingbillthroughsmartphoneusingNFCtechnologyincafe</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/TIA/podcast/Inside%20Snappi%2c%20Greeces%20First%20Digital-Only%20Bank.png</image:loc><image:caption>InsideSnappiGreecesFirstDigitalOnlyBank</image:caption><image:title>InsideSnappiGreecesFirstDigitalOnlyBank</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog1.jpg</image:loc><image:caption>Paymentologyblog1</image:caption><image:title>Paymentologyblog1</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/How%20digital%20gift%20cards%20can%20help%20combat%20fraud%20in%20South%20Africa_Newsletter_BlogImage.webp</image:loc><image:caption>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:caption><image:title>HowdigitalgiftcardscanhelpcombatfraudinSouthAfricaNewsletterBlogImage</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Report%20Telco/blog%20posts/Paymentology_blog2.jpg</image:loc><image:caption>Paymentologyblog2</image:caption><image:title>Paymentologyblog2</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/why-mobile-card-management-matters-introducing-payocard</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/PayoCard%20Newsroom%20Graphic.png</image:loc><image:caption>PayoCardNewsroomGraphic</image:caption><image:title>PayoCardNewsroomGraphic</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Blog/1920%20x%201080-reseller%20(2).jpg</image:loc><image:caption>1920x1080reseller2</image:caption><image:title>1920x1080reseller2</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/Guide%20Mobile%20Wallets%20(Paymentology)/Blog4_Understanding-the-features-of-mobile-wallets.jpg</image:loc><image:caption>Blog4Understandingthefeaturesofmobilewallets</image:caption><image:title>Blog4Understandingthefeaturesofmobilewallets</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BlackFridayCyberMonday2025_LinkedIn_noLogo.jpg</image:loc><image:caption>BlackFridayCyberMonday2025LinkedInnoLogo</image:caption><image:title>BlackFridayCyberMonday2025LinkedInnoLogo</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.theissueracademy.com/podcast/how-stablecoins-are-powering-everyday-payments</loc><lastmod>2026-03-12</lastmod></url><url><loc>https://www.theissueracademy.com/articles/the-rise-in-ecommerce-spending-in-colombia</loc><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/BaaS%20in%20Saudi().png</image:loc><image:caption>BaaSinSaudi</image:caption><image:title>BaaSinSaudi</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Ecommerce%20in%20Colombia.png</image:loc><image:caption>EcommerceinColombia</image:caption><image:title>EcommerceinColombia</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Statista%20-%20Colombia%20Blog.png</image:loc><image:caption>StatistaColombiaBlog</image:caption><image:title>StatistaColombiaBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/campaigns/ebook%20Card%20Programme%20Blueprint/Why%20Control%20Is%20the%20Future%20of%20Payments_Blog.webp</image:loc><image:caption>WhyControlIstheFutureofPaymentsBlog</image:caption><image:title>WhyControlIstheFutureofPaymentsBlog</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logos/linkedin.svg</image:loc><image:caption>linkedin</image:caption><image:title>linkedin</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/pmty25/logo/Navy%20PMGTY%20Full%20Logo_cropped.svg</image:loc><image:caption>NavyPMGTYFullLogocropped</image:caption><image:title>NavyPMGTYFullLogocropped</image:title></image:image><image:image><image:loc>https://26906440.fs1.hubspotusercontent-eu1.net/hubfs/26906440/Google%20Pay%20officially%20lands%20in%20the%20Philippines%20Nov%202025_BlogImage_1280x720%20no%20logo%20(1).jpg</image:loc><image:caption>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:caption><image:title>GooglePayofficiallylandsinthePhilippinesNov2025BlogImage1280x720nologo1</image:title></image:image><lastmod>2026-03-11</lastmod></url></urlset>