Mobility volumes are climbing, and transactions per fleet are multiplying. Yet, margins decline. Discover how to unlock profits with data orchestration.

Closed-loop fuel card models were built for a different era. One where controlling the network meant controlling the customer, the transaction, and ultimately the margin. Fuel card issuers face rising pressure from regulation, fraud, and changing customer expectations. This article explores why outsourcing issuing platforms and adopting open-loop mobility solutions is becoming essential for scalability, compliance, and future growth in Europe’s evolving fleet and energy lands

It was at the MOVE24 mobility fair in London. We bumped into a senior commercial exec from one of the world’s biggest automotive leasing companies (even bigger now). We’d known each other for some years, so we grabbed a flat white and had a chat. What he came up with both stayed with us, and made us think: “ We have to start thinking more strategically about payments”. A generational opportunity What was once a sector defined primarily by vehicle financing and lifecycle manag

This article explores why fragmented telematics and payment systems create costly blind spots in commercial road transport. It shows how real-time integration between telematics and payment authorisation can reduce fraud, prevent leakage, improve compliance, and unlock operational efficiency. For CRT operators, unified data is no longer optional—it’s becoming a strategic and competitive necessity.

Leakage is the silent profit drain in commercial road transport. This article explains what leakage really is, why it happens even in compliant fleets, and reporting alone will not solve the problem. Learn how CRT operators leakage, protect margins, and enforce fuel strategy at the edge with our simple leakage-control blueprint used by top performing CRT operators.

Cardless payments are often seen as the future of commercial road transport, but not all cardless models work in CRT. This article explores why app-based solutions struggle to scale and how one-time codes, tokenisation, and real-time controls offer a more practical, CRT-native path forward—without breaking existing authorisation and settlement infrastructure.

Great Tech, Wrong Segment? explores the widening gap between the mobility payments innovation being built today and the realities of the commercial road transport (CRT) sector. While B2B mobility solutions have rapidly evolved—introducing in-app payments, tokenisation, machine-learning fraud checks, digital receipts, and real-time data feeds—the article argues that most of this innovation is still designed around corporate car fleet logic, not the demanding world of internati

Loyalty programmes are quickly becoming a staple of modern mobility services. From fuel networks and car-sharing apps to multimodal travel platforms, rewards have become part of the user experience. But when loyalty overlaps with work-related mobility, the lines begin to blur. If an employee earns points while using a company-funded mobility card, who do those rewards belong to; the company or the individual? Should they be taxed, tracked, or declared as part of employment in

When it comes to open-loop fleet cards, one question keeps resurfacing: how do you balance compliance with practicality? The Driver Card that requires a new PIN for rotating drivers, and card-based KYC processes with unnecessary steps that slow down onboarding. The open-loop future will depend on collaboration between schemes, issuers and fleet experts to define what “good” looks like. This is our take in a common-sense framework that works for schemes, issuers and the fleet

Many organisations still treat data as a by-product, rather than as their first and most powerful defensive asset. In corporate resilience, data is the first line of defence. By connecting payment, operational, and compliance datasets, businesses gain real-time situational awareness and are able to flag anomalies quickly. PHC Mobility defines three building blocks for operational resilience: Integrated data architecture, predictive intelligence, and embedded accountability.

Fuel cards were built for closed-loop networks. Tightly controlled, limited in scope, and optimised for a single purpose.nToday’s mobility environment is open and interoperable. You need to support EV chargin, multimodal journeys, flexible employee allowance, mobility budgets. You need payments that scale across different services, locations, and regulations, while maintaining control. If your current setup is slowing you down, we’ll help you build what's next.

IAA Mobility 2025 made one thing clear: the fleet transition is accelerating, but uneven. Costs, charging, and policy still present hurdles, but there’s plenty of energy and fresh thinking driving progress. PHC Mobility’s focus is to help organisations navigate this transformation—connecting mobility with payments, data, and ecosystems to deliver sustainable growth. For fleets, electrification is both inevitable and transformative: embracing openness and resilience now will s

Welcome to the era of real-time mobility, where mobility infrastructure, payment data, and platform intelligence converge to deliver resilience, innovation, and trust. The shift to a real-time mobility infrastructure requires a change in mindset. It is not about patching legacy systems but designing for interoperability, speed, and scale. Whether you're trying to future-proof your fleet operations, or build a unified wallet strategy: stop trying to patch the chaos, and build

When regulations shift almost overnight, sustainability reporting becomes mandatory, and mobility ecosystems expand far beyond fuel and fleet, traditional approaches to infrastructure simply don’t cut it. Stability, nowadays, is almost an illusion. You can’t build for stability anymore. You have to build for change. With tokenisation, a foundation for strategic intelligence. In a resilient infrastructure, AI acts like your sixth sense, quietly scanning for patterns, risks, an

This new world demands more than fuel cards and leasing contracts. It calls for integrated digital platforms, open APIs, CO₂ tracking, data-rich reporting, and seamless user experiences. It’s unfamiliar territory for many. But it also presents a rare chance to innovate and lead the transition. Getting it right requires more than ambition. It demands strategic clarity across mobility, payments, and regulation. Technical fluency to design scalable, secure solutions. That's wher