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

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.

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

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