Navigating Digital Payments

With eIDAS2, soon every EU citizen will have access to an EU-wide digital identity wallet. What benefits will this bring for merchants and consumers? What are some of the potential hurdles with achieving this vision and how can they be overcome? And what else will the future of digital identity bring? Find out all of this and more in this podcast episode with Marie Austenaa (Head of Digital Identity in Europe for Visa) and Colombe Herault (R&D manager at Worldline).

What are the longer-term overarching shifts in the drivers of the payment industry? How will these changes impact merchants and consumers? And what are the essential ingredients for any successful payment method? In this in-depth interview, discover insights on each of these questions from Worldline’s CEO Gilles Grapinet, as well as finding out where he sees the future going and why he finds the payment industry both exciting and fascinating.  

What key developments in payments did we see in 2023? What impact will they have this year? And what action do merchants need to take as a result? Find out the answers from Mark McMurtrie (an award-winning independent consultant focused on payments and fintech) and Frederic Frizzarin (who leads the pre-sales team at Worldline Merchant Services). They share their insights and perspectives as part of the build-up to the Mastering the Art in Payments Excellence Workshop taking place in London on the 7th March.

What is alt-commerce? What are current examples of it? Are there regional differences? What threats and opportunities does it create for merchants? And what do they need to do now to take advantage of this trend? Find out all this and more in this podcast featuring Jie Xue who works on product strategy at Worldline and is a member of the Worldline Discovery Hub.

What benefits do digital receipts offer to consumers and merchants? What are the challenges with implementing them? And what exciting new developments are on the horizon? Find out the answers to all of this and more from Chris Moore, Director of International Business at ReceiptHero.

How people shop continues to change. Whether it’s new channels like chat commerce, new models like subscription of rental, or whole new classes of sellers like content creators. But which long-term trends do merchants really need to be paying attention to now? We find out from Geoff Barraclough, (Founder of The Business of Payments) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

What will banking look like in 10-20 years’ time? What will be the big changes and how will these impact banks, merchants, and consumers? We find out the answers from Rik Coeckelbergs, (Founder and Managing Director of The Banking Scene) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

Digital identity is gaining momentum. What do you need to do to be ready for this change? What use cases will it enable? What does it mean for banks, retailers and consumers? We cover all this and more with Dr Michael Salmony, an internationally recognised leader on strategy of business innovations in digital and financial services.

What impact does fraud have on businesses and individuals? How is fraud changing? And what advances are on the horizon for fraud detection and prevention? We get answers to all these questions and more from Worldline data scientist Bobby Rohrkemper.

How can retailers embrace re-commerce and rental to boost sustainability and delight their customers? And what is the impact on payments?

In this episode we are joined by Julie Delignon (Head of Sustainable Development and Circular Economy at Decathlon, France) to discover what Decathlon has been doing in this area, how their customers have reacted, the lessons they've learned and how it could evolve into the future.

Which payment trends do merchants really need to be paying attention to in 2023 and what action should they be taking now?

In this episode we tackle this question with Geoffrey Barraclough (Founder of The Business of Payments) and Inna Kostiuk (Global Partner Manager for Worldline Merchant Services) to cover several hot trends: checkoutless stores, open banking, the cashless society, SoftPOS, ISVs, crypto currencies and generative AI.

How are business models changing? What makes people choose rental, subscription and sharing models? And what do these changes mean for payments? We explore all of this and more with Johan Maes, Head of Worldline Labs Trust & Intelligence.

Payments and other financial products are increasingly being embedded into other solutions - but how will this trend impact merchants and consumers?

In this episode we are joined by Panagiotis Kriaris (Head of Business Development at Unzer) and Inna Kostiuk (Global Partner Manager for Worldline Merchant Services) to cover what embedded finance means, use cases that are being implemented now, some of the main challenges and what the future will bring.

Hear about innovations in chargeback fraud prevention from Alex Zeltcer, co-founder and CEO of nSure.ai who covers what specific challenges are faced, geographical variations, how it can be improved and what he thinks the future will bring.

Despite the fact that PSD2 was introduced way back in 2019, Open Banking payment transactions are still a tiny fraction of total payment volumes. Will it grow? Are we going to see other innovations driven by Open Banking? What more radical disruptions could it bring? We find out from our guest Dr Michael Salmony, Internationally recognised leader on strategy of business innovations in digital and financial services, with a particular focus on Payments, Open Finance, FinTech, Digital Identity and Electronic Money/CBDCs.

We look at how Open Banking has evolved; how banks, FinTechs and other industry players have reacted to it; what use cases are being tried; how it can impact merchants; and how it will evolve in the future.

With many alternative payment methods appearing on the market, such as account-to-account, mobile wallets and CBDSs, what does the future look like for card payments? We find out from our guests Angelo Caci, Managing Director of Syrtals Cards & Beyond and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services.

We look back at how cards have risen to become a ubiquitous digital payment method today. Then we look at alternatives to card payments, exploring why some of them have become popular and what this could mean for the future of card payments.

In this episode, we tackle the questions of whether regulations promote or stifle innovation in payments with our guests Sylvie Calsacy (Head of Public and Regulatory Affairs at Worldline) and Jonathan Sauer (Innovation Manager for Worldline Financial Services in Benelux).

We discuss what it means to be innovative, what stimulates innovation and what some of the key regulatory shifts in payments have been. Then we go on to consider how the regulatory landscape is set to evolve and how this might impact innovation in payments.

How will the world of payments change in 2023? What will be the big trends and what will take people by surprise? We find out from our guests Rik Coeckelbergs, Founder and Managing Director of The Banking Scene and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services.

We look back at the main trends and changes in 2022 which will impact the payment landscape in 2023 and beyond. Then we look forward to the main trends for 2023 before finally looking at what unexpected changes may happen. 

In this episode, we discuss the factors that drive conversion rates with Frank Roessig, Head Digital Trust Solutions at Proximus and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services.

We clarify what is meant by omni-channel, the impact it has, and how it compares to multi-channel and opti-channel strategies. Then we look at the key challenges retailers face with implementing a great omni-channel experience and market developments in this area.

In this episode, we discuss the world of autonomous payments with Denis Faivre – Head of Innovation at Worldline.

We cover exactly what is meant by autonomous payments, the potential use-cases, the challenges and how they will evolve in the future.

In this episode, we are joined by Leo Van Hove, Professor of Economics at Vrije Universiteit Brussel to explore the idea of a cashless society.

Leo shares some of the initial findings from the Digital Payments Barometer in Belgium which reveals how attitudes to payments have changed post-Covid. We also cover what some of the benefits of going cashless could be, what can influence how people choose to pay and why going cashless could also cause challenges and problems for people.

The world of consumer credit is changing fast - can Open Banking help to make it safer, more frictionless, and enable better lending decisions to be made faster? That's what we tackle in this episode with guests Michael Diguet (Co-founder and CEO of Algoan) and Henrik Hodam (Head of Open Banking Products at Worldline Financial Services).

We explore recent developments in consumer credit, the rise of Open Banking and how Open Banking can be applied to the credit industry. We also cover some of the associated challenges and how they can be addressed, as well as looking at what the future trends in this area will be.

In this episode, we are joined by Rob Price, Director of Alchemy Digital and founder of Corporate Digital Responsibility to discuss how CDR will impact payments.

We cover what CDR is and why it matters, what encourages people to adopt digital solutions and what barriers exist, and how technology can provide benefits for society whilst minimising harms.

Everybody's talking about it, but is the Metaverse just another buzzword or a real opportunity? In this episode, we tackle this question with Sascha Munger (Product Owner WL Metaverse Showroom) and Chris Baumann (Head of Digitalisation and Innovation at Worldline Merchant Services).

We explore what role the Metaverse might play in future commerce scenarios, Worldline's longer-term plans and vision for the Metaverse, as well as what Worldline has set out to do with its showroom in Decentraland.

There's a lot of buzz about crypto payments, but is anyone really using it to pay for goods in-store? In this episode, we tackle this question with Sascha Munger (Product Owner WL Crypto Payments) and Daniel Haas (Head of Global Acquiring Products at Worldline Merchant Services).

We explore why merchants might want to accept crypto payments, the status of the crypto market, how crypto payment acceptance can work for merchants and consumers, and how crypto payments will evolve into the future.

In this episode, we are joined by Karen Elliott and Jehana Copilah-Ali from Newcastle University business School to discuss whether the payments digital divide is increasing. 

We cover what financial inclusion is and why it matters, how digital technology can both help and hinder financial inclusion, people's attitudes towards going cashless and whether a new divide could occur between traditional and new digital payments.

In this episode, we discuss the future of in-store retail with Sunil Rongala, Senior VP Strategy, Innovation and Analytics at Worldline India.

We explore what has led to the rise of online shopping, the unique benefits that in-store shopping can offer to consumers, the challenges facing retailers, and how in-store retail will have to evolve in the future in order to survive.

In this bonus episode, we discuss how B2B payments can be made more seamless and frictionless with Adrien Touati (Co-Founder of manager.one) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

We talk about why businesses want to streamline their payments, some of the challenges and how these can be addressed and the future trends emerging in this space.

In this episode, we discuss greener payments with Anne-Claude Tichauer, Product Executive at Worldline Merchant Services.

We cover why sustainability is important, what the environmental impact of digital payments is, and how the payment industry needs to change to become greener.

In this bonus episode, we discuss how ESG rating data can drive more sustainable choices with Oriane Wiser (Project Manager at GSES) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

We talk about some of the challenges businesses and consumers face as they seek to become more sustainable, the importance of having a rating system that can be trusted, and how ecommerce will evolve to support consumers to make more sustainable choices. 

In this bonus episode, we discuss speech recognition and natural language processing with Romain Sambarino (CEO of Allo-Media), Romain Rullier (Sales and Partnership Development at Allo-Media) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

We talk about the challenges of implementing reliable speech recognition and natural language processing and how they can be addressed, the benefits for businesses and consumers, and the future trends to watch out for in this space.

In this episode, we discuss digital currencies with David Karney, Head of Digital Assets at Worldline UK.

We cover the rise of Bitcoin, the barriers for wider adoption and the advent of Central Bank Digital Currencies (CBDCs) - and we find out about David's stash of Bristol pounds!

In this bonus episode, we discuss facial recognition with Andre Coelho (Co-Founder and CEO of Saffe), Giovani Chiachia (Co-Founder, Chief Scientist and CTO of Saffe) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

We talk about the benefits of payments triggered by facial recognition, challenges to adoption and how they can be implemented whilst respecting privacy and data protection.

In this bonus episode, we discuss digital contracts and programmable money with Jan Ellerbrock (Co-Founder and CEO of trueLedger) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services).

We talk about what digital contracts are, what use-cases they can support, the benefits they can provide and trends that will become important in the future.

In this episode, we discuss customer experience with Chris Baumann, Head of Digitalisation and Innovation for Worldline's Merchant Services business.

We ask why customer experience is important, how it impacts consumer behavior and churn, terminology and the future trends in customer experience will be.