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Nicholas's blog archive

2024 (2) 2023 (1)
Nicholas Holt

Nicholas Holt

Head of Solutions and Delivery, Europe at Marqeta
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Bio Nick is Senior Director Solutions Engineering at Marqeta. He joined Marqeta more than four years ago and is responsible for delivery and solutions, his role is to ensure partners have access to the very best technical solutions for payments, while enjoying the freedom and control to embed modern issuer processor functionality at the heart of their card programmes. Career History Before joining Marqeta, Nick held positions with Visa, Bank of America and Tuxedo Money Solutions in a payments career spanning more than 20 years.



Paying it Forward: The Future of BNPL, GenAI, and Embedded Finance in PayTech

23 Feb 2024

Amid continuing economic uncertainties, consumers are taking advantage of a raft of emerging technologies in financial management, investment, and savings. We are rapidly moving towards a cashless society, where card payments and digital wallets are the norm. We stand at the brink of a revolutionary period in fintech, driven by embedded finance so...

Artificial Intelligence and Financial Services

2024 Fintech Forecast: The Year of Flexible, AI-Powered Personalised Credit

09 Jan 2024

In the UK, 2023 was dominated by the continued impact of the cost of living crisis and rising inflation, leading to tighter budget restraints and growing consumer demand to have more control over their finances. In 2024, I I predict the desire for flexibility will continue, through growing demand for new features and technologies such as Buy Now, ...


Will PSD3 inspire the inevitable embedded finance revolution?

17 Aug 2023

Calling all payments nerds! The European Commission has published its proposal for a third Payment Services Directive (PSD3), building upon the achievements of PSD2 which sets out several key changes and developments that may impact financial services innovation. Implementation is not likely to take place before 2026, but the report has provided ...

The Payments Business

The Card Conundrum: Businesses Must Get Innovative with Payments In Times Of Economic Hardship

23 Mar 2023

In the U.K., payments with banknotes declined by 50% between 2010 and 2019 to account for just 15% of all transactions, while card payments across Europe soared from five billion to more than 46 billion payments per year since the start of the millennium. The bottom line is that the way consumers want to pay for goods is constantly changing and thi...