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The future of Payments in Europe

With an increase in regulations and growing involvement from multiple players, the world of payments is undergoing a disruption across the region

Arnaud Crouzet

Arnaud Crouzet Vice President, Business Consulting at Consult Hyperion

12 Years Ago: The First nexo Standards Transaction, a Milestone for European Payments

On June 5, 2013, a major step was taken towards the harmonization of card payments in Europe. I had the privilege of executing the very first live transaction based on the protocols and standards that would become nexo standards, in an Auchan store in Faches-Thumesnil, France, for a symbolic amount of €1. This pioneering moment, realized in partner...

/payments /markets

Pratiksha Pathak

Pratiksha Pathak Head of Payments Services at RedCompass Labs

Will Europe's Love for Cash Survive Instant Payments?

When was the last time you paid with cash? If you’re in London, you might struggle to remember. But in parts of Europe, cash is still king—at least for now. Just before Christmas, I was delighted to unwrap an early gift from an unlikely source: the European Central Bank. They had just released a fascinating study about how Europeans pay for things...

/payments /people

Katherine Maslova

Katherine Maslova CBDO and Founding Member at Bourgeois Bohème

How $84 Trillion Wealth Transfer Can Drive Digital Transformation in Payments and Wealth Management

The financial world stands on the verge of a historic transformation. Over the next two decades, Baby Boomers will transfer an estimated $84 trillion to Millennials and Gen Zers, in what is labeled as one of the greatest shifts in economic power of our time. For financial institutions, this represents both a once-in-a-lifetime opportunity and ...

/payments /wealth

John Bertrand

John Bertrand MD at Tec 8 Limited

Just implement the new regulations to prevent APP (Authorised Push Payment) fraud

The Financial Times last week reported strong industry resistance to the incoming mandatory reimbursement to bank fraud caused by authorised push payment (APP) fraud. This is understandable as banks since 2015 have not refunded 50% of the reported amounts scammed and now are mandated to refunding 100% of the customers money. A serious recurring an...

/payments /regulation

Robert Kerrigan

Robert Kerrigan Chief Operating Officer at TrueLayer

Eyes on the prize - payments regulation needs a re-focus

In March 2024, there were 16 million account-to-account (A2A) payments made in the UK, powered by open banking. If the future of payments is A2A, then the future is here now. Adoption is accelerating dramatically as businesses embrace this new and cost-effective way to accept consumer payments without the complex intermediary layers associated wi...

/payments /regulation

Ross Kolodyazhnyi

Ross Kolodyazhnyi CEO at DCM

The future is tokenized. You’re either on board or you get left behind.

If you seek the trigger to lead the next leg of the crypto "bullish" market, it won't be Ethereum ETF approval or Bitcoin halving. It will be driven by real-world assets. RWA tokenization, without exaggeration, can be called the hottest corner of the digital asset industry. The quarterly report of our partner, Stellar Development Foundati...

/payments /crypto

John Bertrand

John Bertrand MD at Tec 8 Limited

Global Instant Payments - the next big thing

Answering the question “what is the next big thing” well it is Global Instant Payments. The importance of this is ‘Elon Musk’s X now has a Money Transmitter License in 25 US States and the goal is a self-contained financial ecosystem within the X platform. Musk was behind PayPal ranked second in a report of 10 Best Online Payment 2024. While more...

/payments /retail

Ross Kolodyazhnyi

Ross Kolodyazhnyi CEO at DCM

Europe is waiting for MiCA, but we should prepare for challenges — Ross Kolodiazhnyi, CEO at DCM

After hosting a panel discussion, "Crypto Regulation Unveiled: Exploring MiCA's Global Impact," at the FIBE Fintech Festival in Berlin, I've caught myself thinking that everybody is not so excited about MiCA regulations. Will it become that magic wand to address current hurdles holding back the global adoption of blockchain and crypto as...

/regulation /startups

Ross Kolodyazhnyi

Ross Kolodyazhnyi CEO at DCM

The Next $16tn Opportunity in Crypto You Are Missing

We are on the threshold of massive financial changes, and I'm not talking about the distant future but about something happening now. In 2023, real world asset tokenization again emerged on the radars of financial institutions and investors, resulting in a new round of popularity and adoption. Why is the surge of interest actually happening? Busi...

/payments /predictions

Ross Kolodyazhnyi

Ross Kolodyazhnyi CEO at DCM

Will Stablecoins Become Invisible Rails for Payments?–Yes, They Already Do

The introduction of stablecoins has highlighted a decades-old problem: despite all the tech innovations and dynamics, the payment sector remains slow, unfair, and opaque. They pointed up the need to facilitate access to financial services and cross-border payments. But most importantly, they have come to the forefront of those changes and innovati...

/payments /predictions

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