Latest opinions that Arnaud Crouzet has shared on Finextra

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Arnaud Crouzet

Vice President, Business Consulting

Consult Hyperion

Member since

09 Feb 2019

Location

Paris - France

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Arnaud's opinions

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...

18 June 2025 /payments /markets The future of Payments in Europe

How instant payments can empower merchants to enhance the consumer’s payment experience.

Instant payments allow users to transfer funds in a matter of seconds. The convenience and transparency that this allows businesses to provide has led to growing adoption as users demand a seamless payment experience. 75% of small and medium-sized businesses that use a platform or marketplace to run their business have voiced their desire for same...

13 February 2024 /payments

nexo standards: simplifying payments one transaction at a time.

In the constantly evolving payments landscape, technological developments move fast, and stakeholders need to keep up with changing consumer demands. But the reality of payment acceptance can be much slower. Many stakeholders work with proprietary messages to enable acceptance. These can be costly to maintain, complex to update and differ by count...

21 November 2023 /payments

EMV® 3DS: what do domestic schemes need to know?

Domestic schemes in many countries have grown from strength to strength, digitalizing and innovating to keep up with their international counterparts. One area where it is especially important to keep pace is cardholder authentication. It is imperative that domestic schemes provide state of the art security without inhibiting the user experience. ...

31 July 2023 /payments

Payment is a strategic differentiator for domestic schemes

For merchants, the payment experience has become business critical, and vital to their relationships with customers. They need frictionless payments that are integrated into the customer buying journey. In today's digital age, payments have become increasingly strategic for merchants, especially when it comes to their customer relationships. Paymen...

10 July 2023 /payments Frictionless Payments

EPI: how to build trust and adoption among consumers and merchants?

What is EPI? The European Payments Initiative (EPI) is aiming to provide a pan-European payments solution. EPI aims to set itself apart from other payment methods and address the challenges created by the fragmentation of the European payments landscape. Some of the EU's biggest banks are already members of EPI, and several more are anticipated to ...

01 December 2021 /payments The future of Payments in Europe

Fintechs: challenges and opportunities to revolutionize payments.

Fintechs aim to challenge traditional financial services thinking with the use of innovative technologies. In doing so, they can often provide a better user experience than entrenched methods. These improvements include speeding up transactions, lowering the number of rejected payments, giving greater insight into finances and creating more seamle...

08 July 2021 /payments /retail Fintech

A new vision of payments: What is the European Payments Initiative?

The newly-established European Payments Initiative promises a new vision of payments. Innovative use cases will be made available to consumers across Europe for the first time. There’s strong backing for the project already among financial institutions and the European Central Bank, making it likely to succeed. With the first phase due to start in...

11 November 2020 /payments /regulation The future of Payments in Europe