Latest opinions that Todd Clyde has shared on Finextra

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Todd Clyde

CEO

Token.io

Member since

02 Dec 2019

Location

London

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Todd's opinions

A2A Payments: The Disruption Banks Can’t Afford to Dodge in 2025

This Isn’t Just a Trend, It’s a Seismic Shift As we move toward 2025, we’re witnessing a fundamental shift in payments, with analysts projecting a 30% surge in Europe’s A2A payment volumes this year.[1] This isn’t just a trend, it’s a seismic shift, with 1 in 4 Europeans anticipated to embrace A2A payments for online transactions by the end of 202...

31 January 2025 /payments

Instant Payment Regulation - PSD2 Déjà Vu?

Customer Experience: The Key Battleground Intended to accelerate the rollout of real-time payments in Europe, the EU’s Instant Payment Regulation (IPR), which came into force on 9 January 2025, requires European banks to be capable of receiving instant payments (SEPA Instant). Looking ahead, Europe's real-time payments revolution reaches another t...

21 January 2025 /payments /predictions

Making good on open banking payments’ promise

Open banking is the most exciting disruption to hit financial services in a generation and is fundamentally changing the payments landscape. Account-to-account (A2A) payments offer not only cost savings and better cash flow but unrivalled reach by covering anyone with a bank account, all while providing smoother onboarding processes and superb ban...

15 November 2021 /payments The future of Payments in Europe

Will A2A payments move into the mainstream and reshape the payments landscape?

The noise around account-to-account (A2A) payments is starting to swell as people pick up on the benefits. FIS’ Global Payments Report 2020 predicted that A2A payments will account for 20% of all e-commerce payments, surpassing both credit and debit cards by 2023. But are we ready? An A2A payment is simply where the payment moves directly from the...

20 October 2021 /payments Open Banking

Open banking connectivity: the outlook is better than you think

You have probably seen the headlines about banks not being ready for PSD2 – as the deadline approached and then passed, they were hard to miss. While it is true that less than 50% of banks have met all of the requirements mandated by the EU legislation, this is far from the full story. The open banking outlook for Europe is, in fact, brighter than ...

18 December 2019 Open Banking