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Nicholas Holt

Head of Solutions and Delivery, Europe
Marqeta
Member since
16 Mar 2023
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Greater Cheshire West And Chester Area
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Followed by John Sims, Martha Boyle and 5 others you follow
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Nicholas's opinions

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Nicholas Holt

Navigating Financial Fluctuations with Flexible Solutions

Much like the unpredictable British weather, financial outlays and savings ebb and flow throughout the year. For some, this means preparing for periods of higher spending, such as summer holidays, while also navigating tighter budgets in the early months of the year, often stretched thin following the festive season. Today, modern consumers seek i...

07 March 2025

Nicholas Holt

A Whole New World of Embedded Finance

As more people use smartphones and other mobile devices to conduct their daily lives, mobile payments are becoming increasingly popular, for example, research suggests that over half of US and UK consumers had used a mobile wallet in the last 90 days. Simultaneously, consumers across geographies expressed a growing comfort with the idea of a cashl...

14 August 2024 /payments

Nicholas Holt

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

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...

23 February 2024 /payments /predictions

Nicholas Holt

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

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, ...

09 January 2024 /payments /predictions Artificial Intelligence and Financial Services

Nicholas Holt

Will PSD3 inspire the inevitable embedded finance revolution?

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 ...

17 August 2023 /payments /retail

Nicholas Holt

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

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...

23 March 2023 /payments The Payments Business

Nicholas writes about

  • payments
  • retail banking
  • predictions

Nicholas's opinion archive

  • 2025 (1)
  • 2024 (3)
  • 2023 (1)
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Ian Johnson

Ian Johnson
Head of Europe at Marqeta

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