The Payments Trilogue

"CBDC & DIGITAL EURO" is the topic of our 6th episode of The Payments Trilogue, which we have published today and which you can find for example here on Spotify: https://lnkd.in/eVbKpZwE, or here on YouTube: https://lnkd.in/epXRvV5i, but also on most other podcast platforms. In this episode, the conversation explores the topic of Central Bank Digital Currency (CBDC) and the digital euro. The discussion focuses on the reasons for CBDC, concerns surrounding it, and the potential impact on various stakeholders. The participants discuss the need for a digital version of cash, the challenges of implementing CBDC in the retail space, and the potential benefits of wholesale CBDC for cross-border transactions. They also highlight the importance of a sustainable business model and the need to avoid crowding out existing payment solutions. Overall, the conversation emphasizes the need for careful consideration and a clear problem-solving approach in the development of CBDC. We hope you continue to enjoy our discussions and will subscribe to it on your preferred platform. Episode #7 will be about "SPAA", the SEPA Payment Account Access scheme, to be released in two weeks time on 10-Dec-2024.

"FRAUD" is the topic of our 5th episode of The Payments Trilogue, which we have published today and which you can find for example here on Spotify: https://lnkd.in/ecjRcQkF, or here on YouTube: https://lnkd.in/eR9iMfHK, but also on most other podcast platforms. In this episode, we discuss the evolving landscape of fraud in the payments industry. We explore the challenges posed by increasingly sophisticated fraud tactics, the importance of cross-sector collaboration in combating fraud, the role of technology and regulation, and the implications of AI in both facilitating and preventing fraud. The conversation highlights the need for a comprehensive approach to fraud prevention that includes data sharing, regulatory support, and technological innovation. We hope you continue to enjoy our discussions and will subscribe to it on your preferred platform. Episode #6 will be about "CBDC & DIGITAL EURO" to be released in two weeks time on 26-Nov-2024.

"PSR & PSD3" is the topic of our 4th episode of The Payments Trilogue, which we have published today and which you can find for example here on Spotify: https://lnkd.in/emy9zUuc, or here on YouTube: https://lnkd.in/e3D-gXwK, but also on most other podcast platforms. In this episode, we discuss the evolution of payment regulations in Europe, focusing on the transition from PSD2 to PSD3 and PSR. We explore the challenges faced by Payment Initiation Service Providers (PISPs) and Account Information Service Providers (AISPs), the importance of collaboration over regulation, and the need for better governance and competition in the payment services landscape. The conversation also delves into the technical aspects of APIs, liability concerns, and the future of payments regulation, emphasizing the necessity for industry cooperation to create effective solutions. We hope you continue to enjoy our discussions and will subscribe to it on your preferred platform. Episode #5 will be about "FRAUD" to be released in two weeks time on 12-Nov-2024.

"Instant Payments" is the topic of our 3rd episode of The Payments Trilogue, which we have published today and which you can find for example here on Spotify: https://lnkd.in/eNaab4Ng, or here on YouTube: https://lnkd.in/eGiv9Udb, but also on most other podcast platforms. In this episode, we discuss the evolution and significance of instant payments in Europe. It explores the regulatory landscape, the impact on FinTech, and the challenges and opportunities in B2B payments. The conversation highlights the need for collaboration among stakeholders and the implications of new regulations on the payments industry. The episode concludes with reflections on the future of instant payments and the importance of working together for mutual benefit. We hope you enjoy our discussions and will subscribe to it on your preferred platform. Episode #4 will be about "PSR & PSD3" to be released in two weeks time on 29-Oct-2024.

We have just published the 2nd episode of our Payments Trilogue covering the topic of "Regulation", which you can find for example here on Spotify: https://lnkd.in/ezRNFQH7, or here on YouTube: https://lnkd.in/ex8pvRWv, but also on most other podcast platforms. In this episode, our discussion revolves around the effectiveness of EU regulations, particularly in comparison to other global approaches. We explore the balance between regulation and innovation, the impact of regulatory frameworks on market dynamics, and the importance of competition in fostering a healthy economic environment. And we also delve into the complexities of the legislative process in the EU and conclude with reflections on the future of regulation and competition in the payments landscape. We hope you enjoy our discussions and will subsribe to it on your preferred platform. Episode #3 will be about "Instant Payments" to be released in two weeks time on 15-Oct-2024.

A week late, but here is my repost. Let us know what you think!

Today, we are launching a new podcast called "The Payments Trilogue", which will explore the evolving landscape of payments in Europe and address current challenges for the industry by focusing on collaboration and innovative approaches between the various stakeholders, in particular banks and fintechs. As an alternative to sector lobbying and more and more top-down regulation, which no side is happy with, we are aiming to show that exploring common interests with more cross-industry dialogues, trilogues and multilogues can lead to more cooperation, less regulation and better outcomes for all, including our customers and the authorities themselves. You can watch (or just listen to) our little "Introduction" for example here: https://lnkd.in/edKEkbbn (Spotify) or here: https://lnkd.in/efA4wCTM (YouTube) and our first episode called "MEPGA - Make European Payments Great Again" here: https://lnkd.in/eeaJND28 (Spotify) or here: https://lnkd.in/esxjMWWZ (YouTube), but they are also available on most other podcast platforms. All going well, we will do a new episode every two weeks. Please follow or subscribe to our podcast in your preferred channel and don't hesitate to let us know your likes and dislikes, as well as your suggestions on topics to cover.