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Tweak your Checkout: Simple Shifts, Big Wins! 🎯 #UXPaymentPulse This holiday season, join us twice a week as we revisit our series on perfecting digital payments! Our 1st focus: Card input with spaced blocks. This tweak mirrors the physical card format, improving readability and accuracy at checkout. Missed our summer series? Dive into all the details on our Instagram: https://lnkd.in/g2fYKQqJ #Ecommerce #DigitalPayments #UserExperience #CheckoutOptimization #PaymentInnovation #Fintech #CustomerExperience

🌍 #PayWorldTour: Ecuador 🇪🇨 – The E-commerce Payment Landscape in 2024 Ecuador’s e-commerce market is evolving, with a variety of payment methods shaping how consumers shop online. From popular card payments to rising mobile and digital wallet usage, Ecuadorians are embracing digital options for convenience and flexibility. 💳📲 While credit and debit cards are widely used for online purchases, cash continues to play a strong role through Cash on Delivery (COD). Bank transfers and emerging digital wallets like BIMO are also key players, allowing consumers to choose the most secure and accessible payment methods. The Buy Now, Pay Later (BNPL) trend is beginning to make an impact, offering flexibility to consumers and more options for e-commerce retailers. 📊 Discover our insights into Ecuador’s payment preferences and how digital payment solutions are driving the growth of e-commerce. 👉 Swipe through the carousel to learn more! 🔗 Full article in the comments. #ecommerce #digitalpayments #fintech #Ecuador #BNPL #paymentsolutions #digitalwallets Bemovil Mi Negocio Efectivo Deuna App

🔍 #PayDecoding: 𝗩𝗼𝗶𝗱 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 What are Void Transactions and how can they benefit digital merchants? 💡 Void transactions cancel a payment before it’s fully processed, ensuring no money leaves the customer’s account. This differs from refunds, which reverse settled payments and take longer to process. For digital merchants, void transactions offer key advantages: ✅ Quick error correction ✅ Fraud prevention ✅ Improved customer experience ✅ Avoiding chargebacks Want to learn more about how void transactions can enhance your payment system? … more detailed info in our article! Check the comments for the link. 🔗 #Payments #Ecommerce #MerchantSolutions #DigitalPayments #RefundVsVoid

It’s great to be back in London! The FinTech Connect event is already proving fruitful with plenty of valuable connections and exciting business opportunities.

🌟 Spotlight on #PaymentPeople2024: Francis Barel As we conclude our #PaymentPeople2024 spotlight series, we are honored to feature 𝗙𝗿𝗮𝗻𝗰𝗶𝘀 𝗕𝗮𝗿𝗲𝗹, whose accidental entry into the payment world has led to a profound career filled with impactful innovations. 🎲 𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗕𝗲𝗴𝗶𝗻𝗻𝗶𝗻𝗴𝘀: “My journey into the payments world was completely accidental,” Francis shares. Starting with a project for American Express as a consultant, he quickly realized the potential and importance of payment technologies. “Payment solutions must meet customer needs, ensure safety and ease of use, and always include a delighter to stand out,” he reflects on his early experiences and the principles that have guided his career. Currently, he leads PayPal France, where he continues to engage with the French Tech ecosystem and collaborate with colleagues globally. 💳 𝗨𝗻𝗶𝘃𝗲𝗿𝘀𝗮𝗹 𝗡𝗲𝗰𝗲𝘀𝘀𝗶𝘁𝘆 𝗼𝗳 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: Francis is passionate about the universal necessity of payments. “Every single person on earth needs to make payments, whether it’s to eat, grow a company, or feel included within the financial ecosystem,” he points out. This broad applicability drives his commitment to innovation in payments. 🔮 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗜𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻: While many focus on AI, Francis highlights financial inclusion as the crucial trend: “It’s essential to ensure that financial inclusion remains a core part of our companies’ philosophy, DNA, and innovations.” This focus ensures that advancements in payment technologies benefit a wide range of users. 🇪🇺 𝗖𝘂𝗹𝘁𝘂𝗿𝗮𝗹 𝗗𝗶𝘃𝗲𝗿𝘀𝗶𝘁𝘆 𝗮𝗻𝗱 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 𝗶𝗻 𝗘𝘂𝗿𝗼𝗽𝗲: “Europe is a scatter cloud of culture, history, and payments use cases,” says Francis, noting the challenges and opportunities this diversity creates for launching new products. “Each country’s unique culture makes working here interesting and requires tailored approaches.” #PaymentPeople2024 has been inspiring! We can’t wait to continue sharing more insights and stories with you as we head towards #PaymentPeople2025. #PaymentPeople2024 #Fintech #DigitalTransformation #Payments #Leadership #Innovation

Heading to FinTech Connect? Charles Guinet will be at Excel London this 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟰𝘁𝗵. Whether you’re curious about payment infrastructure, fintech solutions, or just want to chat, he’s ready to connect. 📅 𝗗𝗮𝘁𝗲: December 4th 📍 𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻: Excel London Let’s meet up and talk fintech! #FintechConnect #Networking #Payments

🌟 Spotlight on #PaymentPeople2024: Jordan Lawrence Today, we’re excited to feature Jordan Lawrence, an innovator whose contributions have significantly shaped the payment industry. He founded PCN, a platform dedicated to connecting professionals across payments, fintech, and eCommerce sectors, and later established Volt.io, a pioneering platform in the realm of open banking.  🚀 Entrepreneurial Journey: Jordan’s entrepreneurial path began with PCN in 2013, which he successfully sold in 2023, reflecting its growth and impact on the industry. He later launched Volt.io, focusing on advancing payment technologies. Recently, he stepped down to explore new innovative projects, driven by the industry’s evolving nature. “I’ve always been drawn to the payment industry’s complexity and its ever-changing nature,” Jordan shares. 🌍 Passion for Impact: “It’s an industry that underlines everything in life, very complex and ever-changing. The opportunity to shape behaviors and help the planet as we go is unprecedented in human history,” Jordan reflects. This passion for making a tangible impact drives his continuous pursuit of innovative projects. 💡 Vision for the Future: Jordan is particularly excited about the potential for account-to-account payments on a global scale, combined with blockchain technology. “There is a real possibility to have instant global payments, bypassing all schemes and ensuring ultimate transparency for both sender and receiver,” he envisions. This could revolutionize how transactions are conducted worldwide. 🛠️ Challenges in the Payment Landscape: He highlights the challenge of duopolization by major players like Visa and Mastercard, which stifles the ability of regional players to scale globally. “This has been an issue for a while on a global scale which holds back regional players from truly scaling globally,” he notes. 🎯 Advice for Payment Leaders: Jordan advises payment leaders to look beyond short-term cost savings. “Stop focusing on price, or your new supplier may not be around in a year’s time. Work with your CFO to see what your new provider is actually solving and the long-term gains you are creating for the business as a whole,” he suggests. This strategic approach is crucial for sustainable growth and innovation. Stay tuned as we continue to explore the journeys of leaders who are setting the course for the future of payments. #PaymentPeople2024 #Fintech #DigitalTransformation #Payments #Leadership #Innovation

🌟 Spotlight on #PaymentPeople2024: Lewis Clark - Payments / FinTech👨💻 Today, we highlight Lewis Clark, a seasoned professional in the payment industry with over 20 years of experience. From witnessing the shift from cash to digital payments, Lewis has been at the forefront of adopting innovative payment solutions. 🚀 Journey into Payments: “Over the past 20+ years in the payment industry, I have observed a significant transformation from cash transactions to digital payment solutions,” Lewis shares. He emphasizes that both he and consumers are increasingly seeking diverse payment options and seamless transaction experiences, with developments like Open Banking Payment solutions (PISP) driving this change. 💡Passion for Innovation: Lewis stumbled into payments in 2006 while working for a PSP and hasn’t looked back. “I love it. I’m excited about seeing more innovation like Open Banking and Blockchain. Solutions that can actually help consumers,” he remarks. This passion for practical and transformative solutions fuels his ongoing commitment to the field. 🛠️ Challenges and Regulatory Insights: One of the biggest challenges in the UK currently is for new PSPs seeking to get regulated for their E-money license. “The FCA requires you to meet specific standards, including capital and safeguarding requirements,” explains Lewis. This regulatory environment shapes much of the strategic planning for emerging PSPs in the region.  🎧 Advice for Payment Leaders: Lewis advises payment leaders, “Don’t get caught up with all the hype around what everyone is saying by the people that work in payments. Listen to your end consumer and understand how to streamline their checkout.” This consumer-focused approach is key to driving success and innovation in payments. Stay tuned as we continue to explore the journeys of leaders who are setting the course for the future of payments. #PaymentPeople2024 #Fintech #DigitalTransformation #Payments #Leadership #Innovation

🌟 Spotlight on #PaymentPeople2024: Nicolas Pinto Today, we’re delighted to feature Nicolas Pinto, a seasoned professional in the fintech and payments industry, whose career began in a consulting firm during the regulatory shifts brought by PSD2 and Open Banking. 🚀Journey into Payments: “My journey in the payment industry began as I witnessed the transformative regulatory shift brought by PSD2 and Open Banking, which spurred the development of innovative data-driven services and the rapid adoption of Instant Payments,” Nicolas shares. He has also played a pivotal role in assisting companies in obtaining payment licenses from Central Banks, gaining a comprehensive view of payment technologies. “I believe the future of payments lies in seamless, integrated solutions that cater to both B2C and B2B sectors.” 💡Fascination with Fintech: Nicolas stumbled into the fintech world by chance and has amassed over 8 years of experience. “What fascinates me about the payment industry is its constant evolution and its ability to envision new payment use cases and habits that were unimaginable in the past. It’s a revolutionary sector that is transforming major tech players, where payments are becoming a key part of their overall strategy.” 🌐Transformative Trends: Highlighting the convergence of digital identity and payment, Nicolas points to initiatives like the EUDIW, aiming to balance convenience and security. “This integration ensures robust identification throughout the customer journey, making transactions more seamless and secure,” he explains. This trend is paving the way for privacy-centric, decentralized payment systems, driving trust and innovation across the ecosystem. 🛠️Challenges and Advice: “The major challenges in Europe are driven by complex regulations like #PSD2 and #ISO20022,” Nicolas notes, emphasizing the high costs of compliance and the strategic choices required for market positioning. Globally, similar regulatory challenges exist but are particularly intricate in Europe. His advice for payment leaders? “Continuously develop both technical expertise and industry relationships. Master the various payment platforms, systems, and regulations while also building a strong network of partners and regulators. Staying informed and connected is crucial.” Stay tuned as we continue to explore the journeys of leaders who are setting the course for the future of payments. #PaymentPeople2024 #Fintech #DigitalTransformation #Payments #Leadership #Innovation

🌟 Spotlight on #PaymentPeople2024: David Gyori Today, we are excited to showcase @David Gyori, a visionary leader whose lifelong passion for banking has fueled his distinguished career in the payment industry. 🚀Journey into Payments: “I wanted to become a banker since age 6.” David’s journey began with his studies in finance, economics, and management. By age 22, he founded a company providing market research for banks. In 2015, David shifted his focus towards delivering high-quality training programs on Digital Banking Strategies and The Future of Payments globally. Today, he offers strategic advice to Boards and Executives of leading banks, emphasizing that “getting payments right is the first step of most success stories in digital banking.” 💡Innovation in Payments: David is captivated by the potential of payments to generate rich data, pivotal in the 21st Century—dubbed the ‘Century of Data.’ He highlights how “payments can generate the richest data. Using this data smartly, banks can create hyperpersonalized segments of one and sell assets and liabilities on an individualized customer basis.” 🌍 Global Trends and Transformations: A significant trend David points to is the emergence of the “Internet of Payments,” where “billions of semi-autonomous machines make their own payments.” This development promises to revolutionize how everyday objects like cars and household appliances interact with financial services, leading to an entirely new layer of payment systems. David also notes the trend of regional clusterization in payments, such as SEPA in Europe and ASEAN Pay in Asia, which challenges global payment rails like SWIFT, MasterCard, and VISA to adapt to regional dynamics. 🤝 Advice for Payment Leaders: David’s advice to leaders in the payments field is profound: “Innovative success requires empathy, because innovation is about underarticulated, unarticulated, or even unconscious customer needs.” Recognizing and understanding these involves sensitivity and empathy. Stay tuned as we continue to explore the journeys of leaders who are setting the course for the future of payments. #PaymentPeople2024 #Fintech #DigitalTransformation #Payments #Leadership #Innovation