Navigating Digital Payments

Despite the fact that PSD2 was introduced way back in 2019, Open Banking payment transactions are still a tiny fraction of total payment volumes. Will it grow? Are we going to see other innovations driven by Open Banking? What more radical disruptions could it bring? We find out from our guest Dr Michael Salmony, Internationally recognised leader on strategy of business innovations in digital and...

With many alternative payment methods appearing on the market, such as account-to-account, mobile wallets and CBDSs, what does the future look like for card payments? We find out from our guests Angelo Caci, Managing Director of Syrtals Cards & Beyond and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We look back at how cards have risen to become a ubiquitous digital pa...

In this episode, we tackle the questions of whether regulations promote or stifle innovation in payments with our guests Sylvie Calsacy (Head of Public and Regulatory Affairs at Worldline) and Jonathan Sauer (Innovation Manager for Worldline Financial Services in Benelux). We discuss what it means to be innovative, what stimulates innovation and what some of the key regulatory shifts in payments h...

How will the world of payments change in 2023? What will be the big trends and what will take people by surprise? We find out from our guests Rik Coeckelbergs, Founder and Managing Director of The Banking Scene and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We look back at the main trends and changes in 2022 which will impact the payment landscape in 2023 and beyond. The...

In this episode, we discuss the factors that drive conversion rates with Frank Roessig, Head Digital Trust Solutions at Proximus and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We clarify what is meant by omni-channel, the impact it has, and how it compares to multi-channel and opti-channel strategies. Then we look at the key challenges retailers face with implementing a...

In this episode, we discuss the world of autonomous payments with Denis Faivre – Head of Innovation at Worldline. We cover exactly what is meant by autonomous payments, the potential use-cases, the challenges and how they will evolve in the future. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the Worldline Discovery Hub which you c...

In this episode, we are joined by Leo Van Hove, Professor of Economics at Vrije Universiteit Brussel to explore the idea of a cashless society. Leo shares some of the initial findings from the Digital Payments Barometer in Belgium which reveals how attitudes to payments have changed post-Covid. We also cover what some of the benefits of going cashless could be, what can influence how people choose...

The world of consumer credit is changing fast - can Open Banking help to make it safer, more frictionless, and enable better lending decisions to be made faster? That's what we tackle in this episode with guests Michael Diguet (Co-founder and CEO of Algoan) and Henrik Hodam (Head of Open Banking Products at Worldline Financial Services). We explore recent developments in consumer credit, the rise...

In this episode, we are joined by Rob Price, Director of Alchemy Digital and founder of Corporate Digital Responsibility to discuss how CDR will impact payments. We cover what CDR is and why it matters, what encourages people to adopt digital solutions and what barriers exist, and how technology can provide benefits for society whilst minimising harms. Checkout the The Payments Digital Divide Surv...

Everybody's talking about it, but is the Metaverse just another buzzword or a real opportunity? In this episode, we tackle this question with Sascha Munger (Product Owner WL Metaverse Showroom) and Chris Baumann (Head of Digitalisation and Innovation at Worldline Merchant Services). We explore what role the Metaverse might play in future commerce scenarios, Worldline's longer-term plans and vision...

There's a lot of buzz about crypto payments, but is anyone really using it to pay for goods in-store? In this episode, we tackle this question with Sascha Munger (Product Owner WL Crypto Payments) and Daniel Haas (Head of Global Acquiring Products at Worldline Merchant Services). We explore why merchants might want to accept crypto payments, the status of the crypto market, how crypto payment acce...

In this episode, we are joined by Karen Elliott and Jehana Copilah-Ali from Newcastle University business School to discuss whether the payments digital divide is increasing.  We cover what financial inclusion is and why it matters, how digital technology can both help and hinder financial inclusion, people's attitudes towards going cashless and whether a new divide could occur between tradit...

In this episode, we discuss the future of in-store retail with Sunil Rongala, Senior VP Strategy, Innovation and Analytics at Worldline India. We explore what has led to the rise of online shopping, the unique benefits that in-store shopping can offer to consumers, the challenges facing retailers, and how in-store retail will have to evolve in the future in order to survive. Each episode of season...

In this bonus episode, we discuss how B2B payments can be made more seamless and frictionless with Adrien Touati (Co-Founder of manager.one) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). We talk about why businesses want to streamline their payments, some of the challenges and how these can be addressed and the future trends emerging in this space. Checkout the 2021 rep...

In this episode, we discuss greener payments with Anne-Claude Tichauer, Product Executive at Worldline Merchant Services. We cover why sustainability is important, what the environmental impact of digital payments is, and how the payment industry needs to change to become greener. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the Wo...

In this bonus episode, we discuss how ESG rating data can drive more sustainable choices with Oriane Wiser (Project Manager at GSES) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). We talk about some of the challenges businesses and consumers face as they seek to become more sustainable, the importance of having a rating system that can be trusted, and how ecommerce will...

In this bonus episode, we discuss speech recognition and natural language processing with Romain Sambarino (CEO of Allo-Media), Romain Rullier (Sales and Partnership Development at Allo-Media) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). We talk about the challenges of implementing reliable speech recognition and natural language processing and how they can be addresse...

In this episode, we discuss digital currencies with David Karney, Head of Digital Assets at Worldline UK. We cover the rise of Bitcoin, the barriers for wider adoption and the advent of Central Bank Digital Currencies (CBDCs) - and we find out about David's stash of Bristol pounds! Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the W...

In this bonus episode, we discuss facial recognition with Andre Coelho (Co-Founder and CEO of Saffe), Giovani Chiachia (Co-Founder, Chief Scientist and CTO of Saffe) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). We talk about the benefits of payments triggered by facial recognition, challenges to adoption and how they can be implemented whilst respecting privacy and dat...

In this bonus episode, we discuss digital contracts and programmable money with Jan Ellerbrock (Co-Founder and CEO of trueLedger) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). We talk about what digital contracts are, what use-cases they can support, the benefits they can provide and trends that will become important in the future. Checkout the 2021 report published by...

In this episode, we discuss customer experience with Chris Baumann, Head of Digitalisation and Innovation for Worldline's Merchant Services business. We ask why customer experience is important, how it impacts consumer behavior and churn, terminology and the future trends in customer experience will be. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 rep...