Fintech Finance Presents: The Paytech Magazine Issue 06
Oct19

Fintech Finance Presents: The Paytech Magazine Issue 06

We at Fintech Finance are proud to present our latest edition of The Paytech Magazine! There has been so much going on this the Paytech sphere and we provide updates on key Neobanks, such as Banking Circle, Manzil and ESG. Included in this issue are commentaries by Marcel van Oost, who compares two leading neobanks as well as a delve into how ISO 20022 & SWIFT gpi show interoperability between crossborder payments. We finally look...

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Exclusive: ‘The Endgame no. It’s just the beginning…’ – Ali Paterson book review in “The Paytech Magazine”
May23

Exclusive: ‘The Endgame no. It’s just the beginning…’ – Ali Paterson book review in “The Paytech Magazine”

When the payments industry assembled for the launch of the most recent instalment in a crowdsourced publishing series – The Paytech Book – Ali Paterson (right) was there to witness it. So, full disclosure: I am one of the co-authors of The Paytech Book. I am also a massive fan of the Marvel Cinematic Universe, especially the scene in Avengers: Endgame (spoiler alert) where everyone, and I mean everyone, comes back through the portals...

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Exclusive: ‘Going fintech fishing in the Baltics’ – Mantas Katinas, Invest Lithuania & Marius Jurgilas, Bank of Lithuania in “The Paytech Magazine”
May22

Exclusive: ‘Going fintech fishing in the Baltics’ – Mantas Katinas, Invest Lithuania & Marius Jurgilas, Bank of Lithuania in “The Paytech Magazine”

Doug Mackenzie travelled to Lithuania to see how the country has brought together public and private organisations to create a fintech hub. Here, he talks to Mantas Katinas, General Manager of Invest Lithuania, about attracting foreign capital and raw talent. The USA, UK, Singapore… and Lithuania. This is the fintech order of magnitude, according to the first annual Global Fintech Index, published in February this year.  That a...

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Exclusive: ‘The value exchange’ – Lisa Frazier, Wells Fargo in “The Paytech Magazine”
May21

Exclusive: ‘The value exchange’ – Lisa Frazier, Wells Fargo in “The Paytech Magazine”

Wells Fargo’s Head of Innovation, Lisa Frazier, believes one of the most compelling use cases for artificial intelligence will depend on customers making judgements that change the role of banking . Digital technologies such as artificial intelligence (AI), data analytics and the Internet of Things are making banking increasingly intuitive, if not invisible. Even the most basic of accounts can help customers manage their money, avoid...

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Exclusive: ‘A silver lining?’ – Ciaran Chu, ACI Worldwide in “The Paytech Show”
May20

Exclusive: ‘A silver lining?’ – Ciaran Chu, ACI Worldwide in “The Paytech Show”

The COVID-19 pandemic has been grim and the impact on our lives – including our financial lives – profound. But when the storm has passed, banks could reflect on this moment to crystalise strategies that create more resilient systems, says Ciaran Chu, Head of Public Cloud for ACI Worldwide There’s no denying it, coronavirus has dramatically changed the way we shop – maybe forever. As entire populations isolate, people and...

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Exclusive: ‘It’s a fair swap’ – Jamie Broadbent, RBS International in “They Paytech Magazine”
May19

Exclusive: ‘It’s a fair swap’ – Jamie Broadbent, RBS International in “They Paytech Magazine”

To fully embrace open banking means to share both customers and data. For Jamie Broadbent, Head of Digital and Innovation at RBS International, that’s no bad thing. Jamie Broadbent has a vision to set the ‘prisoners’ of banking (aka bank customers) free. Given that he is employed as head of digital and innovation at RBS International, part of UK high street giant RBS Group, that may seem odd. But he argues that RBS, like every other...

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Exclusive: ‘Going to Xtremes’ – Fabrice Denèle, Xpollens in “The Paytech Magazine”
May18

Exclusive: ‘Going to Xtremes’ – Fabrice Denèle, Xpollens in “The Paytech Magazine”

With a promise to deliver an ‘out of the box’ offer in 100 days, Natixis Payments’ startup Xpollens is the latest addition to a family of service providers that share the same impatient fintech DNA, says Fabrice Denèle, Senior VP of Strategy and Partnerships. Open banking promised greater integration of services and providers are drawing closer by the day. So much so that, with all the spinouts, fusions, acquisitions and strategic...

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Exclusive: ‘Do you want a receipt?’ – David Alexandre Salvail, Zeipt in “The Paytech Magazine”
May17

Exclusive: ‘Do you want a receipt?’ – David Alexandre Salvail, Zeipt in “The Paytech Magazine”

Pockets stuffed with receipts, but you can never find the one you want? Young entrepreneur David Alexandre Salvail co-founded Zeipt to offer businesses and consumers a tool that could make physical paper receipts a relic of the past. The good news is that their digital equivalents save time, money and the planet. When David Alexandre Salvail’s young fintech team went out to ask shoppers what they thought about paper receipts, the...

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Exclusive: ‘Keeping an open mind’ – Georg Olav Ramstad & Paul Walvik-Joynt, Nets in “The Paytech Magazine”
May16

Exclusive: ‘Keeping an open mind’ – Georg Olav Ramstad & Paul Walvik-Joynt, Nets in “The Paytech Magazine”

In the same way that Ikea revolutionised interiors, the Nordics’ financial services see open banking as a ‘flatpack moment’ for their industry. Georg Olav Ramstad, Nets’ Head of Sales and Business Development for Open Banking, and Paul Walvik-Joynt, Senior Vice President of Payments International, discuss what it is about the Nordics that makes them so good at knocking digital pegs into the right holes. It’s been with us for more than...

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Exclusive: ‘How to build a bank, Norwegian style’ – Kjetil Sørtun, Sparebanken Vest in “The Paytech Magazine”
May15

Exclusive: ‘How to build a bank, Norwegian style’ – Kjetil Sørtun, Sparebanken Vest in “The Paytech Magazine”

Kjetil Sørtun, Head of Banking Services at Sparebanken Vest, describes its journey from legacy institution to mobile trailblazer and banking as a service provider. Norway’s third largest savings bank has moved out of its comfort zone – and its geography – in the last couple of years. Launching first Buffer, an invoice financing solution for small businesses in 2018, and then mobile-only Bulder Bank for retail customers last year,...

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Exclusive: ‘Ratchet it up!’ – Stephen Walsh. Sensedia in “The Paytech Magazine”
May14

Exclusive: ‘Ratchet it up!’ – Stephen Walsh. Sensedia in “The Paytech Magazine”

The open banking toolbox is being left on the shelf, says Stephen Walsh, Sensedia’s Director of Sales for EMEA. Beyond compliance, many banks still haven’t grasped its full potential. By failing to plan, you’re planning to fail – so said American founding father Benjamin Franklin. And, surely, when a bank commits to a new IT development there must be a good strategy behind it? Well, apparently not always when it comes to...

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Exclusive: ‘Staying one step ahead’ – Benoît Legrand, ING in “The Paytech Show”
May13

Exclusive: ‘Staying one step ahead’ – Benoît Legrand, ING in “The Paytech Show”

Benoît Legrand, CIO of ING and CEO of ING Ventures, discusses the Dutch bank’s strategy to keep it – and its customers – out in front. We’re used to the concept of a bank for millennials, but ING is the original millennial bank. Born during the internet boom of the 1990s it’s grown up during two decades of change and uncertainty, driven to stay one step ahead – too far ahead sometimes perhaps. Who remembers the payment wallet Yucom...

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Exclusive: ‘Dutch courage’ – Bart Leurs, Rabobank in “The Paytech Magazine”
May12

Exclusive: ‘Dutch courage’ – Bart Leurs, Rabobank in “The Paytech Magazine”

Rabobank was established in response to an agricultural revolution in the Netherlands. Now it’s focussed on meeting a financial one, says its Chief Digital Transformation Officer, Bart Leurs. ‘Fortune favours the brave‘ must be a mantra close to the heart of Bart Leurs. The man responsible for digital transformation at Dutch banking giant Rabobank knows only too well that courageous calls have to be made to stay ahead of an ever-more...

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Exclusive: ‘Retail’s in the detail’ – Hamza Khan, Suburbia in “The Paytech Magazine”
May11

Exclusive: ‘Retail’s in the detail’ – Hamza Khan, Suburbia in “The Paytech Magazine”

Suburbia is bucking the personal data trend and focussing on the product. Founder and CEO Hamza Khan explains the ‘alternative’ approach that’s driving retail revenue. If you try to avoid data analysts at a party, next time make an effort to seek them out. You might be surprised by what you learn – you might just meet Hamza Khan. Khan is the founder and chief executive of Dutch startup Suburbia, which is not a ‘data company that has...

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Exclusive: ‘ A card, captain, but not as we know it’ – Andy Ramsden, G+D in “The Paytech Magazine”
May10

Exclusive: ‘ A card, captain, but not as we know it’ – Andy Ramsden, G+D in “The Paytech Magazine”

G+D’s Andy Ramsden explains how the veteran security solutions provider strives to match the imagination of today’s financial services consumer. Challenger bank Monzo took 11 months to gain its first one million customers. Eight months later it had acquired its second million, and just four months after that – in September last year – its third. How? Well, lots of things go into the mix, but a trendy hot coral pink card that made...

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Exclusive: ‘An invisible force’ – Anders la Cour, Banking Circle in “The Paytech Magazine”
May09

Exclusive: ‘An invisible force’ – Anders la Cour, Banking Circle in “The Paytech Magazine”

Banking Circle Co-Founder and CEO Anders la Cour explains how the ‘silent infrastructure behind the curtain’ enables banks to offer global, streamlined and faster services to their SME clients. In September 2019, PayExpo recognised the individuals who had made the most significant contributions to the payments industry over the preceding 12 months. For the second year running, Banking Circle’s Anders la Cour took his place on the...

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Exclusive: ‘Meet the enabler’ – Jorge Madrigal, Belvo in “The Paytech Magazine”
May08

Exclusive: ‘Meet the enabler’ – Jorge Madrigal, Belvo in “The Paytech Magazine”

Belvo is one of a new and essential breed of tech player helping to enact an ambitious piece of payment transformation as Mexico transitions from a cash-based economy. Head of Business Development, Jorge Madrigal, talks us through it. At well under 40 per cent, Mexico’s dismal financial inclusion rate is a massive hurdle for the growth, digitisation and democratisation of its financial industry.  Add to that its largely cash-based...

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Exclusive: ‘Rewriting the loan book’ – Stefan Moller, Klar in “The Paytech Magazine”
May07

Exclusive: ‘Rewriting the loan book’ – Stefan Moller, Klar in “The Paytech Magazine”

Challenger Klar is using alternative data to help people access affordable credit in a country where most are forced to rely on non-licensed lenders. Co-founder and CEO Stefan Moller says it – and other fintechs like it – are changing behaviours and lives. Mexico is famously reliant on its cash – more than 80 per cent of transactions are settled that way. And the majority of loans similarly leave no trace in a society where only a...

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Exclusive: ‘Pay-taco! Mexico’s paytech feast’ – Tory Jackson, Galileo in “The Paytech Magazine”
May06

Exclusive: ‘Pay-taco! Mexico’s paytech feast’ – Tory Jackson, Galileo in “The Paytech Magazine”

Galileo’s Tory Jackson explains why Mexico, where cash remains king, is becoming fertile territory for homegrown fintech innovators When the localised lockdown ends, the streets of downtown Mexico City will erupt once more into a riot of Mariachi music, spice-laden aromas and boisterous bartering. On a normal day in a normal time, locals weave between Sombrero-sized pans overflowing with Mexico’s world-famous cuisine, sizzling and...

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Exclusive: ‘Staying ahead of the Curve’ – Shachar Bialick, Curve in “The Paytech Magazine”
May05

Exclusive: ‘Staying ahead of the Curve’ – Shachar Bialick, Curve in “The Paytech Magazine”

UK fintech Curve is defending its first-mover status by adding products and entering new markets as the ‘personal chief financial officer’ for millions of customers. Founder and CEO Shachar Bialick explains how the platform is transitioning It was the three years he served in the Israeli special forces that gave serial entrepreneur Shachar Bialick the determination needed to succeed in the business world. It’s been quite a career...

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Exclusive: ‘Making good’ – Norris Koppel, Monese in “The Paytech Magazine”
May04

Exclusive: ‘Making good’ – Norris Koppel, Monese in “The Paytech Magazine”

Monese’s fintech-for-good business model embraces customers that other banks consider ‘high risk’… and it’s thriving. Founder Norris Koppel – himself once one of the ‘excluded’ – explains how it works. Where millions of would-be customers faced rejection when trying to open basic bank accounts or securing credit in the UK,Norris Koppel, CEO and founder of Monese, saw potential.  The self-styled  ‘Uber of banking’, mobile-only...

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Exclusive: ‘Changing the game’ – Sarah Kocianski, 11:FS in “The Paytech Magazine”
May01

Exclusive: ‘Changing the game’ – Sarah Kocianski, 11:FS in “The Paytech Magazine”

11:FS Head of Research, Sarah Kocianski, looks at the likely impact of Visa’s acquisition of Plaid on the fintech itself, the payments network, and the wider industry. The middle of January saw a huge announcement that took many by surprise – Visa revealed it was acquiring Plaid, the San Francisco-based application programming interface (API) developer, for $5.3billion. At least, on one level, it was a surprise: it came with no...

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Exclusive: ‘ Getting the right ideas’ – fscom in “The Paytech Magazine”
May01

Exclusive: ‘ Getting the right ideas’ – fscom in “The Paytech Magazine”

Operational resilience has never been more important, and regulators are keen to prevent past mistakes being repeated. fscom’s Jamie Cooke, Alison Donnelly,  Tony Brown and Simon Whittaker offer timely advice.           COVID-19 is wreaking havoc on the world’s financial services, but they are also beset by another pandemic of problems for which there is also no panacea. As with the desperate search for a...

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Exclusive: ‘Eastern Promise’ – Chris Kiew-Smith, Financial Services Regulatory Authority in “The Paytech Magazine”
May01

Exclusive: ‘Eastern Promise’ – Chris Kiew-Smith, Financial Services Regulatory Authority in “The Paytech Magazine”

Low-cost global payments unicorn TransferWise is one of a number of fintech success stories to exploit the exciting opportunities emanating from the United Arab Emirates (UAE), which has set its sights on becoming the next financial services supercentre. The British-made paytech opened a new office in UAE capital city Abu Dhabi last October, attracted by the territory’s exceptional global payments demand, fuelled by a populace made up...

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Exclusive: ‘Fighting on the frontline of fraud’ – Rutherford Wilson, Trulioo in “The Paytech Magazine”
May01

Exclusive: ‘Fighting on the frontline of fraud’ – Rutherford Wilson, Trulioo in “The Paytech Magazine”

Trulioo’s new Director of Growth, Rutherford Wilson, on how the global regtech platform is supporting the identity verification process for regulated and non-regulated industries alike. Everyone should care about know your customer (KYC). Banks and other financial institutions have been wrestling with the problems of truly ‘knowing your customer’ for years – but what about the plethora of non-financial institutions and marketplaces...

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Exclusive: ‘Adapting to thrive’ – Lu Zurawski, ACI Worldwide in “The Paytech Magazine”
May01

Exclusive: ‘Adapting to thrive’ – Lu Zurawski, ACI Worldwide in “The Paytech Magazine”

With cashless and contactless becoming more important in the context of COVID-19, ACI Worldwide’s Lu Zurawski examines the evolving future of payments. When something of the magnitude of the COVID-19 outbreak sweeps the world, systems are forced to change, to adapt. Global crises, whether economic, military or biological, serve to expose society’s structural weak spots, which experts swiftly rally around to engineer future-proof...

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Exclusive: ‘Payments without frontiers’ – Mitch Trehan, Banking Circle in “The Paytech Magazine”
May01

Exclusive: ‘Payments without frontiers’ – Mitch Trehan, Banking Circle in “The Paytech Magazine”

With feet firmly on both sides of the English Channel, payments infrastructure provider Banking Circle is taking a leading role in promoting and defending the interests of the payments industry across the EU. Its UK Head of Compliance and Money Laundering Reporting Officer, Mitch Trehan, explores the regulatory options. With Brexit negotiations rocked off course in 2020 and the option still on the table to extend the transition period...

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Exclusive: ‘Solving the cross-border payments puzzle’ – Accuity and Apply Financial in “The Paytech Magazine”
Apr30

Exclusive: ‘Solving the cross-border payments puzzle’ – Accuity and Apply Financial in “The Paytech Magazine”

As the payments industry learned of financial data giant Accuity’s acquisition of payment validation specialist Apply Financial, we sat down with the architects of the deal – fellow entrepreneurs David White and Mark Bradbury – to explore how it came about and the benefits that will follow for their combined global customer base. In March 2020, it was  announced that financial data giant Accuity had acquired Apply Financial, a...

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The Paytech Magazine Issue 05
Apr30

The Paytech Magazine Issue 05

Many of the interviews for this issue were conducted when the world was a very different place… not that long ago! But if you look at our spine-tingler on our printed edition, “Life is 10 percent what happens to us, and 90 percent how we react to it.” So with that, we at Fintech Finance are very pleased to present, The Paytech Magazine! Payments as an industry has reacted to Covid-19 with imagination and fortitude,...

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Exclusive: ‘A question of choice’ – Santosh Tripathy, SmartStream in “The Paytech Magazine”
Apr29

Exclusive: ‘A question of choice’ – Santosh Tripathy, SmartStream in “The Paytech Magazine”

As the pandemic sends normality into freefall, many question the ability of cash to withstand such an epic shock. Ron Delnevo, Chairman of Cash and Card Consultants, and Santosh Tripathy, Practice Lead for Digital Payments with SmartStream, share their prognosis for payments. There are many things we don’t know about the long-term effects of COVID-19. The strain it will put on our 2,600 year-old relationship with cash is one of them....

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Exclusive: ‘Innovating to guarantee a future for cash’ – Ron Delnevo in “The Paytech Magazine”
Apr26

Exclusive: ‘Innovating to guarantee a future for cash’ – Ron Delnevo in “The Paytech Magazine”

Unprecedented restrictions on where and when people can shop has caused a dramatic fall in cash use in the UK.But that does not mean that cash is a spent force, says Ron Delnevo, Chairman of Cash and Card Consultants. On 2 March 2020, the Daily Telegraph guaranteed a very bad year for cash in the UK with its headline ‘Dirty banknotes may be spreading the coronavirus, WHO suggests’. In case you have been on another planet and only just...

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Exclusive: ‘Heavy lifting  and pirouetting:  The response to C19’ in “The Paytech Magazine”
Apr23

Exclusive: ‘Heavy lifting and pirouetting: The response to C19’ in “The Paytech Magazine”

No one was prepared for the health crisis that swept the world – nor the financial crisis that followed. But paytechs are proving part of the solution. We often talk in this magazine about agility – the new tech companies’ native instinct to sense change on the wind, adapt fast and implement quickly. Well, now they’ve been well and truly tested.  How they, and the wider financial services industry, have met the challenges of the...

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Exclusive: ‘Showing the love’ –  Norah Ikoh, Kuda Bank in “The Paytech Magazine”
Apr21

Exclusive: ‘Showing the love’ – Norah Ikoh, Kuda Bank in “The Paytech Magazine”

Nigeria’s first mobile-only bank has seen rapid growth as it embraces the unbanked and underbanked in a country where nothing usually comes for free. Kuda Bank’s Head of Client Relations Norah Ikoh reveals the beating heart of the nation’s generous fintech The best things in life are free…or so the song goes. And tens of thousands of Nigerian account holders with Kuda Bank would tend to agree. With ambitions to be ‘the Monzo of...

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The Paytech Magazine Issue 04
Oct25

The Paytech Magazine Issue 04

The latest edition of “The Paytech Magazine” is now live! In our latest edition of The Paytech Magazine, we are heading to Vegas baby! Not only that but we are solving the oldest issue in finance. SME Banking! We have incredible features from: Apply Financial’s Mark Bradbury cuts through the chaff keeps it real with Real-Time Payments Ricky Knox, CEO of Tandem Bank breaks down their ‘big jump’ Zac Cohen...

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The Paytech Magazine Issue 03
Jun11

The Paytech Magazine Issue 03

The latest edition of “The Paytech Magazine” is now live! Here is our Money20/20 edition of The Paytech Magazine, we have incredible features from our Payments Race around the world. Also, you can find: A massive Banking Circle segment on how they are solving the oldest issue in financial services Evelien Witlox, Global Head of Payments at ING shows us how instant cross border payments are a reality Content Director at...

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The Paytech Magazine Issue 02
Mar19

The Paytech Magazine Issue 02

The latest edition of The Paytech magazine is now live, with special guest editor Tony Craddock from the EPA Tsuyoshi Notani, Managing Director at JCB, Japan’s only payments network details how they are going to be making waves across the rest of the world. Tony Craddock of the EPA, is our guest editor for this edition and he sets out his wisdom on partnerships and how they will ultimately help protect customers from fraud....

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