We talk to Enfuce, award-winning issuer, issuer processor and program manager, who saw the potential of the cloud early to capitalise on speed and scale whilst not compromising accuracy. Co-founder Monika Liikamaa explains the 'levelling up' ethos behind Enfuce, from ‘making it count’ to ‘everyone giving a damn.’ We upack how virtual cards will evolve into objects that become their own payment facilitator, the importance of the card rails or ‘motorway’ and leveraging these foundations that are already built, critical for the facilitation of money around the world.

With real-time transactions reshaping the customer experience, it’s crucial for FIs to adopt the right technology partner to help meet evolving demands. In this episode with The Clearing House, we explore the impact of instant payments and highlight our new co-authored report that helps FIs find their perfect solution provider.

We speak with @Elena Casal, Chief Client Officer, at The Clearing House, who shares insights from the report, Understanding Instant Payment Solution Providers. Elena discusses how the report can help FIs decide on a provider to successfully leverage instant payments, improve customer satisfaction, streamline processes and stay competitive in an increasingly real-time world. 

Catch the full conversation to learn how instant payments can drive innovation and create value for both banks and customers alike!

Download the full report here: Understanding Instant Payment Solution Providers

When you look at total customer value it’s clear that merchant services is important, it’s a driver of deposits and everything else that drives a bank. That’s why keeping merchants sticky is increasingly important. How do you give your merchants the best experience and keep them happy and with you? That’s where Paydock comes in, a leading payment orchestration platform, that delivers the competitive features that merchants want and the ability for the bank to cross-sell through the whole bank proposition. We talk to @Rob Lincolne, Founder & CEO of Paydock, as he explains how the main financial institution for a merchant is shifting from where you put your deposits to who handles your payments.   

In this episode of PaymentTalks, host Scott Harkey sits down with Justin Gregory, Head of Technology, Payment, Fraud, and Tax at ASOS, the globally recognized fashion brand. They dive deep into the dynamics of online marketplaces, discussing how they’re adapting to meet the demands of an ever-expanding array of payment solutions that today’s consumers want to use. Learn how seamless payment integration is key to enhancing customer experience, driving growth, and building a successful marketplace.

Tune in to discover the future of payments in e-commerce!

We’re seeing a shift in B2B cross-border payments as we move away from purchase decisions purely based on price to ones based on experience. Scott is joined by Will Marwick CEO of IFX Payments to unpack the latest in cross-border payments. And if anyone knows customer experience it’s fintechs. As Will explains, fintechs like IFX Payments, are positioning themselves as partners with their B2B customers to help give competitive advantage with cash flow. Something well worth paying a premium for.

The last few years has seen an explosion in FX as the euro has impacted the dominance of the dollar. Scott is joined by John Min, VP and Chief Economist at Monex, as they discuss the phenomenal and growing size of the FX market, how fintechs are taking market share from banks and how B2B requires a much better quality service and execution. As John explains, fintechs have pivoted to partnering with banks to give them the agility they need. There’s also a nod to what’s coming, Cloud + AI, we can expect radical change and a real risk banks will be left behind. Insurance Unlimited

Open banking is sweeping the globe, what can we learn from other markets more advanced with regulation? We ask Ilia Dragan, Chief Product Officer, Salt Edge, the award-winning open banking services provider and a new Endava ecosystem partner, what lessons can be learnt from Saudi Arabia. The big banks driving the market there aren’t just interested in ticking the regulation box, they see the advantages of selling in other product and services when they’re set up for open banking.

AI and machine learning (ML) have been an important part of payments for some time but we’re entering a growth phase for merchants. We ask Matthieu Barral, Head of Commercial UK, Checkout.com, if its cost reduction or efficiency that’s driving this and what statistical impacts are merchants experiencing. Is AI overhyped and what other tech trends are driving new revenue opportunities? What could be a surprising twist in payments?

Consider the possibility of business owners accessing payment deals from the entire PSP market and applying online round-the-clock, 365 days a year. This is the visionary concept being developed by our guest, Sebastian Wood, Founder, and Director of AcceptPayments.com, through an innovative online comparison marketplace. How do such marketplaces transform the relationship between merchants and PSPs? Could this redefine how businesses seek out their PSPs? And what role will digitalizing onboarding and AI play in this transformative journey?