Payments & More - Allyiz Show

Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

In this episode, Nico welcomes on guest Delphine Bos, who has 20 years of experience in marketing in the payment sector, shaping the visibility of some of the most well-known brands in the industry, such as Adyen, SafeCharge, Ingenico and GlobalCollect. Today we’ll discuss hot topics such as the Fintech movement in Amsterdam and discover Delphine’s best personal secrets.

As the conversation kicks off, Delphine tells the story of her involvement with the Adyen campaign that was displayed in Times Square. Then, she gives listeners her insight into creating a brand from scratch, which she says is like a personality. At the beginning of the journey, you must understand the psychology behind why the brand creators are passionate about what they’re doing and what they hope to achieve. You want to translate this spirit into a name and visual identity. With these major elements together, along with the content voice, the brand appears.

Next, Delphine discusses the three key elements of a successful company in the payment sector.

As a board member of French Tech in Amsterdam, Delphine often is on the forefront of new innovations. She notes the particularly relevant new movement Scale-Up Europe, launched by the French government. Then, she highlights a few companies which are hidden gems in the space of financial technologies.

Delphine’s biggest advice to companies when it comes to marketing is to keep it simple. Marketing is really all about connecting great products and services to great customers.

Finally, hear what initially drew her into the world of payment and her recommendations for those interested in joining the industry.

Timestamps

0:48 Nico introduces Delphine Bos

2:27 Delphine’s work with Adyen

4:14 Delphine explains the process of creating a brand

5:52 How Allyiz came to be

7:40 How to determine if you are punching the best content for your brand

16:24 The importance of payment methods communications with consumers

18:32 Aplauz, a new prepaid payment method

21:05 What is coming in the world of payments?

22:59 Is traditional banking at risk?

23:50 Hidden gems in technology

25:30 Golden minute

28:00 How Delphine came into the payment world

29:57 Closing word of advice

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Paul Smith, who has 20 years of experience working at Experian Credit Bureau and handling complex data projects. He has lived and worked in Asia for these 20 years and is now working with Allyiz as their data guru! We will have great takeaways from this episode with Paul, including the new trends in identification and what payment and fraud is like in Asia from his first-hand experience.

In this era of data and technology, Paul believes it is a race to address issues and retain customer interest. Companies who can’t keep up with such rapid pace will likely fall behind. Paul offers a few examples of companies who have successfully kept up with the pace during his experience working with marketplace providers. The integration of new tools, machine learning and AI technology in conjunction with the pace they were working at was phenomenal.

Next, Nico and Paul discuss the rapid market changes in the last 5 years. Paul sees drastic changes needed within the ecosystem. As consumers demand more from service providers, they need to take a higher level of responsibility in terms of how these services are delivered. Paul is a strong believer that consumers should be carrying their identity verification with them and using them as confirmation for service providers.

Looking at changes and recent capabilities that have been presented in recent years, Paul predicts that consumers will become increasingly responsible for verifying their own payments. Then, Paul shares his opinion on what is going wrong with fraud prevention, which typically operates one step ahead. Customer recognition is key and will only become more so as time goes on.

Paul also predicts that biometrics will increasingly have an important role to play in the next generation of solutions. We are already seeing its adoption in relatively simple transactions and usage with mobile phones. In Asia, its usage is practically universally accepted.

Tune in to hear the three types of data Paul would give a merchant if he owned all of the world’s consumer data.

Finally, Paul offers advice for anyone listening who is interested in joining the world of payment.

Timestamps

0:48 Guest Paul Smith introduced

2:50 Paul’s move to Asia

3:50 Praise for Paul

5:20 Why is it time to be on steroids in this era of data?

6:18 Paul highlights a few companies who have made effective use of time

7:30 Paul’s insight on the rapid market changes in the last 5 years

11:38 Paul’s prediction for the future of ID vs. transaction verification

13:10 What is going wrong in fraud prevention?

19:12 Customer recognition

20:10 New types of data

22:50 Golden minute

25:33 How Paul went from being a customs officer to a data specialist as Experian

31:40 Closing words and Paul’s advice

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Elodie Trichet, who has over 16 years of International Online Payment experience across all continents for B2C & B2B business, 10 of those years with Adyen. After 11 years in the Netherlands, she relocated to Singapore 6 years ago heading up Strategic Partnership & Market development for the region. She works closely with the tech giants and multinational companies assisting them in expanding their Ecommerce footprint across the globe and enter the more exotic markets as seamless as possible.

To begin, Nico asks Elodie to share her perspective regarding Asian consumer markets. She articulates some of the factors which vary from country to country, with the Philippines being an example of an economy heavily reliant on pawn shops and bartering goods to make payments. In Indonesia, she explains payments are often made at local convenience stores. Listen as Elodie explains how some of those cash-driven societies operate.

Marketplaces, especially in China, have become big and more Asian merchants are now creating online commerce profiles. Elodie speaks of the acceleration of various tech platforms in Asia and the benefits of such technology. They discuss the subsequent growth of QR payments.

They comment about the new generation of financial technologists, but because Southeast Asia is so regulated, Elodie believes it is difficult for them to emerge into the market. These regulations are fragmented but are slowly coming around in terms of data protection and how money is stored.

In the Golden Minute, Elodie would pitch a call to action for merchants moving into the Asian market as the President of all e-commerce merchants in the world. She would urge them to come to Asia and explore the markets by themselves, get to know their customers and build strong in-person relationships.

The episode draws to a close on a personal note. Elodie shares an instance in which she failed in her career when she first arrived in Asia.

Timestamps

0:38 - Elodie Trichet introduced

2:46 - How Elodie got started in the industry

4:00 - Elodie’s relocation to Singapore

4:45 - Praise for Elodie

5:30 - Discussing Asian consumers

7:30 - Is there concern in Asia over growing financial digitalization?

9:05 - Is commerce possible in Asia in just a market setting?

12:55 - Growth of QR Payments

14:00 - Discussing credit cards and private vs. public payment sectors

16:20 - New generation of FinTech

19:35 - Regulations in Asia

20:36 - Golden minute

24:28 - Elodie shares a career failure

27:15 - Closing words

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Son Nguyen, who has over 15 years of experience in the French payment market with companies such as Vente-Privée and Oney. Son has extensive expertise in the Market & Business field and is passionate about innovation and user experience. With a background in Technology & Solution, he is a highly recognized Payment and Fraud Expert in the industry. Son, Senior Associate at Allyiz, has held multiple strategic advisory and partnerships roles as well as been involved in regulatory workgroups and professional associations.

On today’s episode, Son share his insights on payments, fraud, e-commerce, and domestic players in France.

Listen how Nico and Son dive into the secrets of the French market, starting with a description of the French card-based e-commerce landscape. E-commerce in France is very strong and is continuously growing. They have been very adamant about being the creator of the Carte Bancaire (CB).

Son and Nico dig into the most popular initiatives in the country for alternative payment methods.

Then, they discuss the dark side of payments in France: fraud. Son recommends merchants entering France, to be protected to avoid fraud.

Tune in to hear what Son’s direct actions would be in the first 100 days as a French Regulator.

The episode draws to a close on a personal note. Son’s experience with a prestigious French culinary school, an instance in which he experienced a career failure and the lessons he learned as a result.

Timestamps:

0:38 - Son Nguyen introduced

2:32 - Son’s work with Vente-Privée and Oney

4:50 - Praise for Son

6:32 - France’s e-commerce landscape

8:46 - Biggest hurdle for foreign merchants dealing with France

12:13- Alternative payment methods emerging

16:23 - Charge only cards

18:10 - French payment technology

20:14 - Discussing fraud

23:13 - Golden minute

26:25 - Son’s experience with prestigious culinary school.

28:51 - Son shares a career failure

33:45 - Closing words

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Úna Dillon who has over 25 years of experience in payments. She is the current MD Europe and Vice President of Global Expansion & Advocacy at Merchant Risk Council, a unique global organization for e-commerce payments professionals. She was recently appointed to the European Commission Payment Systems Market Expert Group (PSMEG) to advise on regulatory policies on payments and payment fraud prevention. Here she brings the Voice of the Merchant to the European Payments Regulator’s table.

We will have great takeaways from Úna in this episode including the state of the payments sector, major concerns for stakeholders and the future of the payment industry. Úna is a person who likes to always keep her finger on the pulse and knowing what’s coming next.

Úna talks about MRC and its ability to facilitate non-competitive discussions around changes happening in the industry. Cost, user experience, revenue, changes, and regulations are amongst the common concerns of merchants. Consumer authentication is also a growing concern.

Then, Úna shares her predictions for the industry in the next 5 years. She believes data will continue in its value and present security concerns, consumer authentication will be huge, though payment regulation will be easier.

The conversation takes a more personal note as Úna shares her college experience and her first post-grad job at a bank in Dublin and her secret passion for classical singing.

Timestamps

0:48 - Úna Dillon introduced

2:10 - Úna welcomed on

3:16 - How Úna got started in the industry

4:05 - Explanation of MRC and their offerings

10:05 - Praise for Úna

11:18 - Úna’s time with the national debit card scheme in Ireland

15:35 - Biggest concerns of merchants right now

22:00 - Trends and new solutions emerging in the market

24:40 - Úna’s predictions for the industry in the next 5 years

27:11 - AI regulations and fraud prevention

29:08 - Golden minute

32:00 - Personal note

37:15 - Closing words and Úna’s advice

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Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Tune in to this episode of the Payments & More podcast with host Nico as he chats with payment professionals about their business journeys and lessons learned. Don’t miss out on the stories and perspectives they share that will shed light on what’s hot in the payment space.

Today’s guest is Catherine Tong, who has 20 years of experience in e-commerce risk and fraud, across multiple industries, from retail, airlines, travel to digital. She obtained a breadth of experience from different perspectives as a consultant, merchant and vendor at each of PwC, Tesco and Accertify.

Listen in to hear her opinion on Strong Customer Authentication (SCA). Catherine affirms SCA is a good thing. For issuers, she says it’s a competitive edge they can acquire to achieve “top of wallet” status. From a PSP perspective SCA ensures they’re passing along the right data and flags to optimize transactions being authorized. It also gives insight into the exemptions being applied.

Having been in the industry for the past 20 years, one of the things she’s seen changed is the balance of gender representations, but she says there is still room for improvement in diversity. Many women don’t feel like there are female mentors or role models readily available to them, which is why Catherine has engaged in networking groups, like European Women in Payments Network.

The episode draws to a close on a personal note when Catherine shares her story of meeting Richard Branson.

Timestamps

0:38 - Catherine Tong is introduced

1:30 - Catherine welcomed on

2:30 - Catherine discusses her early days at Tesco

6:50 - Nico asks Catherine her opinion on SCA

17:43 - What would Catherine say to merchants about SCA

19:45 - Women in payments. European Women in Payments Network (EWPN).

26:23 - Catherine shares a few personal anecdotes

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

In today’s episode, Peter Bayley joins the conversation. Peter has 30 years of experience in the payment industry and most recently joined the Allyiz team. After over three years at Santander, Peter spent nearly 20 years heading up the risk and fraud strategy for Visa. During his time at Visa, he held various roles as the Global Head of Ecosystem Risk Oversight and Strategy and also served as Visa’s Global Head of Fraud Strategy & Exec Director Ecosystem Risk, Europe. Additionally, Peter has been named to the Global Board of Directors for the Merchant Risk Council in 2014, a global forum for e-commerce fraud and payments professionals.

The conversation starts with Peter’s views on acquisitions, payment methods, and recommendations to de-risk the payment business. Nico and Peter also discuss the importance of liability, risk, and motivation. Find out about opti-mizing the relationships of those involved with the fraud and chargebacks being incurred.

Learn about a proactive strategy and how systems are diversifying and becoming more sophisticated. They chat about security related acquisitions and acquisition “bubbles”.

Where is the future going with schemes? Is there a plan for a European system?

Peter shares his ideas on the effectiveness of the plans already in place and how there would need to be a considera-ble uniqueness to whatever people may present for it to take root.

Find out the three things he says people need to consider—from understanding how the system works, to having data feeds and relevant info, and the agility to do something about the recognized problems.

And don’t miss out on the importance of looking at your data!

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Timestamps:

0:47 Guest Peter introduced

1:47 Peter welcomed on

4:04 Praise for Peter

5:38 Key principals to de-risk the payment system

8:35 Where is the trend going?

13:48 Top 3 merchant questions

17:15 What’s the end game?

22:00 The “bubble” in acquisitions

23:35 Diversifying and alternative payment methods

30:00 A European plan?

32:08 Golden Minute

36:40 Failure and lesson learned

40:35 Peter’s dream present

42:55 One word to the industry: data

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Check out the full episode notes at www.allyiz.com

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

In this episode, Nico chats with Rossini about how to deal with payments in complex markets, why having the payment function and finances is not a bad idea, and how to manage multiple stakeholder relationships in payments.

Learn about the often-forgotten side of the costs of payment until margins are considered, and how this is dependent on whether payments are considered from a financial or sales perspective.

Rossini shares her experience managing multiple payment providers and what her journey to creating such a large organization looked like. She chats about how there were millions of transactions being processed daily and how she considered them to be a revenue center, rather than a cost center. She goes on to talk about Symantec’s cost structure and the 2-billion-dollar figure she dealt with.

As a payment provider, she’s seen it all. Listen to Rossini’s opinion about the shape of the market today as she considers the past and looks forward to the future. She sees innovation with payment providers to ease merchant connection, but the challenge is their lack of attention to merchants.

In wrapping up this episode, Nico finds out what Rossini sees as the “game-changer” for the industry in 2021 with the mindset shift towards offering payments that consumers prefer.

Timestamps:

0:48 Guest introduced

1:33 Rossini welcomed

4:10 Minute of praise and her time at Symantec

9:03 Call from Norton

13:23 Multiple payment providers

17:22 Symantec and cost structure

21:05 Optimal set up and her move

24:42 The shape of the market

27:15 Emerging markets, convenience, and pay later

30:50 Game-changer for 2021

32:59 Golden minute

34:32 Personal questions

39:17 Final reminder

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Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Mark Walick. Mark has been working in the online payments industry for over 20 years. As the head of payments product for GSI Commerce, Mark focused on enabling payments, mitigating risk and managing chargebacks for some of the most notable brands in the world. The second half of his tenure has been at Apple and Google, building world class fraud mitigation solutions and products to address the much larger issue of false declines. Born and raised on the east coast, Mark lives in sunny California

In this episode, Mark shares his views on data fraud prevention and AI orchestration.

He explains his position concerning outsourcing and the importance to have commitment for data sciences but also for tools and adjustments.

Mark discusses the rising artificial intelligence and strategy behind tracing the dollar to see who is benefitting from the cash flow. He emphasizes his concern for this becoming a for-profit situation when it should not be.

Find out more about his time at Apple and how this was a challenging transition both personally and professionally!

Finally, Mark leaves the listeners with these final words: look at your data.

Timestamps:

0:49 Mark introduced

1:32 Welcome Mark

3:00 Praises for Mark

3:49 Is he still learning?

4:37 Issues despite data available

6:05 Position on outsourcing

7:58 Chargeback warranty companies

10:40 Latest technology

13:50 Concern for profiting from this

16:35 Golden Minute

20:27 Acceptance optimization

25:45 When did he fail?

28:10 Look at your data

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Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Diarmuid Considine (aka Consi), award-winning and internationally recognised Fraud and Risk Management Thought Leader and Subject Matter Expert with two decades of strategic and operational experience. From the front line of fraud investigations all the way up to the Global Board of the Merchant Risk Council, Consi brings a passion and perspective on Profitable risk management that is always topical and relevant.

Listen in to hear how to position payment and fraud as a profit center in your company, find out his opinion of fraud solution market and hear about his call to action for the industry.

Find out how Consi was incentivized to come up with profiling and analytics to generate revenue that would have otherwise been blocked after his team had effectively reduced costs but had missed the target for revenue generation.

How many people a company should have working on fraud and payment internally? Tune in to find out Consi’s point of view.

Moving the focus to technology, he also chats about what catches his attention with considering the life cycle of a transaction.

Finally, listen to Consi’s perspective on the opportunity that exists to connect the merchants and issuers.

Timestamps:

0:47 Consi introduced

1:28 Consi welcomed on

3:44 Moment of praise for Consi

4:25 Fraud prevention as a profit center

7:40 Minimum of workers internally?

9:58 Will there always be fraud?

12:26 Fraud solutions necessary to preserve margins

13:30 Technology that is catching his eye

19:44 Document centric ID proofing

21:29 Schemes and alternative methods in the payment ecosystem

23:52 Golden Minute

26:58 Story of time in Bolivia

28:35 Last words

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