In this episode, we discuss payments in the Nordics with Ville Sointu, Chief Strategist, Transaction Banking at Nordea. The Nordics are traditionally ahead of other regions and we discover why that is and what we can learn from their innovations in relation to retail payments, blockchain projects, open banking, electronic identity, and the digital euro.

Fintech Daydreaming Podcast: https://fintechdaydreaming.com/

The Payments Trilogue Website: https://thepaymentstrilogue.com/

In this episode, Charles Damen, Non-Executive Director of the UK Payments Initiative, explains this new venture, and we discuss its impact on open banking and the future of payments in Europe. Discover how the UK's open banking approach is shaping the industry, the regulatory enforcement and competition policy behind it, what it changes for merchants and retail payments, and what European payments sovereignty can learn from it.

In this episode, we host Lars Hupel, Chief Evangelist at Giesecke+Devrient, to discuss the realities and myths of blockchain, DLT and smart contract technologies in finance. We explore programmability, consensus mechanisms, legal limitations, offline CBDC and the future of digital currencies.

In this episode, we discuss the success of the Girocard in Germany with Matthias Hönisch, Head of Card Business Department at BVR, and how it will fit into the future of European payment schemes, especially in relation to Wero and the digital euro. We also explore local schemes more generally, as well as standardization efforts such as CPACE, and strategic visions for payment sovereignty.

In this episode, Olivier Denecker, a former McKinsey payments expert, shares insights on Europe's payment innovations, regulatory impacts, and the future of European payment systems. With what he calls the good, the bad and the ugly, we explore Europe's strengths, challenges, and the path to creating a competitive, sovereign payment landscape.

This episode features Ortwin Scheja, who is the Lead Architect of the Berlin Group and a leading expert in open banking and API standards. We are discussing the evolution of premium APIs, open finance, and the future of banking standards in Europe. Gain insights into the differences between compliance and premium APIs, and how standardization can drive innovation and reduce costs.

In this episode, we host Wijnand Machielse from Berlin Group to discuss the evolution of open banking standards and premium APIs, the challenges of harmonization across Europe, and their future in relation to open finance, digital euro, and AI in payments.

In this episode, we host Chris Jones, MD of PSE Consulting, to discuss the prospects of agentic commerce, its practical implications, consumer and merchant readiness, regulatory challenges, and the evolving role of AI and liability in payment transactions.

In this episode, we host Mathilde Bonneau and Matti Salakari from PayPal to discuss their current position in the European payments ecosystem. We cover regulation, digital innovation, and global competitiveness, and we also explore their view on European payments sovereignty, PSD3/PSR, fraud prevention, and how to make wallet-based account-to-account (A2A) payments successful at the physical point of sale (POS).

In this episode, Ezequiel Canestrari, COO of ClearBank Europe explains the role of infrastructure banks, the impact of SEPA Instant payments, and their strategic move into stablecoins and cross-border payments. We discuss how fintechs can profit from working with sponsor banks, and the future of embedded banking in Europe.