In this Christmas episode of the Payments Trilogue, hosts Michael, Ralf, and Gijs discuss their Santa wish lists for the payments industry, focusing on regulatory improvements. They explore the implications of upcoming regulations like Instant Payments incl. VOP, PSD3/PSR, FIDA, eIDAS 2.0 and the need for better APIs, as well as the strategic importance of initiatives like SPAA and the digital euro. The conversation also touches on the challenges of cash acceptance and the need for innovative thinking to leapfrog existing solutions in the payments landscape.

In this episode of the Payments Trilogue, Michael Salmony, Gijs Boudewijn, and Ralf Ohlhausen discuss the SEPA Payment Account Access (SPAA) initiative, a collaborative effort between banks and third-party providers (TPPs) to create a new payment scheme in Europe. They explore the origins of SPAA, its development, the challenges faced in implementation, and the current status of the initiative. The conversation also touches on competing initiatives like the European Payments Initiative (EPI) and giroAPI, emphasizing the importance of collaboration and harmonization in the evolving landscape of open banking.

In this episode of the Payments Trilogue, Michael, Gijs, and Ralf discuss the evolving landscape of fraud in the payments industry. They explore the challenges posed by increasingly sophisticated fraud tactics, the importance of cross-sector collaboration in combating fraud, the role of technology and regulation, and the implications of AI in both facilitating and preventing fraud. The conversation highlights the need for a comprehensive approach to fraud prevention that includes data sharing, regulatory support, and technological innovation.

In this episode of The Payments Trilogue, the hosts discuss the evolution of payment regulations in Europe, focusing on the transition from PSD2 to PSD3 and PSR. They explore the challenges faced by Payment Initiation Service Providers (PISPs) and Account Information Service Providers (AISPs), the importance of collaboration over regulation, and the need for better governance and competition in the payment services landscape. The conversation also delves into the technical aspects of APIs, liability concerns, and the future of payments regulation, emphasizing the necessity for industry cooperation to create effective solutions.

In this episode of The Payments Trilogue, Michael Salmony, Ralf Ohlhausen, and Gijs Boudewijn discuss the evolution and significance of instant payments in Europe. They explore the regulatory landscape, the impact on FinTech, and the challenges and opportunities in B2B payments. The conversation highlights the need for collaboration among stakeholders and the implications of new regulations on the payments industry. The episode concludes with reflections on the future of instant payments and the importance of working together for mutual benefit.

In this episode of the Payments Trilogue, the discussion revolves around the effectiveness of EU regulations, particularly in comparison to other global approaches. The speakers explore the balance between regulation and innovation, the impact of regulatory frameworks on market dynamics, and the importance of competition in fostering a healthy economic environment. They also delve into the complexities of the legislative process in the EU and conclude with reflections on the future of regulation and competition in the payments landscape.

In this episode of The Payments Trilogue, Gijs Boudewijn,