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.

In this episode, we discuss the purpose of the European Payments Stakeholders Group (EPSG) with its chairman Torbjörn Furubjelke. We cover the role it played in harmonizing European card payments (when it was still called ECSG), and how it is now expanding this to mobile instant payments to allow consumers an easy and fair choice between all the options for making retail payments in ecommerce and at physical point of sales (POS) - together often called the point of interaction (POI).

In this episode, we explore the complexities of interoperability in European payments, comparing greenfield solutions versus combining and leveraging existing infrastructure. We cover technical, legal, and commercial challenges, and the current status of payments interoperability in Europe.

In this episode, we have a lively discussion about the state of payments in Europe, focusing on the balance between infrastructure and service innovation. We explore cultural perspectives, the role of fintechs, and the impact of regulation on the development of payment solutions. The conversation highlights the need for a shift towards user-oriented services and the challenges of creating a single market in Europe.