In this episode, the hosts discuss the use of Payment Initiation Services (PIS) at the Point of Sale (POS), based on the European Retail Payments Framework (ERPF), a market initiative of the European Third Party Providers Association (ETPPA). They explore the European payment strategy, the role of open banking, and the challenges faced in implementing PIS in physical retail environments. The conversation highlights the importance of creating a framework for PIS providers, the need for collaboration among various stakeholders, and the significance of enhancing the consumer and merchant experience in payment processes.

In this episode of the Payments Trilogue, the hosts interview Martina Weimert, the CEO of the European Payments Initiative (EPI), which has just been launching WERO their new payments wallet. They are discussing the challenges and opportunities in the European payments landscape and they explore the fragmentation of payment solutions, the integration of the digital euro, the role of fintechs, and the importance of winning consumer trust across diverse markets. The conversation also touches on the political dynamics in Germany and the future of payment solutions in Europe, emphasizing the need for collaboration and innovation to compete with global players.

This episode of the Payments Trilogue hosts Chris Pirkner, CEO of Bluecode and Chairman of EMPSA, the European Mobile Payment Systems Association, to discuss the evolving landscape of payment systems in Europe. The conversation covers the complexities of instant payments, the importance and difficulties of collaboration among payment systems, and the challenges of pricing models in cross-border transactions. Pirkner emphasizes the significance of owning the customer journey in payments and the need for European sovereignty in payment solutions. The discussion also touches on the role of regulators, the potential impact of the Digital Euro, the EUID wallet, and the necessity of a coordinated approach to avoid fragmentation in the market.

This episode explores the evolution and future of account-to-account (A2A) payments, highlighting the success of iDEAL in the Netherlands, the challenges faced by banks, and the potential for A2A payments to become a dominant payment method in Europe. The discussion includes insights on the advantages of A2A payments over traditional card payments, the importance of payment certainty, and the need for a pan-European approach to A2A solutions.

In this episode, featuring special guest Dave Birch, the discussion revolves around the impact of AI on the banking and payments industry. The speakers explore how AI empowers customers, the strategic responses banks must adopt, the role of regulation, and the future of financial decision-making. They also delve into the importance of user interfaces and the potential threats posed by AI in fraud. The conversation highlights the transformative potential of AI while acknowledging the challenges and risks involved.

For this episode, the hosts invited an expert guest, Jan van Vonno, to discuss the EU Digital Identity Wallet (EUDIW), its implications for open banking, and the challenges of compliance and authentication. The panel shares insights on the potential benefits of a unified digital identity system across Europe specifically for the purpose of Strong Customer Authentication (SCA), while also addressing concerns about control, outsourcing, and the realities of implementation. The conversation highlights the importance of understanding the regulatory landscape and the need for banks and payment service providers to adapt to new requirements by 2027.

In this episode of the Payments Trialogue, Michael Salmony, Gijs Boudewijn, and Ralf Ohlhausen discuss the evolving landscape of open finance, focusing on the FIDA proposal and its implications for data access and collaboration within the financial industry. They explore the importance of customer-centric approaches, the distinction between data access and sharing, and the relevance of existing models like SPAA in fostering cooperation among industry players and minimising regulation. The conversation also addresses global trends in open finance, the challenges of fragmentation, and the need for coordinated efforts to ensure a harmonized approach across sectors.

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.