In this special edition of @PaytechTalk, recorded live at Money20/20 Amsterdam, host @Jan Jaap Omvlee (@Banking & Finance) sits down with @Tom van der Poel, CEO of @XPP, to explore the future of personalised payments.

From defining what “personalisation” really means today to discussing real-time data, omnichannel integration, and privacy ethics, Tom shares deep insights on building seamless, intuitive payment experiences across sectors like transport, retail, and banking. He also reflects on cultural differences in Europe, regulatory challenges, and why Europe must push for a more unified payments infrastructure—while looking abroad for inspiration (hello, #Turkey!).