In this episode, we welcome Claus George to discuss the topic of Commercial Bank Money Tokens (CBMT), which is quite a revolutionary concept of using bank money with distributed ledger technology (DLT). We explore the implications for banks, corporates, and the future of financial transactions, comparing tokenized deposits with stablecoins and central bank digital currencies (CBDCs). The discussion highlights the challenges of standardization, the role of banks in a tokenized world, and the potential especially for B2B supply chain payments on corporate blockchains.
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33:23
TPT #15 PIS @ POS & ERPF
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.
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32:21
TPT #14 EPI & WERO
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.
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42:54
TPT #13 EMPSA
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.
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42:37
TPT #12 A2A
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.
The Payments Trilogue is a podcast of 3 seasoned payments professionals aiming to foster the European payments industry's stakeholder collaboration and self-regulation.
Michael Salmony, Gijs Boudewijn and Ralf Ohlhausen discuss current topics from their different perspectives.
A light-hearted, in-depth and sometimes controversial view on what is hot in payments and beyond.
Netherlands