Chloé Goldstein

In Paris Retail Week 2024, session about EPI Company with Laetitia DORLA Charlotte PAGOT amaury bentaieb and Pauline Cieutat. Among the key ideas : ✔️EPI Company is supported by 16 companies across Europe (14 EU banks and 2 IT leaders) ✔️After a development phase in 2023, launch of the wallet "Wero" in 2024... ✔️... That is based on local initiatives : Payconiq International and Ideal ✔️According to MERCATEL, Paylib is also a good basis to develop Wero in France ✔️Wero has been launched in Germany in July of 2024 => in France, the development will be done from September to December of 2024 ✔️In France, Wero will target P2P (today addressed by cash, checks and credit transfers), e-commerce (today addressed by cards and wallets) and in-store payments (today addressed by cards, wallets, cash and checks) ✔️Thus, the consumer of Wero wallet will be young, urban, digital native... from 18 to 50 years old PARTELYA CONSULTING European Women Payments Network (EWPN) AEFI Asociación Española de FinTech e InsurTech AFIP - FinTech and InsurTech Portugal CLUB ITALIE-FRANCE AFTE Finance Mag The PAYTECH Book Portuguese Women in Tech Merchant Payments Ecosystem COMEXPOSIUM MERCATEL

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Exciting news! Younited is on the 2024 #Fintech100 podium! 🥇1st Fintech in France in turnover 🥉3rd Fintech in France overall 🥉3rd consecutive year in the top 4 We are honored to be recognized in this latest report published by Truffle Capital, Finance Innovation, Groupe BPCE, and Sopra Steria ranking the top fintechs in France and very proud to be among the leading trio, alongside our friends Qonto and Ledger ! A heartfelt thank you to our customers and partners across Europe - your trust fuel our endless appetite to innovate and make banking services simpler and more accessible. 👉Check out the full report here: www.fintech100.fr #Fintech #Innovation #Younited 

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💡 Expert advice on optimizing your payment strategy 📊  As Jeremy Buffalon, Head of Business Development France at HiPay, points out: “In a more complicated market context, where maintaining high growth rates is becoming more difficult, we are observing three important challenges for merchants: - increasing the average shopping basket, - improving the conversion rate, - increasing the repurchase rate. At HiPay, our omnichannel payment solutions help optimize these three KPIs for augmented user experience and performance.” 💬 Today, customer satisfaction and loyalty indeed depend on a unified payment service, online 🌐 as well as in-store. 🛒 It’s therefore vital to opt without further delay for a scalable, modular offering to provide a flexible purchasing journey tailored to your reality, thanks to a diversity of scenarios and functionalities. 🙌 Ready to revolutionize your payments? 🚀 You can take our word for it and contact our experts to take your growth strategy to the next level with HiPay:  https://lnkd.in/e-mFUdcr #HiPay #AugmentedPayments #Expertise #Omnichannel #UnifiedCommerce #Growth

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How to choose the right generative AI Model ? AI is evolving faster than ever, and picking the right model for your business is key. But where do you even start? 🤔 Hub France IA just published a comprehensive guide to help organizations choose the best generative AI model. Here are the key things you need to consider: 🔒 Data Security – Can you trust your data with the provider? ⚖️ Legal Compliance – Will the model meet regulatory standards? ⚡ Performance – How does it compare on benchmarks? 🔧 Infrastructure – Does it integrate smoothly with your current systems? 💰 Business Model – Will the provider's pricing model scale with your business? 🛠️ Support – How reliable is the customer service? They also reviewed AI vendors like Google, Microsoft, OpenAI, Mistral, and Hugging Face to see how they stack up 📊. 🎧 Tune in to gain valuable insights and make informed decisions in this fast-changing landscape! P.S. Found this helpful? Repost to share with your network ♻️. Report : https://lnkd.in/eBMakuC7 Podcast from NotebookLM : https://lnkd.in/eHXFHHRY

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Inbound vs Outbound: The Pros and Cons of Each Marketing Approach #Markets #Economy #investing #money #bankingindustry #productivity #bestadvice #businessintelligence #Innovation #Management #Technology #Entrepreneurship #Startups #VentureCapital #Economics #strategy #business #artificialintelligence #socialentrepreneurs #Creativity #Futurism #SocialMedia #SocialNetworking #branding #advertisingandmarketing #bigdata #consultants

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If you don’t yet believe that fintech is one of the most exciting areas to work in right now, you will be by the end of our interview with Stephane D., CEO of Spendesk Financial Services. Whether from a personal or business viewpoint, opportunities abound. Why? Because, as Sherlock Holmes would say, the game is afoot. Inflation is coming down, regulations are pushing more open markets, and the old, slow way of working simply isn’t going to cut it anymore. There’s also the sense of a market that’s maturing. “I expect to see consolidation across the sector,” said Stephane. “I also anticipate new partnerships and alliances between traditional banks and fintech innovators through M&A.” In this interview, we cover the factors driving the changes – from regulation to AI – along with the sub-sectors within fintech that are likely to benefit the most. Or at least the most immediately. Plus, Stephane reveals the four fintech startups that he believes are set for a great year. So who is Stephane and why should you listen to him? Because he’s been working in the business transformation sector within banks for years – we’ll let his answer to the first question do the talking. https://lnkd.in/g8KpQrF5 Bonus: read until the end to learn why Stephane calls out JustiFi, Levr, Swoop and Mistral AI as companies to watch in the space.

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Circle 𝐑𝐞𝐜𝐞𝐢𝐯𝐞𝐬 𝐄𝐌𝐈 𝐋𝐢𝐜𝐞𝐧𝐬𝐞 𝐢𝐧 𝐅𝐫𝐚𝐧𝐜𝐞: 𝐖𝐡𝐚𝐭 𝐈𝐭 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐌𝐚𝐫𝐤𝐞𝐭 🌍 Circle has achieved a significant milestone by receiving an Electronic Money Institution (EMI) license in France, a crucial step for continuing its operations with USDC in Europe. Circle submitted its application for the license in March 2023, and the approval highlights the efficiency and attractiveness of the French regulatory environment (as they got pre-approval in December 2023). Why France? 🇫🇷 France stands out as a prime location for fintech and crypto companies for several reasons: 1️⃣ Dedicated Regulatory Manager: One of the unique advantages of France is the assignment of a dedicated regulatory manager from the French regulator (Autorité de Contrôle Prudentiel et de Résolution - ACPR) who works closely with your application. This personalized approach ensures smoother and more efficient communication. 2️⃣ Three-Month Response Time: France offers a clear and relatively quick response time of three months for license applications. 3️⃣ Passporting Benefits: With the EMI license, Circle can now leverage passporting rights to offer its services across the entire European Union. Signals to the Market 📈 🔹 Regulatory Confidence: Receiving an EMI license in France demonstrates regulatory confidence in Circle's operations and compliance framework. It sets a precedent for other fintech and crypto companies considering France as a base. 🔹 Market Expansion: With this license and passporting rights, Circle can now expand its services across the European Union, leveraging the benefits of the EU’s single market. 🔹 Alignment with MiCA: France's proactive regulatory environment aligns well with the upcoming Markets in Crypto-Assets (MiCA) regulation, which aims to harmonize crypto regulations across Europe. This alignment provides a stable and predictable regulatory landscape for businesses. France isn't the only attractive jurisdiction in Europe for payment services and crypto companies. Other attractive locations include: - Switzerland: Offers a friendly regulatory environment and is home to the Crypto Valley. - Estonia: Known for its digital-forward approach and efficient e-residency program. Lithuania: Emerging as a fintech hub with a streamlined licensing process. HOWEVER, I personally find Baltic regulators as unpredictable. Each of these jurisdictions offers unique advantages, and the implementation of MiCA will further harmonize regulations, making Europe an even more attractive destination for fintech and crypto businesses. What are your thoughts on Circle's choice of France and the broader European regulatory landscape? Which jurisdictions do you find most attractive for fintech and crypto companies? Share your insights in the comments below! 👇 #Fintech #Crypto #EMI #France #MiCA #Regulation #Circle #Blockchain #Compliance #USDC

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Calling all #retailers! #Payment 💳 is an essential step along your carefully crafted customer journey. How to ace it? Worldpay has just issued a report that is definitely worth your attention. So, what are the takeaways? Let me sum it up for you: 🎯 - First, you need to refine the basics: how to proritise shopper convenience by giving them choice in how to pay, how to optimise your PSP/Acquirer setup for improved autorization rates and lower transaction costs... The usual, but that quest for marginal gains never ends -remember, this is a volume game, hence the impact can be significant! - But this report will also uncover lesser know and more surprising elements: learn about how to make your shoppers feel good by exploring faster payouts for return process or elevating the in-store experience! Thanks Phillis Acker for sharing! #customerjourney #performance #paymentacquiring #PSP #omnichannel

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HYBRID, our 1st social data & consumer insights event in collaboration with Saas Advisor - Marketing Technologists is around the corner! These are the dates, in case you missed them: 📅 23.04.2024 - Online Webinar Series (English) 📅 24.04.2024 - In-person event at the Hub Institute, Paris (French) - Live streaming It’s time to reveal our stellar lineup for next week so you know the treat you're in for… Drumroll, please! 🥁🥁🥁 🔵 DAY 1 🔵 💻 𝗔𝗜 𝘃𝘀. 𝗔𝗜, 𝗧𝗵𝗲 𝗗𝗶𝘀𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗪𝗮𝗿 🎙️ David Bar-Aharon, VP New Business Cyabra 💻 𝗩𝗶𝘀𝘂𝗮𝗹 𝗔𝗱 𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴 𝗔𝗰𝗿𝗼𝘀𝘀 𝗣𝗹𝗮𝘁𝗳𝗼𝗿𝗺𝘀 🎙️ Ari Jonsson, COO Videntifier 💻 𝗟𝗲𝘃𝗲𝗿𝗮𝗴𝗶𝗻𝗴 𝗔𝗜 𝘁𝗼 𝗠𝗮𝗸𝗲 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿-𝗙𝗼𝗰𝘂𝘀𝗲𝗱 𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 🎙️ Sogyel Lhungay, VP of Insights Yogi 💻 𝗕𝗲𝘆𝗼𝗻𝗱 𝗦𝗼𝗰𝗶𝗮𝗹 𝗗𝗮𝘁𝗮: 𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗔𝗜 𝘁𝗼 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 🎙️ Miroslav Dimitrov, CEO NWO.ai 💻 𝗛𝗼𝘄 𝘁𝗼 𝗨𝘀𝗲 𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝘃𝗲 𝗔𝗜 𝗧𝗼 𝗖𝗿𝗲𝗮𝘁𝗲 𝗘𝗻𝗴𝗮𝗴𝗶𝗻𝗴 𝗦𝗼𝗰𝗶𝗮𝗹 𝗠𝗲𝗱𝗶𝗮 𝗖𝗼𝗻𝘁𝗲𝗻𝘁 🎙️ Tudor Mihailescu, CEO SoSha 💻 𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗧𝗿𝘂𝘀𝘁𝗲𝗱 𝗔𝗜-𝗽𝗼𝘄𝗲𝗿𝗲𝗱 𝗠𝗲𝗮𝘀𝘂𝗿𝗲𝗺𝗲𝗻𝘁 𝘁𝗼 𝗦𝗼𝗰𝗶𝗮𝗹 𝗟𝗶𝘀𝘁𝗲𝗻𝗶𝗻𝗴 𝗗𝗮𝘁𝗮 🎙️ Ben Sigerson, VP of Solutions Converseon 🔵 DAY 2 🔵 Vendor-Led Workshops 👥 𝗘-𝘀𝗽𝗼𝗿𝘁 𝗲𝘁 𝗝𝗲𝘂𝘅 𝗢𝗹𝘆𝗺𝗽𝗶𝗾𝘂𝗲𝘀 𝗮𝘂 𝗽𝗿𝗶𝘀𝗺𝗲 𝗱𝗲 𝗹’𝗔𝘂𝗱𝗶𝗲𝗻𝗰𝗲 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 🎙️ Grégoire Garrel, Country Director Audiense 👥 𝗟𝗲𝘀 𝗱𝗼𝗻𝗻𝗲́𝗲𝘀 𝗵𝘆𝗯𝗿𝗶𝗱𝗲𝘀 𝗰𝗼𝗺𝗺𝗲 𝗹𝗲𝘃𝗶𝗲𝗿 𝗱'𝗶𝗱𝗲𝗻𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗱𝗲𝘀 𝘁𝗲𝗻𝗱𝗮𝗻𝗰𝗲𝘀 𝗰𝗼𝗻𝘀𝗼𝗺𝗺𝗮𝘁𝗲𝘂𝗿𝘀 𝗲𝘁 𝗰𝗼𝗺𝗺𝗲 𝗼𝘂𝘁𝗶𝗹 𝘀𝘁𝗿𝗮𝘁𝗲́𝗴𝗶𝗾𝘂𝗲 🎙️ Juliette Modolo, Insights Manager GWI 👥 𝗦𝗲𝗮𝗿𝗰𝗵 𝗹𝗶𝘀𝘁𝗲𝗻𝗶𝗻𝗴: 𝗟𝗮 𝗻𝗼𝘂𝘃𝗲𝗹𝗹𝗲 𝗰𝗹𝗲́ 𝗽𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗿𝗲𝗻𝗱𝗿𝗲 𝗹𝗲𝘀 𝗮𝘀𝗽𝗶𝗿𝗮𝘁𝗶𝗼𝗻𝘀 𝗱𝗲𝘀 𝗰𝗼𝗻𝘀𝗼𝗺𝗺𝗮𝘁𝗲𝘂𝗿𝘀 🎙️ Matthieu Danielou, CEO Trajaan 👥 𝗟𝗲𝘀 𝗰𝗹𝗲́𝘀 𝗽𝗼𝘂𝗿 𝗺𝗲𝘀𝘂𝗿𝗲𝗿 𝗹𝗲 𝗥𝗢𝗜 𝗱𝗲𝘀 𝗿𝗲́𝘀𝗲𝗮𝘂𝘅 𝗦𝗼𝗰𝗶𝗮𝘂𝘅 𝗲𝗻 𝟮𝟬𝟮𝟰 🎙️ Emeric Ernoult, CEO Agorapulse 👥 𝗟𝗮 𝘀𝗼𝗰𝗶𝗮𝗹 𝗱𝗮𝘁𝗮 𝗮𝘂 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗱𝗲 𝗹'𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻: 𝗰𝗼𝗺𝗽𝗿𝗲𝗻𝗱𝗿𝗲 𝗹𝗲𝘀 𝗰𝗼𝗻𝘀𝗼𝗺𝗺𝗮𝘁𝗲𝘂𝗿𝘀 𝗱𝗮𝗻𝘀 𝗹𝗲𝘂𝗿 𝗾𝘂𝗼𝘁𝗶𝗱𝗶𝗲𝗻 🎙️ Anne-Laure Fulidis, Enterprise Client Success Executive Meltwater Round Tables 👥 𝗟𝗮 𝘀𝗼𝗰𝗶𝗮𝗹 𝗱𝗮𝘁𝗮 𝗮𝘂 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗱𝗲 𝗹𝗮 𝗳𝗮𝗻 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 🎙️ Alexis Raccah, GMr France Meltwater Antoine BURTIN, Research & Insights Analyst Paris Saint-Germain Jonathann Mingoia, Chief of Solutions Audiense Quentin Gressien, CEO The Metrics Factory 👥 𝗛𝘆𝗯𝗿𝗶𝗱 𝗗𝗮𝘁𝗮 𝗼𝘂 𝗛𝘆𝗯𝗿𝗶𝗱 𝗜𝗻𝘀𝗶𝗴𝗵𝘁𝘀 ? 🎙️ Clement Brygier, CEO Digital Insighters Grégoire Garrel, Country Director Audiense Laurent Laforge, VP Customer Success EMEA Talkwalker Sandrine M., Head of Social Intelligence - Moët Hennessy If you still haven’t reserved your spot yet… what are you waiting for? Join us whilst registrations are still open 👉 https://bit.ly/4aXaLLh

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🚀 Super new blog post about the partnership between Smeetz and Adyen: The perfect combination for seamless payments in the leisure industry 🎢 Kudos to the teams 👏 who contributed to this joint success Morgan Siffert, Liza Tripet, Jorge Lopes, Sami Chiadmi, Edouard Coiraton and Daniel L.. Smeetz and Adyen have joined forces ! With a modern payment platform and a unified SaaS solution, leisure venues can now centralize their transactions and provide a seamless payment experience. Discover how this collaboration is transforming the leisure industry! 🚀

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MyMonty Europe has just launched its neobanking app, with a mission to tackle financial exclusion across Europe, targeting unbanked and underserved communities. 📱 💳 Learn how this innovative platform aims to reshape financial services, empowering low-income individuals, immigrants, and entrepreneurs. Discover more about their ambitious goals for the European market! 🔗 Click here to read the full article and explore MyMonty’s game-changing vision: https://lnkd.in/dvx-N4Ey

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"With NFTs linked to blockchain wallets, the connection between businesses and clients becomes secure, lasting and direct" JOIN is paving the way for many use cases, such as digital identity, asset tokenization, and autonomous agents, which will more than ever need a digital wallet (Already, more than 12% of all secured flows on gnosischain come from AI agents). JOIN is a non-custodial, regulatory-compliant wallet that integrates the latest security standards, creating a simple and intuitive solution for everyone, even beginners. Smart wallets are the backbone of the next digital revolution.

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Numeral is humbled to be featured in Finance Innovation’s Palmarès Fintech100 2024! Every year, this study reports the macro trends of the fintech industry in France and establishes a list of its top 100 companies based on business performance. This year, Finance Innovation, Truffle Capital, Groupe BPCE, Sopra Banking Software, Sopra Steria, and mind Research’s highlighted trends include: 🇪🇺 A growing internationalisation, especially towards EU countries ⚖ An ever-increasing impact of regulations on the industry Being both subject to but also drivers of these trends, we couldn’t be happier to be featured! Indeed, we are committed to supporting companies across Europe in expanding across Europe and helping financial institutions get ready for significant upcoming changes such as instant payments and verification for payees. And finally, fintech is a teamwork. Happy to be featured alongside our dear customers Swile, Spendesk, Alma, and Garantme. We’re looking forward to many more. Find the report in the comments 👇

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🎙️ Advisor & Investor of Klarity. Discover who is Michel Brancaléoni ⬇️ - Can you tell us about yourself and your background ? « As a serial entrepreneur, since 1996 I have created or helped to launch native tech companies, which have transformed the landscape of insurance industry such as Assuronline, NetVox Assurances, AssurOne, Add Value - Assurances digitales and UTWIN Assurances, operating mainly as MGA. Today, I am chairman of ADn solutions, which offers an end-to-end SaaS platform. As an investor, board advisor or partner, I've been involved in severeal Insurtech companies from their inception, such as Leocare, Seyna, Mieux Assuré, Coverity ... »   - What is your vision of the transformation of the insurance world ? « I've been in this « world» for more than four decades, and I'm struck by how slowly it has been changing. There's a lot of commercial offers, but very little focus on customers’ requirements, despite the fact that majority of organizations build customer-centric image. Now, with the acceleration of service-oriented technologies, transformation is no longer an option. We're living in exciting times, which will require incuments to become agile again ».   - What is your role within Klarity and what attracts you to the project ? « First of all, I was delighted to meet Ying Liang, Klarity’s founder, her highly unusual view of the market and the “K’larity of her vision. Her analogies and certainties convinced me that there was opportunity for such an innovative venture. Innovative in its technology, innovative in its product offerings and in way of go-to-market. The first steps of Klarity have approved its business model, and I would strongly advise insurers to look at Klarity’s model. As a Board Advisor, I'm pleased by my contribution to the development of Klarity ». #insurtech #innovation #technology #execution #insurance

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In this 11 min episode we spoke with Jean-Baptiste KALOYA - Head of Product Design at Bpifrance. J.B. shares valuable insights into the strategic role of design in enhancing user experiences, driving efficiency, and creating impactful solutions at Bpifrance, a bank dedicated to empowering entrepreneurs! Check it out! #entrepreneurship #ux #uxresearch #productdesign

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Exciting news ! Younited is on the "Fintech 100" podium, which has just been released ! 🥇1st Fintech in France in turnover 🥉3rd Fintech in France overall (4 criteria, including turnover) 🥉3rd consecutive year in the top 4 We are honored to be recognized in this latest report published by Truffle Capital, Finance Innovation, Groupe BPCE, and Sopra Steria ranking the top fintechs in France and very proud to be leading the fintech landscape alongside our friends at Qonto and Ledger ! A big thank you to our customers and partners across Europe - your trust and collaboration fuel our continued innovation and success. Check out the full report here: www.fintech100.fr #Fintech #Innovation #Younited #Sopra Banking Software

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[The Future of Money 💶 ] To grant students access to a fast-growing tech sector that offers a range of attractive opportunities for the leaders and innovators of tomorrow, Worldline, a global leader in payment services, HEC Paris, number 1 business school in Europe along with its foundation (HEC Foundation), joined forces in 2023 to explore the future of payments. 📈 📚 This certificate course aims at establishing the future of money, payments and digital assets as a core element of academic education. Through the program, students have access to Worldline executives who share their industry experience, as well as with senior leaders from affiliated business partners and clients. A cornerstone of the certificate is a landmark case study in which students work directly with industry professionals on real-world business challenges. ▶ why is this certificate relevant? ▶ what does the certificate offer? Find out in the video below! 👇 #FutureOfMoney #FinTech #DigitalPayments #HECParis #Worldline #Education #TechInEducation #BusinessEducation #DigitalAssets #CareerGrowth

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