Frédéric Tardy

💥 𝗕𝗶𝗴 𝗦𝗵𝗮𝗸𝗲-𝗨𝗽 𝗮𝘁 𝗪𝗼𝗿𝗹𝗱𝗹𝗶𝗻𝗲! 💥 Worldline CEO Gilles Grapinet is stepping down amidst a 𝘁𝗵𝗶𝗿𝗱 𝗽𝗿𝗼𝗳𝗶𝘁 𝘄𝗮𝗿𝗻𝗶𝗻𝗴 in just one year, sending shares plummeting to a record low 📉💸. Investors, who once flocked to payments firms like Worldline during the pandemic, are now frustrated by repeated cuts to financial targets. Deputy CEO Marc-Henri Desportes will step in as interim CEO, with hopes of reigniting organic growth 🌱🚀. Meanwhile, 𝗰𝗼𝘀𝘁-𝘀𝗮𝘃𝗶𝗻𝗴 𝗺𝗲𝗮𝘀𝘂𝗿𝗲𝘀 are being ramped up as the company faces challenges in the Pacific and other markets 🌊. 📉 Shares were down 18.5% on Friday, more than 𝟵𝟬% 𝗹𝗲𝘀𝘀 𝗳𝗿𝗼𝗺 𝗶𝘁𝘀 𝗵𝗶𝗴𝗵 in July 2021! Hedge funds may be profiting from the plunge, as rumors of a possible hostile takeover swirl 🕵️‍♂️. #Worldline #LeadershipChange #PaymentsIndustry #FinTech #ProfitWarning #BusinessNews #Investors #SharesPlunge

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Join us, for two incredible Fintech events in Paris this June! 1️⃣ Fintech Meetings Day June 10th 📍 Palais Brongniart . 2️⃣ Paris Finance Forum June 11th 📍 Pavillon Gabriel Network with industry leaders and discover the latest trends and innovations in fintech and finance. See you there! #Fintech #Finance #Innovation #Networking #Paris #capitalMarket

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The cash flow challenges faced by small to medium-sized farms present a significant opportunity for the integration of digital payments and embedded finance. 💡 Read the article from my colleague Alfredo Dellepiane: https://lnkd.in/e-WyNth7

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Great summary of the #atomico report from our friend Maxime Paradis Yes, the European VC industry has grown fantastically over the last decade, greatly helped also by EU initiatives such as #eif funding. And yes, there is a good understanding of what needs to be done across Europe to further unify the rules and to boost the European capital supply and its allocation to VC. And yes, interestingly, there is already some talk about how to finally entice European institutional investors. So fingers crossed for all of us…

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Anticipating our annual conference "Payments Tomorrow" in Paris on October 10 https://bit.ly/PayT_1024 ⬇ Today, let's dive into the #Payments ecosystem in #France from our latest insight, "Key Players in the EU Payments Landscape 2024": https://lnkd.in/dVYy5rTP Home to renowned corporates as well as disruptive paytech start-ups, the French payments sector has been thriving over the last years… 💳 GIE Cartes Bancaires is the preferred local card scheme with more than 65% of daily consumption being paid with a CB card, making CB a market leader. More than 95% of French cards are Carte Bancaire co-branded with Visa or Mastercard. 🌐 As for e-wallets, the mix includes local players like Paylib, Lydia, and Lyf Pay, alongside global brands such as PayPal, ApplePay, and GoogleWallet. These digital wallets account for 27% of e-commerce transaction values. Worth noting that EPI Company (European Payments Initiative) is set to launch 'wero,' its new digital wallet in Sept or Oct 24 🏦 The French banking sector, the largest in the EU, is led by giants such as BNP Paribas,Groupe Crédit Agricole , Crédit Mutuel, Societe Generale, and La Banque Postale, all major issuers of CB cards and drivers of payment innovation. 📶 The principal regulated payment Institutions in France are Worldline, Lyra, Hipay and Payplug. Other major players in the country include Checkout.com, Adyen and Mangopay. Open Banking and Open Finance are gaining popularity more broadly in France. Powens Group, @Bridge , Linxo, and Fintecture are four companies enabling open banking and open finance. 🌟 France is home to many leading BaaS and core banking providers: Sopra Banking Software, Skaleet, Treezor, Xpollens, Okali, eZyness , and Swan. The Payments Association EU is proud to work with many important players in the French payments landscape, including IDEMIA, Up Coop, Sopra Banking Software, Paytweak Universal Payment Services, Arkéa Banking Services, Groupe BPCE and Skaleet. Key Takeaway💡: “France is among the largest payment markets in Continental Europe. Its payment landscape is notably characterized by a well-established cashless system and a vibrant e-commerce sector, alongside a …” Want to read the full “Expert Opinion” from Deloitte professionals Alexandre Havard and Ménaïs Bruant-Solska on the French payment landscape? Download the report here: https://lnkd.in/dVYy5rTP

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Check out The Connector. podcast where Jean-Gabriel, CEO of EXTHAND, explains the unique aspects of their open banking product. This platform not only connects to banks but allows developers to integrate banking data securely through their own systems, enhancing both privacy and control. A fascinating insight into the power of modern financial tools. Listen to the full podcast here: https://lnkd.in/gPAffajg #BankingTechnology #DataSecurity

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💥 Linkup annonces a 3M€ funding round to plug LLMs to high-quality content.    Much like the music industry before Spotify, AI applications today face hurdles in accessing quality content. In the early 2000s, people often turned to platforms like Pirate Bay to download music, but that came with legal risks, poor sound quality, and artists missing out on fair compensation. Similarly, today many AI tools depend on existing web frameworks like search engines and web scraping to collect information.   However, as the AI landscape evolves, these methods are proving less efficient and raising new concerns around legal compliance and fair use of copyrighted content.   Linkup aims to solve this problem by taking a new approach with premium content providers with both a legal and ethical consideration.   Delighted to support this top-notch team Philippe Mizrahi, Denis Charrier, Boris Toledano alongside Seedcamp, Motier Ventures, Kima Ventures OPRTRS CLUB and amazing BAs ! cc Sia Houchangnia, Nicolas Essayan, Christophe Raynaud, Noé Gersanois, Chloe Timsit, Alix François-Poncet, Axeleo Capital (AXC)

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"How can we position startups and innovation at the heart of Europe." 🔜 Looking fwd to a cool discussion around how we can speed up the launch, growth, and funding of amazing ideas and entrepreneurs. See you there! Maybe we can explore topics such as: 1. What are the current and upcoming challenges facing startups in Europe? 2. How can we strengthen the support (eco)system across countries? 3. What role do government policies play in fostering innovation and entrepreneurship in Europe/Belgium ? 4. How can we attract more talent & investment ? 5. What are the key components of a successful startup ecosystem, and how can they be replicated across Europe? 🙋🏽 Maybe more ? Thanks to the La French Tech Brussels / La French Tech team for the invitation. 🔥 #Startups #Innovation #Europe #Success

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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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#Payments News: EPI's Wero Goes Live in France, Expanding Digital Payments Across Europe 🇪🇺 🌐 The European Payments Initiative (EPI) has taken another major step in its expansion, launching its Wero digital wallet and instant account-to-account payments solution across France. 🇫🇷 Leading French banks Groupe BPCE, Crédit Agricole, and Crédit Mutuel Alliance Fédérale have already deployed Wero through their banking apps, with BNP Paribas, Crédit Mutuel Arkéa, Société Générale, and La Banque Postale set to follow soon. With Wero, customers can easily complete person-to-person (P2P) transactions using just a phone number or email address. 📲 Building on the success of Paylib, which has 35 million users, Wero is set to introduce even more functionalities in 2025, including QR code payments, money requests, and buy now, pay later options. 🇩🇪 The launch in France follows Wero’s debut in Germany earlier this year, with cross-border payments now available between the two nations. Belgium, Luxembourg, and the Netherlands are next on the roadmap. 💭 What are your thoughts on Wero’s expansion and its potential impact on European digital payments? #DigitalPayments #Wero #EPI #BankingInnovation #FinancialServices #EuropeanPayments

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Transforming Financial Landscapes: Europe's Leading Fintech Banks to share my latest article on the rise of fintech banks in Europe! From revolutionizing business banking for SMEs and freelancers to offering innovative solutions for everyday consumers, these digital-first institutions are reshaping the way we manage finances. Dive into the details of how banks like Revolut, N26, Monzo, Wise, and many more are leading the charge in providing seamless, tech-driven financial services. Explore the full article to learn about: - The unique offerings of top business-focused fintech banks like Holvi, Qonto, and Penta. - How consumer-oriented banks like Revolut and Lydia are making financial management more accessible. - The innovative features that set these banks apart from traditional institutions. Check out the vibrant collage showcasing these fintech powerhouses and get inspired by the future of banking! #Fintech #DigitalBanking #Innovation #Finance #SMEs #Entrepreneurship #TechTrends #BusinessBanking #ConsumerBanking

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How is the digital euro an attractive solution for European merchants? 🌍 "Currently, in Europe, merchants are largely dependent on a handful of payment methods dominating the market, which often come from non-European providers." 🌍 "64% of card transactions in the eurozone are processed through international cards." 🌍 "This costs European merchants a significant amount of money. Every year, they collectively pay substantial sums to international card payment systems like Visa or Mastercard." 💶 A digital euro would help reduce costs for merchants by "lowering the fees associated with card transactions." 🤝 "Enhanced negotiation power: With the digital euro, merchants will be better positioned to negotiate with payment service providers for more favorable terms." An interesting speech by piero cipollone, Member of the Executive Board of the European Central Bank, on the need to launch a digital euro. #payment #euro #commerce European Central Bank EuroCommerce

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⬇ Today we’ll have a special focus on the #Payments ecosystem in #Belgium 🇧🇪 from our white paper, "Key Players in the EU Payments Landscape 2024": https://lnkd.in/dVYy5rTP 💳 Originated under the ownership of major Belgian banks, Bancontact Payconiq Company is the preferred online payment method, with millions of cards in circulation and more than 150.000 average daily transactions. In fact, there are more Bancontact cards than there are Belgian residents 🚶‍♂️. Other key players include Visa, Mastercard, and American Express. 🌐 Belgium is home to a few cross-border payment and peer-to-peer services, including Wise, WorldRemit, MoneyGram International and Moneytrans. 📈 Digital wallets are on the rise. PayPal is among the leaders in Belgium’s digital wallet market, alongside other international companies such as Apple Pay and Google Wallet. 🚀 Even though there is a debt aversion and a strong Bancontact culture in Belgium, it is worth mentioning that the Buy Now, Pay Later (BNPL) market continues to grow, with Klarna being an important player in this field. 🏦 The banking sector in Belgium features a variety of players active across different market segments, led by four major banks: BNP Paribas Fortis, KBC Bank & Verzekering, Belfius, and ING Belgium. 📶 In the realm of payment processing, Worldline dominates, handling a vast majority of transactions. Isabel Group and Axepta BNP Paribas Benelux are following closely, with the latter making significant strides in payment service provision after acquiring parts of Ingenico's in-store activities in Belgium. Belgium is also home to the following prestigious members EPI Company Paynovate FTI Consulting FinFlag and NextGen Payment. Key Takeway💡: “The Belgian payment landscape is rapidly moving towards a cashless society supported, among other by a regulatory requirement that every merchant must accept electronic payments. Nonetheless, cash remains an impact factor of society and …” Want to read the full “Expert Opinion” from Deloitte professionals Michal Zavodny and Yannick Putzeys on the Belgian payment landscape? Download the report here: https://lnkd.in/dVYy5rTP

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Renan LE BOT introduces the event organized by Cartes Bancaires CB in Paris about #softPOS. Among the key ideas : ✔️France is leader of card in Europe (27% of card payments in Europe) ✔️This tool will remain a strong instrument in France, even if we see a growing competition (a prevision of growth until 2030) ✔️CB : 14 billion of payments, 77 million of cards, 7 billion of contactless payments and 2 billion of e-commerce payments in 2023... ✔️... CB represents 2/3 of expenses of French people and 20% of card payments in Europe PARTELYA CONSULTING European Women Payments Network (EWPN) AEFI Asociación Española de FinTech e InsurTech CLUB ITALIE-FRANCE AFTE Finance Mag The PAYTECH Book Portuguese Women in Tech Merchant Payments Ecosystem

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In Adyen headquarters in Paris for a conference dedicated to #payments and #retail organized by MERCATEL and Adyen Among the key ideas : ✔️Development of electronic payments ✔️Contactless represents 6/10 transactions in-store, and mobile payments 10% of in-store payments ✔️6% of instant payments in France : towards an increase thanks to Wero, for instance ✔️According to a study realized by MERCATEL about the uses of payments in retail, there is a strong decrease of cash and checks and a development of card payments in French stores ✔️Before PSD2, fraud in e-commerce transactions was 20 times higher than fraud in payment in-store ✔️In 4 years, fraud in e-commerce payment declined about more or less 50% thanks to PSD2 and SCA but it is necessary to pay attention to the new forms of fraud (manipulation of clients, identity theft...) Karine Coutinho Charlotte PAGOT Anne-Charlotte Hubert Lionel JOUVE Loïc Marin 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

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Navigating sustainable solutions can often feel complex and overwhelming for SMEs, especially for those taking their first steps into this space. In the White Paper ‘SMEs and sustainability: Identifying challenges, opportunities and solutions,’ Mastercard explores the challenges that SMEs across Europe face when it comes to engaging in sustainable business practices, and identifies the solutions that Mastercard and financial institutions can offer together to support their evolving needs. https://lnkd.in/gvM6h5Ku #SmallandMediumEnterprises #ESG #Europe

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Lately, with the economy facing challenges, our main focus has become financial consultancy and support loans. While researching, I came across this video. I highly recommend watching this mobile app that digitizes your consumer loans. Check it out and let me know your thoughts!FINSO Holding Limited #parisfintechforum #finance #FinancialConsultancy #SupportLoans #ConsumerLoans #DigitalFinance #Fintech #MobileApp #EconomicChallenges #FinancialSolutions #TechInFinance #MoneyManagement https://lnkd.in/dHieFAwm

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Our Q3 results have given us a moment to pause and recalibrate. While we face challenges, our core strength and the Power24 initiative ensure we are set for an optimized start to 2025.   After a decade of growth, it's time to streamline and focus on what truly matters.   #Strategy #Growth #Rebound #refocus

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