Patrick Desmares

First roundtable of the conference about security of payments organized today in Banque de France headquarters in Paris with Clément Bourgeois, Angela Dupont Florent Grosmaitre Guillaume Dabosville and Olivier Lantran. ✔️IT evolutions linked with quantum and crypto will impact all the organizations... ✔️... Hence the necessity to create more robust and secure solutions in finance and payments #payments #innovation #security 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

17

Denis Beau opens the conference dedicated to the works of the French "Observatoire de la sécurité des moyens de paiement" (OSMP) in Banque de France headquarters in Paris. ✔️OSMP was created in 2001 with 3 missions : 1- Monitoring of the measures linked with security of payments 2- Creating figures and reports about fraud in payments 3 - Following the technical trends ✔️Diversity is a key asset for OSMP : the organization has 47 members (users/professionals of payments/public authorities) ✔️One of the key challenges of OSMP today is the evolution of the collaborative way to address these security issues, for instance with a growing integration of telcos in the works and debates #payments #security #innovation 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

13

The ambition of #SICInstantPayments Is crystal clear: empower #financialinstitutions to process #instantpayments 24/7, enhancing efficiency and minimizing #settlementrisk. Yet, the journey to adoption isn't as straightforward for many #banks. This blog by Bottomline unpacks these challenges and addresses key concerns for Phase 2 of SIC IP implementation by 2026. Thanks to BCV - Banque Cantonale Vaudoise , SIX , t'charta for the insights. Make sure you watch the webinar recording too - SIC Instant Payments – Lessons Learned for Phase 2 Implementation - #SICIP #InstantPayments #Realtimepayments #ISO20022 #PaymentsVerification #Switzerland #Payments

6

Olivier Pinot presents the strategy of BPCE Payment Services in the field of #softPOS during the event organized by Cartes Bancaires CB Among the key ideas : ✔️Since 2015, BPCE is interested in the evolution of payment terminals : the "Dilizi" initiative testifies to this strategy ✔️BPCE was among the first banks in France to launch Apple Pay, and launched very early the Android terminals ✔️The solution "Tap to Pay" in iPhone is dedicated to small merchants who don't have the possibility to use mPOS solutions anymore 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

95

4 commentaires

🔃 Enhancing payments in the European Union: the impact of the instant payments regulation. Our experts Enric Comabasosa-i-Esqué and Marc Mouton share their insights on the topic as the authors of the article. 📖 Access the publication here > https://lnkd.in/eE9bZstf 🏢 Learn more about our Banking & Financial Services > https://lnkd.in/dQWjmGf #Luxembourg #banking #financialservices #finance #instantpayments #instantspaymentsinEU

32

2 commentaires

After the recent release of our new SEPA Direct Debit Course, it is now time for an overview of our Master SEPA Credit Transfer Payments course. 🔎 It offers an in-depth understanding of SEPA Credit Transfers (SCT), providing essential knowledge beyond what's found in SCT rulebooks and implementation guidelines. Designed for professionals aiming to excel in domestic payments and SEPA Credit Transfer, this course equips you with unique insights and practical tips. Key Areas Covered:   ● Introduction to SEPA Payments: Understand the SEPA payment schemes, key initiatives, and the Four Corner Model. ● SCT Scheme Documents: Learn about the EPC documents, end parties in the SCT Four Corner Model, and SEPA Payment Service Providers. ● Clearing and Settlement: Explore SCT-compliant clearing systems, types of processing cycles, and connections to clearing and settlement mechanisms. ● Payment Messages: Gain mastery over SEPA message structures, names, and their links to ISO 20022 in both customer-to-bank and interbank spaces. ● Payment Processing Value Chain: Delve into acquisition, reporting, order management, and payment exchange with a focus on security, encryption, and protocols like EBICS and SWIFTNet. Designed For: Business Analysts, Software Developers, Treasurers, Project Managers, and anyone involved in the payments industry. Whether you're new to the field or looking to deepen your expertise, this course provides the foundational and advanced knowledge needed to thrive. Understanding SEPA Credit Transfers is crucial in today’s banking, finance, and fintech sectors. With the rise of instant payment transactions and the importance of standardized payment processes, mastering SCT is essential for ensuring efficient and compliant financial operations. Equip yourself with the skills to excel and stay ahead in this dynamic industry. Advance your career in the payments domain by enrolling today. For more details and to register, visit our website or contact us!

18

1 commentaire

⬇ 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

20

💡 Last week European Payments Council published third version of Mobile Initiated Sepa (Instant) Credit Transfer and Interoperability Guidance. Below is few highlights from the guidance SEPA Instant Credit Transfers are gaining traction within the SEPA framework, with mobile channels anticipated to play a crucial role in their adoption. Retailers being increasingly interested in SCT-based payments for both in-store transactions and mobile commerce, viewing them as a complement to traditional card payments. Several European countries have already launched various solutions in this area, reflecting the growing momentum for instant payments. Mobile Initiated SEPA (Instant) Credit Transfers (MSCTs) represent a modern approach to digital payments, allowing users to initiate instant credit transfers directly from their mobile devices. 💡 MSCT Transaction Mechanics MSCTs encompass both SCT Inst (SEPA Credit Transfer Instant) and SCT (SEPA Credit Transfer) transactions initiated through mobile devices. These transactions utilize existing payment infrastructures in the inter-PSP (Payment Service Provider) space, focusing on interactions beyond this space, such as between the payer's mobile device and the point of interaction (POI). 💡 Modes of MSCT Transactions There are two primary modes of MSCT transactions based on how payment initiation data is exchanged: 💡 Payee-Presented Data: In this mode, the payee provides necessary data to the payer, either through direct presentation or prior sharing (e.g., P2P payments). This method is widely adopted for various payment contexts, particularly P2P and consumer-to-business (C2B) payments at physical points of sale (POI), often using QR codes. 💡 Payer-Presented Data: Here, the payer provides their identification data to the payee, which can be shared through proximity technology or manually entered. This mode is appealing for businesses wanting to offer enhanced customer experiences but faces challenges such as the need for compatible POI terminals and security concerns regarding data generation. The standardization of QR codes for interoperable SCT Inst payments is currently in the final approval stage by the European Committee for Standardization (CEN). 👉 Click here to read the complete guidance: https://lnkd.in/dyAiPbSz

15

Worldline Signs Agreement with Banque Raiffeisen for Cloud-Based Instant Payments Processing in Luxembourg Sheri Brandon ✅, CMO Financial Services at Worldline says: “The announcement of this further agreement between Worldline and Banque Raiffeisen is significant, as it represents our first cloud-based instant payments client in Luxembourg. Through our offering, Banque Raiffeisen will benefit from a comprehensive instant payments solution and a fast time to market that provides added value. We look forward to working more closely with Banque Raiffeisen in new and exciting ways.” https://lnkd.in/eEcFNjQk Eric Peyer #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

2

🔍 Our expert, Claude Hirtzig, head of retail banking at Spuerkeess, discusses the pros and cons of having accounts at different banks. Advantages include access to varied services tailored to your needs and a lower risk if one bank faces difficulties. However, managing multiple accounts can be time-consuming and expensive due to maintenance and transaction fees. For more insights, check out the full article on [your] Luxembourg! #FinanceTips #Banking #AskTheExpert

2

The Payments Association EU released their latest white paper, "Key Players in the EU Payments Landscape 2024". A few key takeaways about Bancontact Payconiq Company and the Belgian payment landscape: 💳 Bancontact is the most popular 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. 📲 The popularity of Payconiq comes from its ability to meet the expectations of Belgian consumers as a fast, secure means of payment via a user-friendly app. Payconiq by Bancontact app was used by 2 million Belgians in 2023 to make a mobile payment, and if we add those who used a banking app integrating Bancontact and/or Payconiq, we are talking about several million Belgians. Download the full report here: https://lnkd.in/dVYy5rTP

35

Second roundtable of the conference about security of payments organized by Banque de France in Paris with Tran Huynh, Alain Martin Romain Santini and Olivier Vandenbilcke. ✔️Digital identity is a key aspect of security of payments ✔️One of the key texts about this innovation is "e-IDAS", with a variety of strategies in Europe and the necessity to work about interoperability... ✔️... But the situation is evolving : digital identity is becoming a key service... ✔️... As a result, it is necessary to boost it and to create a pan-European framework. ✔️"e-iDAS 2" : the new text that will foster a EU digital identity wallet #Payments #innovation #security 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

17

Payment processing remains more than ever at the heart of the #BNPParibas European strategy for offering digitalized journey, value added services to retail & corporate customers and marchants.

73

2 commentaires

Last Friday I had the pleasure to present the new French retail payments strategy 2025-2030, drawn up by the Comité national des moyens de paiement (CNMP), which I chair alongside Thierry Laborde and Florence Segurel. The French payments ecosystem is decided to remain as a key driver of the success of the European retail payments strategy, as fostered by the European Central Bank and the European Commission (Ulrich Bindseil Eric Ducoulombier); 🌍 In an increasingly competitive and uncertain world, defending the freedom of choice of secure, inclusive and sustainable #MeansOfPayment for everyone, consumers and professionals alike, is of outmost importance for our country. While supporting the modernisation of everyday payments, our new strategy aims to ensure French and European autonomy in the digital age, through explicit support for the SEPA ecosystem (European Payments Council (EPC)), the Cartes Bancaires CB card payment scheme and the new European wero payment solution (EPICompany). 📢 “With this new national payments strategy, what is at stake is the efficient functioning and the future of retail payments, a domain that is essential to our personal lives and our collective independence. Its success depends on all of us, professionals and citizens alike.” 🎯The new French retail payments strategy 2025-2030, below: https://lnkd.in/ewFQ2r9x 📽️ Watch the video presenting the strategy below:  

119

1 commentaire

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

23

2 commentaires

🚨 New SEPA Regulations: Is Your Financial Institution Ready? With major changes coming to the Single Euro Payments Area (SEPA), it’s crucial to stay ahead. From Instant Payment Regulation to new rulebooks for 2025, these updates will impact how you handle cross-border payments across Europe. Want to know how your institution can adapt and thrive? Don’t miss this essential guide by Alejandro Torio and our Marketing Team, breaking down everything you need to know to stay compliant—and competitive. ➡️ Click here to dive in and prepare for the future of payments!

61

💡 We, together with Electronic Money Association and European FinTech Association, as the European digital payments industry, have jointly drafted a letter to the European Commission to express our concerns over the unintended consequences of applying EU Regulation 2023/1542 - on batteries and waste batteries - to points of sale hardware (POS).   We are dedicated to collaborating on sustainable solutions that balance environmental goals and the unique challenges of the digital #payments sector.   Read the full position paper below 👇   #paymentseurope #digitaltransformation #EUregulation

1

Don’t miss Simone Suriano, Sales & Business Development Officer for Banking and Payments at #Thales, in the #PayVolution panel today at 4pm, discussing the future of instant #payments in Europe! With new EU Regulation in effect, this session will cover: ✅ Key regulatory updates ✅ Implementation progress ✅ Challenges and opportunities ahead Join us to learn more about the next steps for instant payments in Europe! 🤝

35

🔍 Transforming the Financial Sector: The EU Digital Identity Wallet 🔍 The EU Digital Identity Wallet is set to revolutionize the financial sector, and banks are uniquely positioned to provide trusted identity wallets. To succeed, banks need to start preparing. Missed our live webinar? Don't worry! You can now watch the Nets-hosted session where top industry experts Kristian T. Sørensen, Oscar Santolalla and Viky Manaila explore the transformative impact of the EUDI Wallet on European financial institutions and discuss how banks can prepare for these changes. 👉 Watch the webinar recording here: https://lnkd.in/dcCJ537A #EUDIWallet #EUDIframework #DigitalIdentity #eIDSolutions #eIDAS2.0

29