Paul HAJJAR

"Excited to see Payplug, Cartes Bancaires, and our partner PPRO coming together for this must-watch webinar! France is a unique payments market, and this session will definitely provide valuable insights on building a winning strategy. Don't miss it!"

24

#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

5

The payment evolution: why orchestration is becoming the new standard ! Here is what caught my attention after reading TNS and Flagship advisory partners' last report about payment orchestration and the evolving payment landscape ( US and Europe context ) : 🎯 The report specifically targets enterprise-level merchants facing : • Rising customer expectations for omnichannel experiences. • Proliferation of payment methods and technologies. • Increasing security risks and compliance requirements. • Need for global expansion capabilities. 🎯 The numbers are striking : • 76% of POS terminal-centric enterprise merchants now use orchestration services. • 81% of companies need orchestration specifically for in-person POS integration. • 31% of US payments now come from alternative payment methods. • 60% of enterprises using a third-party orchestration service are driven by the integration of software and PSP's. What's fascinating is how the #payment ecosystem has transformed. Remember when a single merchant bank could handle all our payment needs ? Those days are long gone. Today's merchants are juggling multiple payment methods, cross-border transactions, and complex regulatory requirements. Three key approaches are emerging ( according to the report ): 1. Traditional payment ecosystems ( flexible but complex ) 2. Full-service PSPs ( simple but limiting ). 3. Payment orchestration ( the best of both worlds). The most compelling insight ? Payment orchestration is becoming the go-to solution for enterprises looking to scale globally while maintaining operational efficiency . It's not just about processing payments anymore - it's about creating seamless customer experiences across all channels. What really struck me is how payment orchestration solves the age old problem of managing multiple vendors through a single API layer, while still maintaining the flexibility to choose best-in-class providers. How is your organization handling the increasing complexity of payment systems ? Are you considering payment orchestration ? #PaymentTech #FinTech #PaymentOrchestration #DigitalPayments #Innovation #RetailTech , Victor Yaromin , Neeraj Malhotra , Sam Boboev , Nicolas Pinto , David Jimenez Maireles , Bilal El Kouche , Paulo Stamm de Lima Sources 👉 https://lnkd.in/diPGY3Ri 👉https://lnkd.in/dz9AaUZH

27

💥 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

54

Investors were unimpressed by the Worldline H1 results as management blamed the economy and poor spring weather for slow growth in its merchant services division. The share price is down 90% since 2021. Looking ahead, new partnerships (such with Credit Agricole Payment Services) are expected to restore topline growth while cost-cutting, including shifting staff to low-cost countries, boosts profits. https://lnkd.in/d7BHT3V7

32

Come join us for great insights on how to optimize your #paymentperformance for #frenchmarket with Alexandre POUTARAUD, Therese Vallerius Hudak and myslef ! Great session on payment localization and France market specifics, contact me for more details. #MRC, #payment, #localization

7

Last week, the European Payments Initiative (EPI) announced the expansion of Wero into the French market. This is a major development for payments in Europe as Wero represents Europe’s first sovereign payments system.     Wero's first initiative will allow customers to complete person-to-person (P2P) payments, enabling users to send and receive money instantly using just a phone number or email address. Consumer to merchant payments are expected to begin next year with point-of-sale payments in 2026.    Following its initial launch in Germany earlier this year, several major banks, including BNP Paribas, Deutsche Bank, and Worldline will offer the service to their customers. Belgium, Luxembourg, and the Netherlands are rumoured to follow.    Importantly for the travel industry, Wero intends to simplify cross-border payments. Whilst the service isn’t likely to rival the card schemes in the short term, it is undoubtedly an important development in our industry.     At Outpayce from Amadeus, we’re focused on developing innovative solutions that provide seamless payment experiences to align with the needs of modern, global travel.     For more information, read here:    https://lnkd.in/du2_hEUN    

20

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

56

You got this…. Did you catch Simone Biles during the Olympics, whispering “You got this” to herself before she began her stunning run of events in Paris Bercy Arena? That tiny phrase carried monumental power. I’ve echoed it to countless friends, colleagues, and family members, witnessing its magic time and time again. ✨ It’s remarkable how something as simple as hearing or telling yourself “You got this” can ignite a spark of confidence. Think of it as a secret ingredient that transforms hesitation into unstoppable energy. This is why I have such a deep appreciation for words. They possess incredible power—they can uplift or deflate. But when used to inspire, words have the potential to change lives, spark movements, and transform the world. Consider J.K. Rowling. She faced numerous rejections before Harry Potter enchanted the globe. Through those tough times, “You got this” was likely her silent mantra. Similarly, Steve Jobs, who revolutionised technology despite countless setbacks, probably leaned on “You got this” to keep moving forward. In our daily grind, these words can work wonders. Picture a colleague gearing up for a nerve-wracking presentation. A simple “You got this” might be just the boost they need to succeed. Or think of a friend about to make a big career leap. Your words could be the wings that help them soar. Reflecting on my own experiences, every time I lace up for a marathon, I tell myself “You got this,” propelling me forward, one foot in front of the other. 🏃‍♀️(That’s me in the Australian Outback Marathon, by the way!) So, let’s harness the power of positive words. Use them generously and speak them genuinely. Encourage a friend, motivate your team, or remind yourself of your own capabilities. Those three little words? They can move mountains. You got this. And you always will. #Inspiration #Motivation #WordsMatter #PositiveImpact #Empowerment

70

10 commentaires

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

94

2 commentaires

📢 We are pleased to announce that #Worldline will participate in the ITS España Public Transport event on #November5th in #Barcelona with the presentation: 🎤 "Interoperable Ticketing for the French Region of Grand-Est“. Worldline's platform, which generates standardized and interoperable CB2D codes, enables all transport authorities and their ticketing providers to issue interoperable tickets, covering all travel within the region. This results in: ✅ Reduced operational costs ✅ Significant improvement in user experience ✅ Easier use of public transport. Don't miss this opportunity to learn about innovation in mobility! 🌍 #SmartMobility #PublicTransport #InteroperableTicketing 🚀

40

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 

95

6 commentaires

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

4

1 commentaire

[Private roundtable by FRANCE PAYMENTS FORUM : "#ArtificialIntelligence in payments"]  AdvanThink (ISoft), the french leader in combating payment fraud. represented by our CEO Brice Perdrix, had the honor of participating in a private roundtable organized by Hervé SITRUK, president of the FRANCE PAYMENTS FORUM, during the June plenary session. This event took place in the prestigious setting of the Hôtel de Boisgelin, home of the Fédération nationale des Caisses d'Epargne (FNCE). We had the privilege of listening to Mr. Minister Arnaud Montebourg, who shared his vision on #Digital and #Artificial #Intelligence. 🌐🤖 The topic was #AI for #Payment needs, with a particular focus on #fraud detection and improving the customer journey. Our discussions were enriched by contributions from prominent experts in the field. Brice Perdrix actively participated in the roundtable alongside Yann CHASSY, Luis Junes, and Thomas Dognin, moderated by Jennifer SERFATI. He brilliantly presented AdvanThink (ISoft)'s perspectives on integrating AI into the payment sector, highlighting our commitment to innovating for a safer and more efficient future. Thank you to all the participants and speakers for this inspiring morning. Let's continue to move forward together towards new technological solutions for the payment sector! 🚀 #Advanthink #Payments #ArtificialIntelligence #Innovation #FraudDetection #CustomerJourney #FNCEPlenary

29

In "Journée du Commerce CB" organized by Cartes Bancaires CB in STATION F , Paris. Discussion between Éric Revel and Laure Salvaing. Among the key ideas : ✔️Commerce has a good image in France 🇲🇫, it is considered as a real "social link" ✔️Commerce is seen as a real innovative sector, above all in the field of customer experience ✔️Proximity is a real key asset for commerce in France ✔️Since Covid, e-commerce became a strong activity, seen as a facilitator for French consumers : it represents 146,9 Bn € in 2022 ✔️Accessibility and democratization of some products are also a key asset for e-commerce #payments #innovative #finance #Commerce #cartesbancaires #cb 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

45

France introduces the 2025-2030 National Payments Strategy! Upholding the free choice of payment methods and embracing digital transformation, the CNMP "Comité National des Moyens de Paiement" strategy focuses on security, innovation, and European autonomy in payments. Societal challenges and sustainability are at the core. Explore the strategy's objectives and watch the presentation video in French: [Link to the video](https://lnkd.in/eeEm9hGp). For detailed insights, access the full report in French: [Link to the report](https://lnkd.in/e9aqmaa5). #Payments #France #digitaleuro #wero #instantpayments

9

1 commentaire

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

25

2 commentaires

500 attendees in Paris Palais Brongniart to celebrate French card scheme Cartes Bancaires CB 40th anniversary ! Today 1 out of 5 #card transactions in Europe is made via #CB, what are the challenges ahead ? Some themes that will be discussed today: Inclusivity, #Payment Carbon Footprint, Access to Cash, Open Payment, Security, Tokenization, Click to Pay, EPI Company Wero, Digital Euro and, last but not least, European sovereignty

32

1 commentaire