Isabel Guerreiro

🌍 Paving the Way for Sustainable Payments! 🌍 We’re proud to share that Banco Santander and Giesecke+Devrient (G+D) have been awarded Best ESG Initiative in Payments at the Pay360 Awards 2024! 🏆 This achievement showcases our dedication to creating a more sustainable future for the payments industry. In an effort to reduce plastic waste, we’ve partnered to transform expired payment cards into urban furniture, benefiting local communities and keeping plastic out of landfills and oceans. 🌊 Through Santander’s network of 5,000+ ATMs, we’ve successfully recycled over 1.1 million cards, giving them a second life as benches in public spaces. Each bench is fitted with a QR code that allows citizens to trace the journey of their recycled card. This initiative underscores how banks can go beyond traditional eco-friendly practices—by directly engaging with customers and contributing to a more sustainable society. With Santander targeting net zero emissions by 2050 and G+D working towards eliminating plastic in cards by 2030, we’re proud to be leading the way in responsible innovation. #Sustainability #EcoInnovation #Fintech #ESG #Pay360Awards2024 #GreenBanking #GieseckeDevrient #Santander #Recycling

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Just finished the course “The Art and Craft of AI for Business Resilience” by John Maeda! Check it out: https://lnkd.in/d5HwNNmQ #artificialintelligenceforbusiness #businessresilience.

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As the CPO at MTS Pay online, I would like to share an important milestone for our bank: MTS Bank is planning an IPO. This step forward for us as a company emphasizes our commitment to innovation and sustainable development. The development of the BNPL service in MTS Pay plays a significant role in our bank’s strategy for the mass market. This service simplifies financial transactions for our customers, offering the “buy now, pay later” option without additional costs. #MTSBank #IPO #BNPL #MTSPay #FinTech #Innovation For more information on the IPO and BNPL service, you can refer to the following articles: — “On the line with the market: Why the placement of MTS Bank’s shares on the exchange is interesting” from Forbes https://lnkd.in/eqfFFChB — “The value of MTS Bank in the IPO could reach 115 billion rubles” from Vedomosti https://lnkd.in/ewvr_qwZ You can read even more information about iro bank here: https://lnkd.in/eRPGY3nB

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Congratulations to Banco BPI and the Pulsoo team for being awarded by Global Finance Magazine's Top Innovator in Finance 2024 in the Best #SME App Providing Financial and Regulatory Solutions category. - Powered by Personetics. 🎉 In Personetics' newest customer story, Afonso Fuzeta Eça, BPI’s designated Executive Member of the Board and responsible for the Center of Excellence for Innovation and New Business, tells how Banco BPI’s exceptionally innovative new Pulsoo app supports the #SMEs that make up 90% of #Portugal’s economy. ✨ Using #openbanking Banking capabilities, Pulsoo provides updates, hyper-personalized insights and recommendations tailored to the financial literacy level of #SME owners and covers issues like cashflow optimization, current accounts, loans, taxes, fiscal planning, employee management, and much more. 🚀 Here’s what’s even more impressive: By partnering with Personetics, Banco BPI brought it to market in only 6 months. 🎥 Watch to learn how Personetics helped Banco BPI streamline the creation of valuable, innovative services that increase their customer engagement and satisfaction, and attract new customers, too. 👉 Contact us to learn how we can do the same for your bank! https://hubs.ly/Q02pXS7W0 #openbanking #bankingtechnology #bankingapp #bankingsolutions #fintech #hyperpersonalization #bankingnews #partnership #moneymanagement #smallbusinessbanking #smebanking #ai #artificialintelligence #customerengagement

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Check out my article about the impact of SEPA Instant payments in the large corporate world.

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I am happy to have contributed to the @World Economic Forum’s work exploring the role wCBDCs may play in the digital payments space. As part of this work, we examined what the future of digital payments may look like. We explored the unique value wCBDCs may bring to financial markets, as well as the areas where challenges remain. We found that we will likely experience a digital payments future that includes wCBDCs used alongside digital currency like reserves-backed digital currencies, fiat-backed stablecoins and deposit tokens.

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BRICS Countries unveiled a new payment system ahead of their meeting scheduled next week - BRICS PAY. >BRICS Pay is a proposed digital payment platform designed to facilitate cross-border transactions among member countries (Brazil, Russia, India, China, and South Africa). >BRICS Pay aims to be an alternative to the dominant SWIFT system, reducing reliance on the US dollar. >BRICS Pay is expected to leverage blockchain technology, offering advantages like security, transparency, and faster transaction processing. >BRICS Pay faces challenges like technical integration with existing systems, managing currency fluctuations, and geopolitical tensions. To know more, visit - (https://brics-pay.com) #brics #bricspay #dedollarization #bankingtrends #payment #fintech #blockchain #crypto

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In today’s market, with the many choices available, thriving brands focus on the human experience. This article gives some great examples of brands that went beyond just marketing their products. Good insights. https://lnkd.in/dCnQPiC2

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I am looking forward to two inspiring and exciting #ebaday next week in Lisbon. I will be participating in a panel on Cross Border Payments. Cross Border Payments is driven by three trends: going instant, increased competition from non or near-banks and a need for replacing out of lifecycle processing systems. See also our latest #whitepaper 'Global Instant Payments – An Ever-Growing Network'. Download your free copy here:  👉 https://lnkd.in/ea59ReWT Besides Cross Border Payments the Payments Community in Lisbon will also focus on 👉 the Instant Payments Regulation, esp. Verification of Payee and Instant Limit Changes 👉Request to Pay and eInvoicing 👉the EPI Initiative 👉CBDCs, esp. the Digital Euro

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It has been really interesting to understand how value can be reached keeping sustainability at the core !!

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Top AI Insights from Global Leaders! ... Can’t think of a better way to start the week than with a one-hour condensed cocktail of thought-provoking AI insights from top global leaders: Tomaso Poggio, Percy Liang, Chwee Foon Lim, Cédric O, François Candelon Amnon Shashua, Annet Aris, Reda Nidhakou and Merouane Debbah => Thanks a million!! Six summaries of outstanding sessions diving into AI trends, geopolitical shifts, open-source innovations, and how these advancements will reshape business and society. Highlights include AI in Asia, the US, Europe and the UAE from MIT and Stanford legends and top CEOs and founders! It may be one of the best ways to spend one hour of your life these days :) Thank you Theodoros Evgeniou for organizing and commenting on these sessions, and thank you Robert Maciejko, Nils Wickman and Savita Yelamanchili for this fantastic summary. Looking forward to another INSEAD series of AI Global Leaders! #INSEAD #AI #GlobalLeaders #AILegends https://lnkd.in/dpcZZ7-j

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🚨Neobanks have become a new reality for the financial industry🚨 As a result, digital banks have become a key player in the industry discussions. The fundamental role we play in reshaping the global financial industry and the advantages we offer to our consumers have drawn the attention of both traditional banks and regulators to our business model. Therefore, Revolut was invited last week to participate in the Goldman Sachs 28th Annual European Financials Conference. The event brought together industry leaders, institutional stakeholders, and financial experts from across Europe to discuss the latest trends, challenges, and opportunities in the financial sector. I had the opportunity to speak on the "Disruptor Neobanks" panel. Revolut is a paneuropean company, being the biggest digital bank of the EEA region with over 30 million customers. So, what differentiate us from the rest of the banking industry? 💥Revolut vs. Traditional Banking * Last year we updated our app 56 times, while the media industry was 9 - The average of the industry * Focus on customer experience: we want customers to get a clear view of their money in one place and easily navigate through favourite features and products * Adaptation to new needs: We see a change in user mentality in the way they perceive the traditional banking system vs. digital banks.  * There has been a shift (for the better) from fintech becoming not just an app but a financial and lifestyle companion. * It is not a digitalised bank. It is an app that has the bank in it, but also my travel agency, my insurance broker, my investment… * Where traditional banking offers resistance, neobanking offers a much more seamless customer and user experience - 100% available 24/7, truly global I’d like to thank Goldman Sachs for this special invitation to participate in a very interesting panel to discuss the future of banking and our role in changing the industry’s landscape.

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I was delighted to attend and speak at this European Banking Federation event. Thank you for inviting me. It was a great opportunity for the FBF to highlight two points within the context of the Payment Services Regulation negotiations. It is indeed crucial to involve telcos and social media platforms, where the majority of scams are initiated, in both prevention and liability. Time is coming to dry up the source of the fraud. In France, the Naegelen Law requires telecommunication service providers to implement solutions protecting their customers from various types of telephony-based frauds.   In addition, following recommendations agreed in France in May 2023 among public administrations and actors in the payments market, banks should be able to check the authorization of transactions, when customers dispute payment transactions that they deny having authorized and where these transactions were subject to strong authentication.   This analysis shall seek to assess whether it is likely that users consented to the transaction or whether the transaction was unauthorized, taking into account three sets of parameters: technical parameters associated with the transaction; available contextual elements, such as the information provided to the user at authentication, any alerts linked to the transaction and sent to the user through various communication channels, or the elements reported by the user, including any manipulative processes encountered and the application of strong authentication procedures.   All players have to be constantly taking measures to warn and protect customers against fraud. French banks are active on this subject on a daily basis. Wim Mijs Sébastien de Brouwer Alexandra Maniati Christophe Bonte Christophe Bories Gabriel CUMENGE David Sabban David Revelin Clara Paoloni Jaroslaw Bieganski Romano Stasi Eric Ducoulombier

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Catching up on some weekend reading between #Euro2024 matches ... Reflecting on the growth of domestic / regional and #realtimepayments infrastructures which have increasingly fast forwarded customer expectations, business use cases, bank behaviour in the #B2B payments, #FX and #Treasury management space - its evident that attributes such as #speed, #transparency, #frictionless efficiency along with 24/7 availability, data richness frankly become foundational blocks and table stakes in the #futureofpayments. Through our industry discussions over the last couple of years a harder nut to crack #interoperability has been a focus area and #Swift are well poised to play a critical role in conjunction with various initiatives that are increasingly being launched, piloted, scaled like BIS's Nexus, Rialto ; EPC OCT Inst In the #futureofpayments the shift will be predicated on building digital payment solutions that harness converging technologies from #APIs, #OpenBanking #Tokenisation #ML #AI ... to create new contextual, intelligent, seamless payment capabilities delivering a unified payments experience and long term value ... onwards! Reading links https://lnkd.in/edNzE39d https://lnkd.in/ehYs4aa7 https://lnkd.in/eP-e_YhS https://lnkd.in/edGsN7_Q https://lnkd.in/eM2YPYDv https://lnkd.in/e43fcK9z https://lnkd.in/ebaf_-6H https://lnkd.in/eYp4AHUE

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How banks can supercharge technology speed and productivity.

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Traditional banks still have the upper hand when it comes to client retention and share of wallet. But the competition continues to evolve their offerings and propositions. Some digital banks and fintechs are no longer small institutions operating in an experimental mode.

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ESG is trending. On a personal note, I’m glad it is becoming a topic some many talk about, including informally. On a positive note, it is quite relevant that it is discussed and becomes part of normality. On the other hand, I hope it doesn’t get swept under the carpet when another trend emerges. It is very important that citizens and companies join efforts to be better on Environmental-Social-Governance topics. They are our true path for sustainability. I had a quick chat about this with Nuno Moreira da Cruz that has been a huge defender of these topics. At Mastercard we are committed to contribute to ESG’s goals, both internally and externally. Working with our employees, clients and partners. Step by step. #esg #sustainability

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