Tobias Lindh

🚀 Finexer Welcomes Open Banking Standard 4.0! 🚀 The new Open Banking Standard 4.0 brings an exciting wave of enhancements, focusing on security, usability, and user experience. At Finexer - Open Banking Platform, we’re dedicated to staying ahead of these advancements, so you can unlock the full potential of #OpenBanking for your business with confidence. 🌐 What’s New in Open Banking Standard 4.0? 🔹 Enhanced Security Measures New features prioritize user consent management and data privacy, making Open Banking safer for consumers and businesses alike. Finexer is fully aligned with these updates, ensuring your transactions remain secure and compliant. 🔹 Improved Payment Initiation Services (#PIS) 4.0 standards now support smoother payment flows with simplified authentication, enhancing the customer experience. Finexer’s platform is optimized for faster, frictionless #PayByBank payments that boost customer satisfaction and conversion rates. 🔹 Upgraded Data Access and Enriched Financial Insights Businesses can now access deeper financial insights and real-time bank transaction data, providing a richer view of user finances to inform smarter business decisions. Our solutions bring this data to life, helping you leverage it effectively for growth. 🔹 Support for Variable Recurring Payments (VRP) Standard 4.0 expands VRP capabilities, offering businesses flexible subscription and recurring payment options. Finexer is ready to support your needs, from single payments to VRP, keeping pace with the latest in Open Banking innovation. 💡 How #Finexer’s Solutions Align with #OpenBanking4.0: 1. Secure and Compliant – Full adherence to enhanced security protocols and consent management. 2. Seamless Payments – Instant, frictionless Pay-By-Bank transactions powered by the latest standards. 3. Data – Access enriched data for smarter financial decisions. 4. Flexible Payment Options – Comprehensive support for VRPs, single payments, and bulk payouts. 📈 Let Finexer Be Your Guide to Open Banking Success The Open Banking Standard 4.0 unlocks powerful new features, and Finexer is here to ensure you make the most of them. Let’s drive your business forward with the latest in Open Banking innovation! visit www.finexer.com #Finexer #OpenBankingStandard4 #OpenBanking #InstantPayments #VRP #FinancialData #DigitalFinance #PayByBank #FutureOfFinance #Fintech https://lnkd.in/g_reQvm3

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RIX-INST opens its doors: What It Means for Payments in Sweden Sweden’s RIX-INST is here, enabling instant payments on a national scale. This marks a huge step forward for businesses and consumers, making transfers faster, more reliable, and always available—even outside traditional banking hours. It’s not just a tech upgrade; it’s a shift in how money moves. But what does it mean for A2A players? Read the full article: https://lnkd.in/dtM4_rZm #InstantPayments #Fintech #Innovation #RIXINST #Payments

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Lunar's modernisation with Vault Core has redefined the traditional Nordic banking experience. We sat down with Sebastian Sommer Akselsen, Head of Accounts, Core Banking at Lunar, to discuss their journey with Vault Core and progress in building a scalable, modern technology stack that will support millions of customers and transactions. Read the full case study here: https://lnkd.in/eKm_Qr4C #cloudnativecorebanking #corebanking #coremodernisation

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Fingerprint Cards AB Appoints David Eastaugh as Chief Strategy and Technology Officer Adam Philpott, President & CEO of Fingerprints, commented: “I am very pleased to welcome David Eastaugh as our Chief Strategy and Technology Officer. He will have a key role as we continue diversifying our operations into new areas. While we remain committed to our current business within the PC, Payment, and Access product groups, we also see significant opportunities to expand in digital identity, a core component of human-digital interactions. Current identity verification largely relies on passwords, a primary threat vector in cyber breaches. With Zero Trust security frameworks becoming standard and requiring regular user authentication, the inherent vulnerability of passwords is evident. Leveraging our rich biometric history and core business as we expand to be a digital identity company, we aim to replace passwords with more reliable biometric authentication. This will enhance cybersecurity and user experience across various applications, including access control and secure online transactions. David will spearhead this capability development.” https://lnkd.in/epFmMrXE Aida Hosseini Haran Zuckerman Bengt Linnér #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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Cash has all but DISAPPEARED in the Nordics 🤯 📱 📈 According to new research conducted on behalf of Nets, part of Nexi Group – the preference for mobile payments continues to INCREASE with 12 percent of Nordic consumers stating that they ONLY pay with their mobile phone, citing no need for a physical wallet at all. 💶 🥉Mobile payments pushed cash payments into THIRD place among Nordic consumers' most preferred payment methods in 2022 with 76 percent of Nordic consumers using some form of mobile payment in physical sales locations. 👨‍💻 Lars Erik TELLMANN, Chief Regional Officer for the Nordics at Nets, commented: “Although rising inflation and interest rates have affected the economy, we can now see that consumer purchasing behaviour has begun to normalise. In physical stores, use of mobile wallets and cards is steadily increasing, reflecting a global shift towards cashless transactions. Countries like Sweden are leading the change, with a strong push to eliminate cash entirely from daily commerce.” “We are also seeing significant advancements in payment authentication, digital receipts, and loyalty solutions with demand for innovative approaches steadily increasing. While full implementation is still ongoing, many businesses are recognising the benefits of digital receipts in enhancing customer convenience and reducing environmental impact. Loyalty solutions have also seen substantial progress, with 9 in 10 Nordic consumers enrolled in at least one loyalty program. These loyalty programs are now often linked directly to payment cards, simplifying the user experience, and ensuring rewards are seamlessly earned.”   Read the report on the link below! 👇 James Kemp iseepr Daniele de Sanctis Matteo Abbondanza Danja Giacomin Søren Winge #nexi #nets #mobilepayments #cashless #nordics #digitalpayments #contactlesspayments

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✂️ Cut fees. Reduce costs. Transform your #payments mix for the better. What’s not to like? Merchants across Europe face a system where high fees from card networks and digital wallet providers are eating into profits. But with instant account-to-account (A2A) payments powered by open banking, there’s a better, more efficient way forward. ⚡ #InstantA2APayments bypass the significant fees and complexities of these types of payment networks. Not only this, but they offer faster, more agile and secure payments for consumers and merchants alike. 💡 Want to learn more about how A2A payments can revolutionise your payment mix? Read now to discover the benefits of A2A payments for merchants ➡️ https://lnkd.in/d__EGzuB #MerchantPayments #OpenBanking #A2APayments #DigitalWallets

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What happens when an acquirer finds the secret ingredients to merchant satisfaction? Within a few years, Nexi's portfolio doubled to 2 million POS and e-commerce merchants, and SmartPay connected 700,000 merchants to its wallet and QR payments. Both companies leveraged the #Way4 acquiring software platform to make their offering truly omnichannel. How is omnichannel better than multichannel? What technology can help merchants and their acquirers to bridge this gap? OpenWay offers insights into the omnichannel acquiring innovations of Tier 1-2 players, including Nexi, Shift4 Europe, SmartPay, Halyk Bank, and others. Read the case study https://bit.ly/4cdfPMH to learn how to achieve the highest approval rate, what data and tools merchants need from the acquirer to map the customer journey, and more. #openwaygroup #openway #payments #fintech #omnichannel #ecommerce #merchantacquiring #digitalpayments #digitalbankingplatform

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Paying by Bank: New Data by Trustly Reveals Sweden’s Shift Towards Modern Payment Trends Read the full story here: 👇 https://lnkd.in/ey2fUugS #payments #paytech #fintechboostup

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How does PayLead ensure eligible transactions are rewarded just once, despite the possibility of subscribed bank clients sharing transactions with our fintech partners also offering cashback? 🤔 Go beneath the surface of our platform and understand how Pierre-Louis DANIEAU and the data team developed a solution to avoid this scenario 👇

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Join us at NextGen Nordics 2024 in Stockholm next week, where industry leaders convene to discuss the evolving landscape of international payments.    With customer expectations driving change and businesses demanding instant cross-border solutions, banks are under immense pressure to innovate. It's all about driving down costs, boosting speeds, and ensuring transparency and accessibility in payment systems.    Connect with Peter Vestergaard Larsen, Eastnets Regional Head Nordics, on LinkedIn directly, and learn how our suite of payment hub solutions and instant payments enablement can revolutionize your organization's approach in the dynamic Nordic market.    Let's shape the future of payments together!     #NextGenNordics #Fintech #InstantPayments #RealtimePayments #FinancialInstitutions #digitalpayments    

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#Fintech news: Intergiro Launches No-Code White-Label Platform for Custom Mobile Banking Apps 📱 🇸🇪 Swedish Banking-as-a-Service (#BaaS) provider Intergiro has just unveiled its no-code white-label platform, designed to help businesses launch fully branded mobile banking apps in days without technical expertise. 💳 By uploading brand assets, configuring pricing, and following a few easy steps, businesses can quickly launch apps on both the App Store and Google Play. Once live, users can instantly create accounts, fund them via Visa, Mastercard, or SEPA, and tokenize their cards for Apple Pay and Google Pay integration. Key features include: 🔸 Instant IBAN creation for users 🔸 Loyalty program integration 🔸 Real-time customer insights with Data as a Service (DaaS) 🔸 Backoffice for streamlined support and operations 📈 With early adopters already seeing new revenue streams and increased engagement, Intergiro’s platform is transforming digital banking for fintechs, startups, and SMEs. 👨‍💻 Adam Sadler, CCO, shared, "Instead of spending 6-12 months developing a solution, you can validate your proposition in weeks at a fraction of the cost." 💡 What do you think about the potential of no-code platforms to revolutionize digital banking? #DigitalBanking #DataAsAService #EmbeddedFinance

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📢Swift bids to connects VoP schemes across Europe! The research among more than 2000 business decision makers finds that SMEs in the European Union feel positive about the EU’s Instant Payments Regulation. Learn more 👉🏼https://lnkd.in/dReE_RR2 #fintech #finServe

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For those who missed it last week! 😊 On July 29, the issue of Central Bank Payments News was released, which the editors kindly agreed to provide absolutely free of charge. You can get your copy by following this link: https://lnkd.in/ge8ayq9a Not only will this allow you to learn a lot about the development of CBDC, but you will also see for yourself the quality of this informational content, and, of course, appreciate the professionalism of the Central Bank Payments News editorial team. Perhaps this will encourage your company to subscribe to this incredible information resource about CBDC. By the way, under this Central Bank Payments News post, Joachim Samuelsson and I left quite a few comments about various things: https://lnkd.in/egrUjBKz Please read the comments carefully - it might blow your mind. 😊

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Are you ready for the next big shift in the German payments market? 🇩🇪 Our new industry report examines what's trending in the country's dynamic payments scene, including the phasing out of giropay by 2024 and the increasing influence of Klarna after its recent acquisition of Sofort. Download the full report below to stay ahead and set your local payments strategy up for success👇 ➡️ https://lnkd.in/es56mhnK #Payments #Fintech #Ecommerce #PPRO #Germany

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Germany's payments landscape is changing - are you ready? With giropay phasing out and Sofort integrating into Klarna, adapting your payments strategy is critical to success in 2025. From offering BNPL for younger shoppers to finding the perfect mix of local payment methods, we are here to help you navigate the shift. ✅ Understand your audience ✅ Prepare for the change ✅ Build or partner wisely ✅ Maximise conversions ✅ Mitigate risks Future-proof your payments strategy with PPRO - your partner for seamless local payment integration. 🌍 Download our latest German report and take the first step toward growth below ⬇️ https://bit.ly/3Cyb0Re #Payments #LocalPayments

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SEB Embedded Goes Live Together With Thought Machine to Drive BaaS Innovation Emelie Eriksson (fd Magnusson), Head of SEB Embedded, comments: “With Vault Core, SEB Embedded aims to transform banking by seamlessly integrating excellent financial products into customers’ daily lives. Our long-standing partnership with Thought Machine, a technology leader by the highest standards, has empowered us to rapidly innovate and bring new solutions to market faster than ever before. We’re proud to be experts in their technology, which makes product development easier and more agile.” https://lnkd.in/evkuVTsG Ciara S Asif F. Paul Taylor Wedian Warwick-Smith Craig Morgan Fredrik Robertsson Lund Lena Edström Janitha Samarasinghe #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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"Corporate and merchant payments have been overlooked for too long, and it’s time for us to lead this change," says Peter Larsson, Business Development and Sales Manager at Tietoevry Banking. 🇪🇺 The forthcoming EU mandate for banks to enable SEPA-Inst payments, both domestically and cross-border, presents significant opportunities for the often-neglected corporate and merchant payments markets. In our latest paper, we explore key factors such as Verification of Payee, bill splitting, instalment payments, and Enterprise Resource Management. Ensure your bank stays competitive in the fast-evolving world of transaction banking. 🔗 Download now: https://lnkd.in/d_4E8wFH #TietoevryBanking #BankingIndustry #Payments

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LGT Private Banking will implement Finastra’s payment hub using a MODEL BANK implementation approach, to ACCELERATE its readiness to meet the EU instant payments regulatory timeline 🚀 🏦 📈 By uncoupling payment processing from its core banking platform and implementing Finastra’s FUTURE-PROFF solution, LGT will ALSO now be able to meet the anticipated growth in instant payment volumes while providing the required 24/7 service availability. 👨‍⚖️ 💸 Once implemented, the bank can EASILY adopt other regulatory schemes, such as #SIC5IP in Switzerland, and embrace ongoing modernization, innovation AND growth. 👨‍💻 “Many institutions need to urgently assess whether their current payment processing environment can support the expected increase in volumes and the need to operate 24/7,” said Neil Macro, Vice President, Managing Director – EMEA mid-markets, Payments at Finastra. “This has been a huge priority for us at Finastra; ensuring that banks are fit for the future with our sophisticated payment hubs, including with the option to pay as you grow. Underpinned by open architecture, APIs and our partner ecosystem, our solutions enable banks like LGT to innovate at speed, boost risk management and deliver enhanced services to end-users. For example, the bank can seamlessly implement new functionality to strengthen its instant payments offering, such as Verification of Payee and real-time sanctions screening. We look forward to supporting LGT on further developing its payments services.” Read more on the link below! 👇 Bernhard Strauch #finastra #digitalpayments #instantpayments #regulatorycompliance #payments #privatebanking #fintech #fintechnews

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