Payments & More - Allyiz Show Allyiz

Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

In this episode, Nico welcomes on guest Delphine Bos, who has 20 years of experience in marketing in the payment sector, shaping the visibility of some of the most well-known brands in the industry, such as Adyen, SafeCharge, Ingenico and GlobalCollect. Today we’ll discuss hot topics such as the Fintech movement in Amsterdam and discover Delphine’s best personal secrets.

As the conversation kicks off, Delphine tells the story of her involvement with the Adyen campaign that was displayed in Times Square. Then, she gives listeners her insight into creating a brand from scratch, which she says is like a personality. At the beginning of the journey, you must understand the psychology behind why the brand creators are passionate about what they’re doing and what they hope to achieve. You want to translate this spirit into a name and visual identity. With these major elements together, along with the content voice, the brand appears.

Next, Delphine discusses the three key elements of a successful company in the payment sector.

As a board member of French Tech in Amsterdam, Delphine often is on the forefront of new innovations. She notes the particularly relevant new movement Scale-Up Europe, launched by the French government. Then, she highlights a few companies which are hidden gems in the space of financial technologies.

Delphine’s biggest advice to companies when it comes to marketing is to keep it simple. Marketing is really all about connecting great products and services to great customers.
Finally, hear what initially drew her into the world of payment and her recommendations for those interested in joining the industry.

Timestamps

0:48 Nico introduces Delphine Bos
2:27 Delphine’s work with Adyen
4:14 Delphine explains the process of creating a brand
5:52 How Allyiz came to be
7:40 How to determine if you are punching the best content for your brand
16:24 The importance of payment methods communications with consumers
18:32 Aplauz, a new prepaid payment method
21:05 What is coming in the world of payments?
22:59 Is traditional banking at risk?
23:50 Hidden gems in technology
25:30 Golden minute
28:00 How Delphine came into the payment world
29:57 Closing word of advice

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Check out the full episode notes at www.allyiz.com

Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Paul Smith, who has 20 years of experience working at Experian Credit Bureau and handling complex data projects. He has lived and worked in Asia for these 20 years and is now working with Allyiz as their data guru! We will have great takeaways from this episode with Paul, including the new trends in identification and what payment and fraud is like in Asia from his first-hand experience.

In this era of data and technology, Paul believes it is a race to address issues and retain customer interest. Companies who can’t keep up with such rapid pace will likely fall behind. Paul offers a few examples of companies who have successfully kept up with the pace during his experience working with marketplace providers. The integration of new tools, machine learning and AI technology in conjunction with the pace they were working at was phenomenal.

Next, Nico and Paul discuss the rapid market changes in the last 5 years. Paul sees drastic changes needed within the ecosystem. As consumers demand more from service providers, they need to take a higher level of responsibility in terms of how these services are delivered. Paul is a strong believer that consumers should be carrying their identity verification with them and using them as confirmation for service providers.

Looking at changes and recent capabilities that have been presented in recent years, Paul predicts that consumers will become increasingly responsible for verifying their own payments. Then, Paul shares his opinion on what is going wrong with fraud prevention, which typically operates one step ahead. Customer recognition is key and will only become more so as time goes on.

Paul also predicts that biometrics will increasingly have an important role to play in the next generation of solutions. We are already seeing its adoption in relatively simple transactions and usage with mobile phones. In Asia, its usage is practically universally accepted.

Tune in to hear the three types of data Paul would give a merchant if he owned all of the world’s consumer data.

Finally, Paul offers advice for anyone listening who is interested in joining the world of payment.


Timestamps
0:48 Guest Paul Smith introduced
2:50 Paul’s move to Asia
3:50 Praise for Paul
5:20 Why is it time to be on steroids in this era of data?
6:18 Paul highlights a few companies who have made effective use of time
7:30 Paul’s insight on the rapid market changes in the last 5 years
11:38 Paul’s prediction for the future of ID vs. transaction verification
13:10 What is going wrong in fraud prevention?
19:12 Customer recognition
20:10 New types of data
22:50 Golden minute
25:33 How Paul went from being a customs officer to a data specialist as Experian
31:40 Closing words and Paul’s advice


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Check out the full episode notes at www.allyiz.com

Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Elodie Trichet, who has over 16 years of International Online Payment experience across all continents for B2C & B2B business, 10 of those years with Adyen. After 11 years in the Netherlands, she relocated to Singapore 6 years ago heading up Strategic Partnership & Market development for the region. She works closely with the tech giants and multinational companies assisting them in expanding their Ecommerce footprint across the globe and enter the more exotic markets as seamless as possible.

To begin, Nico asks Elodie to share her perspective regarding Asian consumer markets. She articulates some of the factors which vary from country to country, with the Philippines being an example of an economy heavily reliant on pawn shops and bartering goods to make payments. In Indonesia, she explains payments are often made at local convenience stores. Listen as Elodie explains how some of those cash-driven societies operate.

Marketplaces, especially in China, have become big and more Asian merchants are now creating online commerce profiles. Elodie speaks of the acceleration of various tech platforms in Asia and the benefits of such technology. They discuss the subsequent growth of QR payments.

They comment about the new generation of financial technologists, but because Southeast Asia is so regulated, Elodie believes it is difficult for them to emerge into the market. These regulations are fragmented but are slowly coming around in terms of data protection and how money is stored.

In the Golden Minute, Elodie would pitch a call to action for merchants moving into the Asian market as the President of all e-commerce merchants in the world. She would urge them to come to Asia and explore the markets by themselves, get to know their customers and build strong in-person relationships.

The episode draws to a close on a personal note. Elodie shares an instance in which she failed in her career when she first arrived in Asia.


Timestamps

0:38 - Elodie Trichet introduced
2:46 - How Elodie got started in the industry
4:00 - Elodie’s relocation to Singapore
4:45 - Praise for Elodie
5:30 - Discussing Asian consumers
7:30 - Is there concern in Asia over growing financial digitalization?
9:05 - Is commerce possible in Asia in just a market setting?
12:55 - Growth of QR Payments
14:00 - Discussing credit cards and private vs. public payment sectors
16:20 - New generation of FinTech
19:35 - Regulations in Asia
20:36 - Golden minute
24:28 - Elodie shares a career failure
27:15 - Closing words

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Son Nguyen, who has over 15 years of experience in the French payment market with companies such as Vente-Privée and Oney. Son has extensive expertise in the Market & Business field and is passionate about innovation and user experience. With a background in Technology & Solution, he is a highly recognized Payment and Fraud Expert in the industry. Son, Senior Associate at Allyiz, has held multiple strategic advisory and partnerships roles as well as been involved in regulatory workgroups and professional associations.

On today’s episode, Son share his insights on payments, fraud, e-commerce, and domestic players in France.

Listen how Nico and Son dive into the secrets of the French market, starting with a description of the French card-based e-commerce landscape. E-commerce in France is very strong and is continuously growing. They have been very adamant about being the creator of the Carte Bancaire (CB).

Son and Nico dig into the most popular initiatives in the country for alternative payment methods.
Then, they discuss the dark side of payments in France: fraud. Son recommends merchants entering France, to be protected to avoid fraud.

Tune in to hear what Son’s direct actions would be in the first 100 days as a French Regulator.

The episode draws to a close on a personal note. Son’s experience with a prestigious French culinary school, an instance in which he experienced a career failure and the lessons he learned as a result.


Timestamps:
0:38 - Son Nguyen introduced
2:32 - Son’s work with Vente-Privée and Oney
4:50 - Praise for Son
6:32 - France’s e-commerce landscape
8:46 - Biggest hurdle for foreign merchants dealing with France
12:13- Alternative payment methods emerging
16:23 - Charge only cards
18:10 - French payment technology
20:14 - Discussing fraud
23:13 - Golden minute
26:25 - Son’s experience with prestigious culinary school.
28:51 - Son shares a career failure
33:45 - Closing words

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Welcome to Payments & More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Today’s guest is Úna Dillon who has over 25 years of experience in payments. She is the current MD Europe and Vice President of Global Expansion & Advocacy at Merchant Risk Council, a unique global organization for e-commerce payments professionals. She was recently appointed to the European Commission Payment Systems Market Expert Group (PSMEG) to advise on regulatory policies on payments and payment fraud prevention. Here she brings the Voice of the Merchant to the European Payments Regulator’s table.

We will have great takeaways from Úna in this episode including the state of the payments sector, major concerns for stakeholders and the future of the payment industry. Úna is a person who likes to always keep her finger on the pulse and knowing what’s coming next.

Úna talks about MRC and its ability to facilitate non-competitive discussions around changes happening in the industry. Cost, user experience, revenue, changes, and regulations are amongst the common concerns of merchants. Consumer authentication is also a growing concern.

Then, Úna shares her predictions for the industry in the next 5 years. She believes data will continue in its value and present security concerns, consumer authentication will be huge, though payment regulation will be easier.

The conversation takes a more personal note as Úna shares her college experience and her first post-grad job at a bank in Dublin and her secret passion for classical singing.

Timestamps
0:48 - Úna Dillon introduced
2:10 - Úna welcomed on
3:16 - How Úna got started in the industry
4:05 - Explanation of MRC and their offerings
10:05 - Praise for Úna
11:18 - Úna’s time with the national debit card scheme in Ireland
15:35 - Biggest concerns of merchants right now
22:00 - Trends and new solutions emerging in the market
24:40 - Úna’s predictions for the industry in the next 5 years
27:11 - AI regulations and fraud prevention
29:08 - Golden minute
32:00 - Personal note
37:15 - Closing words and Úna’s advice

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Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.

Tune in to this episode of the Payments & More podcast with host Nico as he chats with payment professionals about their business journeys and lessons learned. Don’t miss out on the stories and perspectives they share that will shed light on what’s hot in the payment space.

Today’s guest is Catherine Tong, who has 20 years of experience in e-commerce risk and fraud, across multiple industries, from retail, airlines, travel to digital. She obtained a breadth of experience from different perspectives as a consultant, merchant and vendor at each of PwC, Tesco and Accertify.

Listen in to hear her opinion on Strong Customer Authentication (SCA). Catherine affirms SCA is a good thing. For issuers, she says it’s a competitive edge they can acquire to achieve “top of wallet” status. From a PSP perspective SCA ensures they’re passing along the right data and flags to optimize transactions being authorized. It also gives insight into the exemptions being applied.

Having been in the industry for the past 20 years, one of the things she’s seen changed is the balance of gender representations, but she says there is still room for improvement in diversity. Many women don’t feel like there are female mentors or role models readily available to them, which is why Catherine has engaged in networking groups, like European Women in Payments Network.

The episode draws to a close on a personal note when Catherine shares her story of meeting Richard Branson.


Timestamps
0:38 - Catherine Tong is introduced
1:30 - Catherine welcomed on
2:30 - Catherine discusses her early days at Tesco
6:50 - Nico asks Catherine her opinion on SCA
17:43 - What would Catherine say to merchants about SCA
19:45 - Women in payments. European Women in Payments Network (EWPN).
26:23 - Catherine shares a few personal anecdotes

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Check out the full episode notes at www.allyiz.com