Dastan S.
                  
          
    
    
    
    
    
    
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    Panagiotis Kriaris It’s one of the biggest evolutionary shifts in payments in decades: digital identity is merging into payments, with digital wallets becoming the all-encompassing layer underneath. 𝗧𝗵𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝗴𝗲𝗻𝗰𝗲 • Digital payments evolved to securely move money, while identity verification stayed separate – manual, siloed, and fragmented. • The result: repeated identity checks, user friction, fraud vulnerabilities, and regulatory headaches. • Without identity integrated into payment flows, transactions lacked the essential “trust backbone” needed for secure and compliant exchanges. • Digital identity can close this gap by enabling instant, real-time verification of who is paying and why through cryptographically secured credentials. • That means less fraud, simpler AML/KYC, and new use cases like cross-border and embedded finance. 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗪𝗮𝗹𝗹𝗲𝘁𝘀 • Digital wallets are becoming the platform that securely merges verified identity and payments into a single user-controlled experience. • They let users authenticate and pay in one step, often biometrically, cutting friction and delays. • Wallets empower users to share only what’s necessary, boosting privacy, while businesses gain simpler compliance, reduced fraud, and efficiency. • As wallets evolve and scale, they create network effects: faster transactions, stronger protection, and space for innovation. 𝗧𝗵𝗲 𝗘𝘂𝗿𝗼𝗽𝗲𝗮𝗻 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗜𝗱𝗲𝗻𝘁𝗶𝘁𝘆 𝗪𝗮𝗹𝗹𝗲𝘁 (𝗘𝗨𝗗𝗜𝗪) • EUDIW is Europe’s most ambitious attempt to create a trusted, public digital wallet as the default gateway for both identity and payments. • Every citizen and business will be offered one – not just to pay, but to prove who they are, sign agreements, and seamlessly access services across borders. • If it succeeds, EUDIW could turn fragmented national systems into a unified European standard for trust and security. • EUDIW flips the model: individuals control their own data, regulators set common rules, and financial institutions and service providers connect into the same trusted layer. 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗵𝗲 𝗱𝗶𝘀𝗰𝘂𝘀𝘀𝗶𝗼𝗻 𝗮𝘁 𝗜𝗗 𝗫 𝗦𝗨𝗠𝗠𝗜𝗧 𝟮𝟬𝟮𝟱 If the above topics resonate with you, then the ID X Summit 2025 is the event to dive deeper. Join the debate on how digital identity, wallets, and payments are converging – and what this means for trust, control, and the future of Europe’s digital market. 📅 When: 25 September 2025 📍 Where: Factory Hammerbrooklyn, Hamburg 🔗 Get more details here: idxsummit.de/tickets #IDXSUMMIT25 Opinions: my own, Graphic sources: WebID, European Commission 423 56 commentaires
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    Antony Martini 🚩 From 44% to 15%: Cash is vanishing at the checkout. Are banks and merchants in Luxembourg keeping up? Ten years ago, cash ruled the world. In 2014, it made up 44% of all in-store payments globally. Fast forward to 2024, and that figure is expected to shrink to just 15%. This isn’t just a change-it’s a massive shift. ↳ Contactless cards. ↳ Mobile wallets. ↳ Instant payments. The future of money is digital. By 2027, the numbers get even more extreme: - France, South Korea, the UK → cash is under 10% of payments. - Colombia, Nigeria, Spain → cash still dominates. What about Luxembourg? In the euro area, cash remains popular for smaller transactions (52% in 2024), but the shift to cards and wallets is unstoppable. Luxembourg is no exception-it’s following the same trend. Here’s what banks and merchants in Luxembourg need to do to thrive: 1/ Adopt digital wallets → Apple Pay, Google Pay, and others are taking over. They offer ease, security, and speed. 2/ Enable SEPA Instant payments → Instant payments will replace cash for daily transactions-fast, secure, and convenient. 3/ Keep cash accessible (for now) → Tourists still carry cash. Markets like Spain and Mexico still prefer it. Keep ATMs and cash options available to stay inclusive. The truth is simple: Cash may be disappearing, but it’s not dead yet. The challenge is balance. Innovation drives progress, but inclusion keeps us connected. Can Luxembourg’s financial ecosystem adapt to the shift while leaving no one behind? 52 7 commentaires
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    Nicolas Pinto The Rise of Agentic Payment Infrastructure 💡 The goal is simple to describe, hard to achieve: agents that transact autonomously — verifying, approving, and settling payments in real time. Today’s reality: most agentic workflows break down when they reach the transaction layer. Payments are built for human inputs — passwords, card details, manual approvals. The fintech rails are not agent-native. So what do we need to change? 🔹 Identity – Agents must be verifiable: who is acting? What is this AI agent’s purpose? 🔹 Permissions – Clear spending limits and rules of engagement 🔹 Wallets – Programmable funding sources with built-in controls 🔹 Payment rails – Real-time, API-triggerable, built for agents not humans 🔹 Compliance & trust infra – Know Your Agent (KYA), audit logs, risk checks that regulators accept. A big piece of this will be KYA and how to authenticate agents. For agents to transact autonomously, counterparties need to know where the agent comes from, who it is acting on behalf of, and what it is allowed to do. One way to achieve this is through an agent ID or sometimes called a passport - a digital credential that specifies who owns the agent, exactly which agent instance is acting (e.g. a travel bot vs a procurement bot), and what actions it is allowed to perform (such as spending limits, approved merchants, or data access). Until KYA systems like this are widely adopted, most agentic payments will still require a human to step in at critical points. 🔹 Metering & billing – usage-based pricing and outcome-based payments Agentic payments are not only about agents paying online. They are also about agents being paid. If an AI travel agent books a flight for you, or an AI marketing agent optimises campaigns, those services themselves need to be metered, billed, and compensated. This flips the perspective: payments infra must support both sides — agents acting as buyers and agents acting as sellers of services. That means two intertwined problems: 🔸 Agent spending – how an AI reliably executes payments on behalf of a human or company (discussed above) 🔸 Agent earning – how the AI gets credited, invoiced, or rewarded for outcomes delivered. The second piece opens the door to agent metering and billing infrastructure. Instead of flat SaaS fees, we expect usage-based or outcome-based pricing (e.g. “€0.10 per lead validated,” or “1% of ad spend optimised”). We believe this will give rise to a new generation of agent-native companies building metering, billing, and compensation systems. Source: Laura Salesse x Eight Roads - https://shorturl.at/imAEL #Innovation #Fintech #Banking #OpenBanking #API #FinancialServices #Payments #Cards #AI #GenAI #LLM #KYA #Agentic #Agents 93 8 commentaires
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    James Banguy Mastercard Is Killing Complexity in Cross-Border Payments Cross-border payments just got a lot less complicated. Mastercard has teamed up with Infosys to plug its Move payments portfolio directly into #Finacle, the core banking platform trusted by hundreds of banks worldwide. 𝐖𝐡𝐲 𝐭𝐡𝐢𝐬 𝐦𝐚𝐭𝐭𝐞𝐫𝐬: * 𝐒𝐩𝐞𝐞𝐝 𝐭𝐨 𝐦𝐚𝐫𝐤𝐞𝐭: Banks no longer need months of heavy integration work to offer global transfers. * 𝐆𝐥𝐨𝐛𝐚𝐥 𝐫𝐞𝐚𝐜𝐡: Move already spans 𝟐𝟎𝟎+ 𝐜𝐨𝐮𝐧𝐭𝐫𝐢𝐞𝐬, 𝟏𝟓𝟎 𝐜𝐮𝐫𝐫𝐞𝐧𝐜𝐢𝐞𝐬, 𝐚𝐧𝐝 𝟗𝟓% 𝐨𝐟 𝐭𝐡𝐞 𝐰𝐨𝐫𝐥𝐝’𝐬 𝐛𝐚𝐧𝐤𝐞𝐝 𝐩𝐨𝐩𝐮𝐥𝐚𝐭𝐢𝐨𝐧. * 𝐒𝐜𝐚𝐥𝐚𝐛𝐢𝐥𝐢𝐭𝐲: Institutions can now launch near real-time cross-border services while staying compliant across jurisdictions. For years, #fintech challengers have eaten into the remittance space by being faster and cheaper. This partnership hands traditional banks the same agility without the usual operational headaches. Infosys EVP Dennis Gada put it bluntly: “𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐬𝐲𝐬𝐭𝐞𝐦𝐬 𝐡𝐚𝐯𝐞 𝐛𝐞𝐜𝐨𝐦𝐞 𝐚 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭𝐢𝐚𝐭𝐢𝐧𝐠 𝐟𝐚𝐜𝐭𝐨𝐫 𝐟𝐨𝐫 𝐛𝐚𝐧𝐤𝐬 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐧𝐠 𝐟𝐨𝐫 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐥𝐨𝐲𝐚𝐥𝐭𝐲.” 𝐓𝐡𝐞 𝐫𝐞𝐚𝐥 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲? With this integration, cross-border payments stop being a pain point and start becoming a competitive advantage. Do you think collaborations like this will help banks reclaim ground from fintech disruptors, or is the gap already too wide? Don’t forget to hit like and repost if you found this useful, 𝐚𝐧𝐝 𝐝𝐫𝐨𝐩 𝐚 𝐜𝐨𝐦𝐦𝐞𝐧𝐭 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐭𝐚𝐤𝐞. 135 37 commentaires
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    Neira Jones 𝗠𝘆 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗚𝗿𝗲𝗮𝘁𝗲𝘀𝘁 𝗛𝗶𝘁𝘀 𝗔𝗹𝗯𝘂𝗺 😉 Whilst the payments industry is vast and critical, it's quite hard to find dedicated books that focus exclusively on payments. I consider these nine commercially available books to be essential for: • 𝗙𝗼𝗰𝘂𝘀𝗶𝗻𝗴 𝗼𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 (not broader banking or fintech) • 𝗦𝗲𝗿𝘃𝗶𝗻𝗴 𝗮𝘀 𝘀𝘁𝗮𝗻𝗱𝗮𝗹𝗼𝗻𝗲 𝘄𝗼𝗿𝗸𝘀 rather than chapters in collections or technical reports • 𝗢𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲, from foundational concepts through emerging technologies • 𝗔𝗰𝗵𝗶𝗲𝘃𝗶𝗻𝗴 𝘄𝗶𝗱𝗲𝘀𝗽𝗿𝗲𝗮𝗱 𝗮𝗱𝗼𝗽𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗰𝗶𝘁𝗮𝘁𝗶𝗼𝗻 within the payments industry Other regions produce high-quality reports (central bank papers, white papers) and academic monographs, but they’re not trade books for a professional audience. From David Birch’s prescient 2014 insights to the latest 2025 releases, these books span the entire payments landscape, traditional rails to decentralised systems, beginner guides to advanced technical deep dives. Each title has earned its place through verified publication details, substantiated reader reviews, and genuine industry adoption. Whether we seek to demystify jargon, master card processing, explore blockchain and DeFi, compare global regulatory frameworks, or simply look up “acquirer” for the hundredth time, this collection has us covered. Full disclosure: three of these books are my own, but I promise it’s not vanity, just that sometimes you write the book the industry needs… Consider it my payments industry greatest-hits album, curated lovingly with the same rigorous attention to detail that goes into explaining why your card payment took three hops through two continents to buy a coffee next door. 𝗛𝗲𝗿𝗲’𝘀 𝘁𝗼 𝘁𝗵𝗲 𝗲𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝟵! 😁 (in order of publication date) 1️⃣ 𝗜𝗱𝗲𝗻𝘁𝗶𝘁𝘆 𝗶𝘀 𝘁𝗵𝗲 𝗡𝗲𝘄 𝗠𝗼𝗻𝗲𝘆, David Birch (2014; The London Publishing Partnership) 2️⃣ 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗦𝘆𝘀𝘁𝗲𝗺𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗨.𝗦.: A Guide for the Payments Professional (3rd Ed.), Carol Coye Benson, Scott Loftesness & Russ Jones (2017, Glenbrook Partners) 3️⃣𝗧𝗵𝗲 𝗔𝗻𝗮𝘁𝗼𝗺𝘆 𝗼𝗳 𝘁𝗵𝗲 𝗦𝘄𝗶𝗽𝗲: Making Money Move, Ahmed Siddiqui (2020, New Degree Press) 4️⃣ 𝗧𝗵𝗲 𝗙𝗶𝗲𝗹𝗱 𝗚𝘂𝗶𝗱𝗲 𝘁𝗼 𝗚𝗹𝗼𝗯𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀, Sophia Goldberg (2022) 5️⃣ 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: A Whistle-Stop Tour into What You Thought You Knew, Neira Jones (2024, Routledge) 6️⃣ 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝘁 𝗠𝗼𝗻𝗲𝘆: When Money Thinks for You, Chris Skinner (2024, Marshall Cavendish) 7️⃣ 𝗕𝗲𝘆𝗼𝗻𝗱 𝗥𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲: Patterns of Success in Fintech and Digital Transformation, Leda Glyptis (2025, Routledge) 8️⃣ 𝗕𝗲𝘆𝗼𝗻𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: From Centralised to Decentralised and Everything In Between, Neira Jones (2025, Routledge) 9️⃣ 𝗧𝗵𝗲 𝗔-𝗭 𝗼𝗳 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: A Modern and Practical Glossary for the Curious and the Forgetful, Neira Jones (2025; Routledge) 77 27 commentaires