Leaders In Payments and FinTech - The EDC Podcast

This week, we are continuing with the theme of financial inclusion. This time in Africa, I'm speaking with Meabh Maguire, who is the Global Head of Commercial at CR2 which is a world-leading vendor within the digital banking platform market. Headquartered in Ireland, CR2 has established a market leadership position in Africa, and enable over a hundred banks in 60 countries. Having spent more than a decade in the African region in our conversation, Meabh shares her perspective on the huge social and economic impact that the growth in digital payments and more broadly technology enabled financial services have had on the region. Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode,  I have the privilege to speak with Akash Sinha, co-founder and CEO of Cashfree - a leading payments platform in India. Founded in 2015, Cashfree has rapidly ascended from start up to become one of India’s most successful fintechs. Akash explains how he and co-founder Reeju Datta built Cashfree to provide a full stack payments solution enabling businesses in India to collect payments and make payouts via all available methods with a single integration. The company now has more than 50% market share of payment disbursals in India. We discuss how huge the Indian market has become. The volumes involved are quite staggering, and even more so when you consider that online payment volumes are set to grow by a further 3x over the next 5 years. This is an incredible story of growth in a super-sized market. We cover a lot of ground in this in depth and frank discussion, so I do hope you enjoy this conversation with Akash Sinha from Cashfree. Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

This week we are speaking with Gregoire Toussaint who is a Director in the EDC Paris office and leads the B2B payments practice. In our conversation, we talk about insights from recent research carried out by EDC into B2B payments including regional differences, key pain points, and emerging best practices.   Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode, Martin chats with Bernhard Reiterer CEO and founder of SignD Identity, the Vienna based RegTech provider. The SignD Platform provides end to end onboarding solutions with KYC / KYB and AML compliance across multiple jurisdictions built in. In our conversation, we discuss the increasing complexity and burden of compliance especially for companies operating across multiple jurisdictions. Bernhard explains what it took for him to successfully convince large incumbent financial institutions to trust his start up with their compliance obligations, develop domestic market leadership and expand internationally into other markets. No mean feat. And plenty of start up lessons and tips.   Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode, Martin speaks to week we are speaking with Eline Blomme, who is VP of products at Truelayer. Founded in 2016, Truelayer is a fast growing UK fintech that has become one of Europe’s leading open banking payment platforms. In our conversation, we discuss variable recurring payments, or VRPs for short, which are an important new way to initiate recurring payments via new open banking technology. VRPs offer significant economic as well as social benefits to all stakeholders. VRPs can be used in two different ways — sweeping and non-sweeping. Sweeping enables customers to automatically move money between bank accounts in their name and arrange recurring payments — for example to repay a loan or move funds to a savings account. Non-sweeping use cases include fixed and variable subscriptions, allowing businesses to take payments for things such as energy bills, rental payments and streaming services. Eline explains why VRPs are considered important and what Truelayer is doing to advocate for their wider use.    Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode, Martin speaks to Wilco Slabbekoorn who is SVP of Revenue Growth and Head of Commercial Europe for Checkout.com. As most of you payment insiders no doubt know, Checkout.com is another incredible FinTech success story. Started back in 2012 by founder and CEO Guillaume Pousaz, it has grown and grown and now has over 1,700 employees across 19 global offices. The Checkout.com growth story really is a testament to the global boom in modern payment technology able to satisfy our appetite for digital payments experiences. In our conversation, we discuss the relentless growth and pace of change in the digital payments and FinTech space. Wilco shares his insights based on many years of experience, partnering with merchants to help leverage modern payments technology, drive growth and transform end to end customer journeys. Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode, Martin speaks to Pascal Burg who is an EDC Director and leads are travel practice. Based out of Paris, Pascal has many years of experience in this space. In our conversation Pascal shares his perspective and views on this complicated yet fascinating area of payments. We cover the complexity of payment processing along the travel value chain, important trends in travel payments, the impact of the economic downturn on travel providers such as airlines and hotels, shifting risk appetite of acquiring banks, M&A activity and lots besides. It’s a really interesting conversation actually recorded late last year, so I do hope you enjoy this conversation with Pascal Burg. Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch

In today’s episode, Martin speaks to Lorraine Fahy, CMO at paytech Prommt Prommt is a leading SaaS platform that enables businesses to request, collect and track remote payments from customers with secure and personalised payment links that can be sent via email, text as well as from with in chat and messaging apps. Customers are then given the choice to pay by card or by account-to-account bank transfer (Pay by Bank) that leverages new Open Banking technologies. In our conversation, Lorraine expands on the company’s growth journey to date and plans for the US market.  Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts: https://linktr.ee/martinkoderisch    

In this episode, Martin meets with Thomas Ficht, Head of Payments at MyToys.de a leading German ecommerce retailer. The company is part of the mighty Otto Group - an ecommerce marketplace in Germany. In the podcast, we discuss the popularity of the open invoice payment method in Germany. Open invoice is a long-standing payment method in Germany and is essentially BNPL. It allows consumers to order a basket of products with no prior payment. Consumers then typically have two weeks to decide what to keep and pay for which is normally done via bank transfer. Culturally German companies like to do things in-house and you’ll find many ecommerce retailers still with their own home-grown open invoice solutions. Many will offer instalment loans themselves. As Thomas explains, MyToys parent company Otto Group, recently expanded its own inhouse instalment lending programme operated by a newly set up subsidiary which now handles all payment   functions for the group, and part of strategy to transform Otto from online retailer into an Amazon-like marketplace. We discuss much besides. I hope you enjoy the conversation with Thomas Ficht.   Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts:https://linktr.ee/martinkoderisch

In today’s episode, I meet with Ravi Kumaraswami, President of Worldwide Field Operations at Riskified with global responsibility for global sales, marketing and channel teams. Riskified is another phenomenal fintech success story. Founded 10 years ago, it has successfully commercialised deep AI and ML tech to help merchants combat and stop fraud. The company IPO-ed on NYSE in Summer of 2021, and recently announced FY 2022 revenues of $261m. We discuss Riskified growth story, Ravi’s GTM approach and leadership, plus much more besides.  Episode links: https://www.edgardunn.com/theedcpodcast Martin's contacts:https://linktr.ee/martinkoderisch