The Payments Trilogue
- Folgen
- 58
- Erscheint
- alle zwei Wochen
- Letzte Folge
- 10. Nov. 2026
Über den Podcast
The Payments Trilogue is a podcast of 3 seasoned payments professionals aiming to foster the European payments industry's stakeholder collaboration and self-regulation. Michael Salmony, Javier Santamaria and Ralf Ohlhausen discuss current topics from their different perspectives. A light-hearted, in-depth and sometimes controversial view on what is hot in payments and beyond.
Folgen 58
TPT #57 INTERNATIONAL TRADE
In this episode, Gerard Hartsink, former EPC chair, explains the ins and outs of international trade, covering the key documents, outdated laws, fragmented technical standards, and the ICC Digital …
Shownotes
In this episode, Gerard Hartsink, former EPC chair, explains the ins and outs of international trade, covering the key documents, outdated laws, fragmented technical standards, and the ICC Digital Standardization Initiative. We debate whether more regulation helps or hurts, and which activities should be prioritised.
TPT #56 CBDCs IN ASIA
In this episode, Syed Musheer Ahmed explains the current state and future potential of Central Bank Digital Currencies (CBDCs) across Asia, exploring various projects (incl. mBridge), use cases, and regional …
Shownotes
In this episode, Syed Musheer Ahmed explains the current state and future potential of Central Bank Digital Currencies (CBDCs) across Asia, exploring various projects (incl. mBridge), use cases, and regional differences. Discover how CBDCs are done elsewhere to transform payments, cross-border trade, and financial inclusion.
TPT #55 PSD3 & PSR OUTCOME
In this episode, Scott McInnes from Bird & Bird explains the outcome of the PSD3/PSR trilogue and what to expect from the 3rd revision of this legislation. We cover liabilities, fraud, open banking, exemptions …
Shownotes
In this episode, Scott McInnes from Bird & Bird explains the outcome of the PSD3/PSR trilogue and what to expect from the 3rd revision of this legislation. We cover liabilities, fraud, open banking, exemptions and the missing agentic AI provisions. Scott provides valuable insights into regulatory challenges, market impacts, and future trends in the payment industry.
TPT #54 FRAUD 2
In this episode, we are discussing again the rapidly evolving landscape of fraud in the payment industry. This time with Richard Harris, EVP Head of Strategy & Advisory at Feedzai, who is explaining the shift …
Shownotes
In this episode, we are discussing again the rapidly evolving landscape of fraud in the payment industry. This time with Richard Harris, EVP Head of Strategy & Advisory at Feedzai, who is explaining the shift from card-based to account-to-account (A2A) fraud, the organization of cybercrime, and strategies for defense.
TPT #53 TOKENISATION OF MONEY
This episode explores the future of digital money, focusing on tokenisation, trust, regulation, and the evolving landscape of central bank digital currencies, commercial bank money tokens and stablecoins. The 3 …
Shownotes
This episode explores the future of digital money, focusing on tokenisation, trust, regulation, and the evolving landscape of central bank digital currencies, commercial bank money tokens and stablecoins. The 3 authors of the book "Tokenisation of Money", Selim Yazıcı, C. Coşkun Küçüközmen, and Michael Salmony, who are experts from academia, central banking, and industry share insights on how technology and regulation shape the new monetary ecosystem.
TPT #52 RATINGS & PAYMENTS
In this episode, Sophia Furber from S&P Global's FinTech and Payments research practice, shares insights on the evolving landscape of payments, stablecoins, open banking, and Europe's payment sovereignty …
Shownotes
In this episode, Sophia Furber from S&P Global's FinTech and Payments research practice, shares insights on the evolving landscape of payments, stablecoins, open banking, and Europe's payment sovereignty. Discover how this relates to their ratings business (or not) and what their research activities are showing.
TPT #51 NORDICS
In this episode, we discuss payments in the Nordics with Ville Sointu, Chief Strategist, Transaction Banking at Nordea. The Nordics are traditionally ahead of other regions and we discover why that is and what …
Shownotes
In this episode, we discuss payments in the Nordics with Ville Sointu, Chief Strategist, Transaction Banking at Nordea. The Nordics are traditionally ahead of other regions and we discover why that is and what we can learn from their innovations in relation to retail payments, blockchain projects, open banking, electronic identity, and the digital euro.
Fintech Daydreaming Podcast: https://fintechdaydreaming.com/
The Payments Trilogue Website: https://thepaymentstrilogue.com/
TPT #50 UK PAYMENTS INITIATIVE
In this episode, Charles Damen, Non-Executive Director of the UK Payments Initiative, explains this new venture, and we discuss its impact on open banking and the future of payments in Europe. Discover how the …
Shownotes
In this episode, Charles Damen, Non-Executive Director of the UK Payments Initiative, explains this new venture, and we discuss its impact on open banking and the future of payments in Europe. Discover how the UK's open banking approach is shaping the industry, the regulatory enforcement and competition policy behind it, what it changes for merchants and retail payments, and what European payments sovereignty can learn from it.
TPT #49 DEBUNKING BLOCKCHAIN
In this episode, we host Lars Hupel, Chief Evangelist at Giesecke+Devrient, to discuss the realities and myths of blockchain, DLT and smart contract technologies in finance. We explore programmability …
Shownotes
In this episode, we host Lars Hupel, Chief Evangelist at Giesecke+Devrient, to discuss the realities and myths of blockchain, DLT and smart contract technologies in finance. We explore programmability, consensus mechanisms, legal limitations, offline CBDC and the future of digital currencies.
TPT #48 GIROCARD
In this episode, we discuss the success of the Girocard in Germany with Matthias Hönisch, Head of Card Business Department at BVR, and how it will fit into the future of European payment schemes, especially in …
Shownotes
In this episode, we discuss the success of the Girocard in Germany with Matthias Hönisch, Head of Card Business Department at BVR, and how it will fit into the future of European payment schemes, especially in relation to Wero and the digital euro. We also explore local schemes more generally, as well as standardization efforts such as CPACE, and strategic visions for payment sovereignty.
TPT #47 GOOD, BAD & UGLY
In this episode, Olivier Denecker, a former McKinsey payments expert, shares insights on Europe's payment innovations, regulatory impacts, and the future of European payment systems. With what he calls the …
Shownotes
In this episode, Olivier Denecker, a former McKinsey payments expert, shares insights on Europe's payment innovations, regulatory impacts, and the future of European payment systems. With what he calls the good, the bad and the ugly, we explore Europe's strengths, challenges, and the path to creating a competitive, sovereign payment landscape.
TPT #46 PREMIUM APIs
This episode features Ortwin Scheja, who is the Lead Architect of the Berlin Group and a leading expert in open banking and API standards. We are discussing the evolution of premium APIs, open finance, and the …
Shownotes
This episode features Ortwin Scheja, who is the Lead Architect of the Berlin Group and a leading expert in open banking and API standards. We are discussing the evolution of premium APIs, open finance, and the future of banking standards in Europe. Gain insights into the differences between compliance and premium APIs, and how standardization can drive innovation and reduce costs.
TPT #45 BERLIN GROUP
In this episode, we host Wijnand Machielse from Berlin Group to discuss the evolution of open banking standards and premium APIs, the challenges of harmonization across Europe, and their future in relation to …
Shownotes
In this episode, we host Wijnand Machielse from Berlin Group to discuss the evolution of open banking standards and premium APIs, the challenges of harmonization across Europe, and their future in relation to open finance, digital euro, and AI in payments.
TPT #44 AGENTIC COMMERCE
In this episode, we host Chris Jones, MD of PSE Consulting, to discuss the prospects of agentic commerce, its practical implications, consumer and merchant readiness, regulatory challenges, and the evolving …
Shownotes
In this episode, we host Chris Jones, MD of PSE Consulting, to discuss the prospects of agentic commerce, its practical implications, consumer and merchant readiness, regulatory challenges, and the evolving role of AI and liability in payment transactions.
TPT #43 PAYPAL
In this episode, we host Mathilde Bonneau and Matti Salakari from PayPal to discuss their current position in the European payments ecosystem. We cover regulation, digital innovation, and global …
Shownotes
In this episode, we host Mathilde Bonneau and Matti Salakari from PayPal to discuss their current position in the European payments ecosystem. We cover regulation, digital innovation, and global competitiveness, and we also explore their view on European payments sovereignty, PSD3/PSR, fraud prevention, and how to make wallet-based account-to-account (A2A) payments successful at the physical point of sale (POS).
TPT #42 ClearBank
In this episode, Ezequiel Canestrari, COO of ClearBank Europe explains the role of infrastructure banks, the impact of SEPA Instant payments, and their strategic move into stablecoins and cross-border payments …
Shownotes
In this episode, Ezequiel Canestrari, COO of ClearBank Europe explains the role of infrastructure banks, the impact of SEPA Instant payments, and their strategic move into stablecoins and cross-border payments. We discuss how fintechs can profit from working with sponsor banks, and the future of embedded banking in Europe.
TPT #41 EPSG
In this episode, we discuss the purpose of the European Payments Stakeholders Group (EPSG) with its chairman Torbjörn Furubjelke. We cover the role it played in harmonizing European card payments (when it was …
Shownotes
In this episode, we discuss the purpose of the European Payments Stakeholders Group (EPSG) with its chairman Torbjörn Furubjelke. We cover the role it played in harmonizing European card payments (when it was still called ECSG), and how it is now expanding this to mobile instant payments to allow consumers an easy and fair choice between all the options for making retail payments in ecommerce and at physical point of sales (POS) - together often called the point of interaction (POI).
TPT #40 INTEROPERABILITY
In this episode, we explore the complexities of interoperability in European payments, comparing greenfield solutions versus combining and leveraging existing infrastructure. We cover technical, legal, and …
Shownotes
In this episode, we explore the complexities of interoperability in European payments, comparing greenfield solutions versus combining and leveraging existing infrastructure. We cover technical, legal, and commercial challenges, and the current status of payments interoperability in Europe.
TPT #39 PAYMENTS INFRASTRUCTURE vs. SERVICES
In this episode, we have a lively discussion about the state of payments in Europe, focusing on the balance between infrastructure and service innovation. We explore cultural perspectives, the role of fintechs …
Shownotes
In this episode, we have a lively discussion about the state of payments in Europe, focusing on the balance between infrastructure and service innovation. We explore cultural perspectives, the role of fintechs, and the impact of regulation on the development of payment solutions. The conversation highlights the need for a shift towards user-oriented services and the challenges of creating a single market in Europe.
TPT #38 PAYMENTS REGULATION
In this episode, we welcome Eric Ducoulombier, who is in charge of payments regulation at the European Commission. He reflects on the successes and challenges of these regulations, particularly in the areas of …
Shownotes
In this episode, we welcome Eric Ducoulombier, who is in charge of payments regulation at the European Commission. He reflects on the successes and challenges of these regulations, particularly in the areas of open banking and fraud prevention, while acknowledging the complexities of enforcement and the role of national authorities in ensuring compliance. We discuss the balance between regulation and market solutions providing a comprehensive overview of the current state of European payments and the future challenges and opportunities that lie ahead, particularly focusing on instant payments, the upcoming PSD3 and PSR, as well as stablecoins and AI.
TPT #37 NEXUS
In this episode, we engage with Mark Munne from Nexus Global Payments (NGP) to discuss the innovative Project Nexus, which grew out of the Bank for International Settlements (BIS) and is aimed at enhancing …
Shownotes
In this episode, we engage with Mark Munne from Nexus Global Payments (NGP) to discuss the innovative Project Nexus, which grew out of the Bank for International Settlements (BIS) and is aimed at enhancing instant cross-border payment systems. We discuss the challenges of interoperability, the governance structure of Nexus, and the importance of transparency and cost reduction in international transactions. Mark shares insights on the project's goals, its operational model, and the future of global payment solutions, emphasizing the need for collaboration among central banks and payment systems.
TPT #36 E-INVOICING
In this episode, we discuss the critical topic of e-invoicing. Charles Bryant, a well-known expert in the field, shares insights on the evolution of e-invoicing, its importance in the payment process, and the …
Shownotes
In this episode, we discuss the critical topic of e-invoicing. Charles Bryant, a well-known expert in the field, shares insights on the evolution of e-invoicing, its importance in the payment process, and the global landscape of e-invoicing adoption. The conversation covers the distinction between invoices and payments, the role of standards like PEPPOL, and that of VAT and ERPs, the impact of AI, and the challenges faced by SMEs in adopting e-invoicing. The discussion emphasizes the necessity of mandating e-invoicing for widespread adoption and the potential benefits for governments, corporations, and suppliers alike.
TPT #35 B2B PAYMENTS
In this episode, we explore the often-overlooked topic of B2B payments with Erin McCune, a well-known expert on this subject. We discuss the significant market size of B2B transactions, the interests of buyers …
Shownotes
In this episode, we explore the often-overlooked topic of B2B payments with Erin McCune, a well-known expert on this subject. We discuss the significant market size of B2B transactions, the interests of buyers and suppliers, the challenges faced by SMEs, the role of fintech in transforming payment processes, and the impact of regulatory frameworks. The conversation explores the unique needs of businesses in the evolving payments landscape, the need for better solutions and the potential of stablecoins in enhancing B2B payment efficiency.
TPT #34 XMAS SPECIAL 2025
In this festive episode, we reflect on our previous year's wishes regarding the payments landscape, discuss what has come to fruition and what remains unfulfilled. We explore the challenges posed by …
Shownotes
In this festive episode, we reflect on our previous year's wishes regarding the payments landscape, discuss what has come to fruition and what remains unfulfilled. We explore the challenges posed by regulations, the importance of accountability in public institutions, and the potential of innovations like the digital euro, stablecoins and EUDI wallet. Our conversation also touches on the disappointments surrounding open banking in Europe and concludes with a hopeful outlook on the future of payments and the need for a more effective regulatory framework.
TPT #33 LEI
In this episode, we discuss the critical role of identity in payments, focusing on the Legal Entity Identifier (LEI) and its verifiable version (vLEI). Alexandre Kech, CEO of GLEIF, explains how LEIs serve as a …
Shownotes
In this episode, we discuss the critical role of identity in payments, focusing on the Legal Entity Identifier (LEI) and its verifiable version (vLEI). Alexandre Kech, CEO of GLEIF, explains how LEIs serve as a passport for organizations, facilitating cross-border payments and trade. The conversation covers the challenges of LEI adoption, the importance of organizational identity, and the need for awareness and accessibility. The panel also explores the fragmentation of identity solutions, the role of LEI in payment systems, and future plans for enhancing its use in digital commerce.
TPT #32 CROSS-BORDER
In this episode, we discuss the complexities and advancements in cross-border instant payments, focusing on OLO, the European One-Leg-Out scheme, its implications for the SEPA area, and the challenges of …
Shownotes
In this episode, we discuss the complexities and advancements in cross-border instant payments, focusing on OLO, the European One-Leg-Out scheme, its implications for the SEPA area, and the challenges of adoption. We also explore global initiatives, like SWIFT's GPI and BIS' Nexus project, how these relate to the G20 roadmap for cross-border payments, and how everything could fit together for a bright future of global instant payments.
TPT #31 DIGITAL EURO vs PRIVATE SOLUTIONS
In this episode, we host Inge van Dijk from the Dutch National Bank to discuss the implications of the digital euro. The conversation covers the necessity of state intervention in the payments market, the role …
Shownotes
In this episode, we host Inge van Dijk from the Dutch National Bank to discuss the implications of the digital euro. The conversation covers the necessity of state intervention in the payments market, the role of central banks, financial inclusion, cost implications, and the competition between private and public payment solutions. Inge emphasizes the importance of planning for the future of cash and digital payments and the need for cooperation among stakeholders. The discussion also touches on the future of stablecoins and their potential impact on the payment landscape.
TPT #30 US A2A
In this episode, we discuss payments in the US, particularly focusing on account-to-account, open banking, the role of fintech, and the impact of AI. Sarah Stapp, the Chief Commercial Officer at Aeropay, shares …
Shownotes
In this episode, we discuss payments in the US, particularly focusing on account-to-account, open banking, the role of fintech, and the impact of AI. Sarah Stapp, the Chief Commercial Officer at Aeropay, shares her insights on the current state of the US payments market, its challenges and opportunities, and the importance of standardization in APIs. The conversation also touches on the differences between the US and European markets, particularly in terms of regulation and consumer behavior.
TPT #29 EuroPA
In this episode, we host Teresa Mesquita, Executive Board Member @ SIBS in Portugal, to discuss the intricacies of European payment systems, focusing on the European Payments Alliance (EuroPA). We explore the …
Shownotes
In this episode, we host Teresa Mesquita, Executive Board Member @ SIBS in Portugal, to discuss the intricacies of European payment systems, focusing on the European Payments Alliance (EuroPA). We explore the role of MB WAY and EMPSA in this joint venture, the challenges of interoperability, the urgency for pan-European solutions, and the implications of sovereignty in payment infrastructure. The conversation also delves into the future of the digital euro and its potential impact on existing payment solutions.
TPT #28 VERIFICATION OF PAYEE
In this episode, we are discussing the Verification of Payee (VOP) concept, which has been mandated by the new Instant Payments Regulation, with our expert guest Frans C. Van Beers, who has been leading the …
Shownotes
In this episode, we are discussing the Verification of Payee (VOP) concept, which has been mandated by the new Instant Payments Regulation, with our expert guest Frans C. Van Beers, who has been leading the EPC's creation and implementation of a corresponding scheme that is about to go live across Europe. We explore the purpose of VOP, some experience from the Netherlands and the UK, user experience challenges, the role of the EPC and that of Routing & Verification Mechanisms (RVM), regulatory influences, and future developments in this area.
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