Welcome to Payments &amp; 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. Timestamps0:48 Nico introduces Delphine Bos2:27 Delphine’s work with Adyen4:14 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 consumers18:32 Aplauz, a new prepaid payment method21:05 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 world29:57 Closing word of advice Please like, share, and subscribe wherever you get your favorite podcast! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; 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 Please like, share, and subscribe wherever you get your favorite podcast! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

Marketing in Payments / Fintech | Delphine Bos

Paul Smith

Welcome to Payments &amp; 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. Timestamps0:48 Guest Paul Smith introduced2:50 Paul’s move to Asia3:50 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 time7:30 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 recognition20:10 New types of data 22:50 Golden minute25:33 How Paul went from being a customs officer to a data specialist as Experian31:40 Closing words and Paul’s advicePlease like, share, and subscribe wherever you get your favorite podcast! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; 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 Please like, share, and subscribe wherever you get your favorite podcast! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

All about data strategy | Paul Smith

Welcome to Payments &amp; 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 &amp; 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 &amp; 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. Timestamps0:38 - Elodie Trichet introduced 2:46 - How Elodie got started in the industry 4:00 - Elodie’s relocation to Singapore 4:45 - Praise for Elodie5:30 - Discussing Asian consumers7:30 - 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 Payments14:00 - Discussing credit cards and private vs. public payment sectors16:20 - New generation of FinTech19:35 - Regulations in Asia20:36 - Golden minute24:28 - Elodie shares a career failure 27:15 - Closing wordsPlease rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; 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 &amp; 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 &amp; 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 Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

On the road to Asia | Elodie Trichet

Welcome to Payments &amp; 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 &amp; Business field and is passionate about innovation and user experience. With a background in Technology &amp; 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 introduced2:32 - Son’s work with Vente-Privée and Oney4:50 - Praise for Son6:32 - France’s e-commerce landscape 8:46 - Biggest hurdle for foreign merchants dealing with France12:13- Alternative payment methods emerging 16:23 - Charge only cards18:10 - French payment technology20:14 - Discussing fraud23:13 - Golden minute26:25 - Son’s experience with prestigious culinary school.  28:51 - Son shares a career failure33:45 - Closing wordsPlease rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; 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 &amp; Business field and is passionate about innovation and user experience. With a background in Technology &amp; 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 Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

The French Payments Mystery | Son Nguyen

Welcome to Payments &amp; 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 &amp; 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.Timestamps0:48 - Úna Dillon introduced 2:10 - Úna welcomed on3:16 - How Úna got started in the industry 4:05 - Explanation of MRC and their offerings10:05 - Praise for Úna11:18 - Úna’s time with the national debit card scheme in Ireland15:35 - Biggest concerns of merchants right now 22:00 - Trends and new solutions emerging in the market24:40 - Úna’s predictions for the industry in the next 5 years 27:11 - AI regulations and fraud prevention29:08 - Golden minute 32:00 - Personal note 37:15 - Closing words and Úna’s advicePlease rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; 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 &amp; 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 Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

MRC - Advocacy for a better future in the Payments sector | Úna Dillon

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.Tune in to this episode of the Payments &amp; 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. Timestamps0:38 - Catherine Tong is introduced1:30 - Catherine welcomed on2:30 - Catherine discusses her early days at Tesco6:50 - Nico asks Catherine her opinion on SCA17:43 - What would Catherine say to merchants about SCA19:45 - Women in payments. European Women in Payments Network (EWPN).26:23 - Catherine shares a few personal anecdotesPlease rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz. Tune in to this episode of the Payments &amp; 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 Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

SCA / Diversity in Payments | Catherine Tong

Welcome to Payments &amp; More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.In today’s episode, Peter Bayley joins the conversation. Peter has 30 years of experience in the payment industry and most recently joined the Allyiz team. After over three years at Santander, Peter spent nearly 20 years heading up the risk and fraud strategy for Visa. During his time at Visa, he held various roles as the Global Head of Ecosystem Risk Oversight and Strategy and also served as Visa’s Global Head of Fraud Strategy &amp; Exec Director Ecosystem Risk, Europe. Additionally, Peter has been named to the Global Board of Directors for the Merchant Risk Council in 2014, a global forum for e-commerce fraud and payments professionals.The conversation starts with Peter’s views on acquisitions, payment methods, and recommendations to de-risk the payment business.  Nico and Peter also discuss the importance of liability, risk, and motivation. Find out about opti-mizing the relationships of those involved with the fraud and chargebacks being incurred. Learn about a proactive strategy and how systems are diversifying and becoming more sophisticated. They chat about security related acquisitions and acquisition “bubbles”. Where is the future going with schemes? Is there a plan for a European system? Peter shares his ideas on the effectiveness of the plans already in place and how there would need to be a considera-ble uniqueness to whatever people may present for it to take root. Find out the three things he says people need to consider—from understanding how the system works, to having data feeds and relevant info, and the agility to do something about the recognized problems.  And don’t miss out on the importance of looking at your data! Please review, share, and subscribe where you listen to your favorite podcasts! Timestamps:0:47 Guest Peter introduced1:47 Peter welcomed on4:04 Praise for Peter5:38 Key principals to de-risk the payment system8:35 Where is the trend going?13:48 Top 3 merchant questions17:15 What’s the end game?22:00 The “bubble” in acquisitions23:35 Diversifying and alternative payment methods30:00 A European plan?32:08 Golden Minute 36:40 Failure and lesson learned40:35 Peter’s dream present42:55 One word to the industry: dataPlease like, share and subscribe wherever you get your favorite podcasts! Check out the full episode notes at www.allyiz.com

Welcome to Payments &amp; More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz. In today’s episode, Peter Bayley joins the conversation. Peter has 30 years of experience in the payment industry and most recently joined the Allyiz team. After over three years at Santander, Peter spent nearly 20 years heading up the risk and fraud strategy for Visa. During his time at Visa, he held various roles as the Global Head of Ecosystem Risk Oversight and Strategy and also served as Visa’s Global Head of Fraud Strategy &amp; Exec Director Ecosystem Risk, Europe. Additionally, Peter has been named to the Global Board of Directors for the Merchant Risk Council in 2014, a global forum for e-commerce fraud and payments professionals. The conversation starts with Peter’s views on acquisitions, payment methods, and recommendations to de-risk the payment business. Nico and Peter also discuss the importance of liability, risk, and motivation. Find out about opti-mizing the relationships of those involved with the fraud and chargebacks being incurred. Learn about a proactive strategy and how systems are diversifying and becoming more sophisticated. They chat about security related acquisitions and acquisition “bubbles”. Where is the future going with schemes? Is there a plan for a European system? Peter shares his ideas on the effectiveness of the plans already in place and how there would need to be a considera-ble uniqueness to whatever people may present for it to take root. Find out the three things he says people need to consider—from understanding how the system works, to having data feeds and relevant info, and the agility to do something about the recognized problems. And don’t miss out on the importance of looking at your data! Please review, share, and subscribe where you listen to your favorite podcasts! Timestamps: 0:47 Guest Peter introduced 1:47 Peter welcomed on 4:04 Praise for Peter 5:38 Key principals to de-risk the payment system 8:35 Where is the trend going? 13:48 Top 3 merchant questions 17:15 What’s the end game? 22:00 The “bubble” in acquisitions 23:35 Diversifying and alternative payment methods 30:00 A European plan? 32:08 Golden Minute 36:40 Failure and lesson learned 40:35 Peter’s dream present 42:55 One word to the industry: data Please like, share and subscribe wherever you get your favorite podcasts! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

Issuers, Acquirers and Schemes perspectives | Peter Bayley

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.In this episode, Nico chats with Rossini about how to deal with payments in complex markets, why having the payment function and finances is not a bad idea, and how to manage multiple stakeholder relationships in payments.Learn about the often-forgotten side of the costs of payment until margins are considered, and how this is dependent on whether payments are considered from a financial or sales perspective. Rossini shares her experience managing multiple payment providers and what her journey to creating such a large organization looked like. She chats about how there were millions of transactions being processed daily and how she considered them to be a revenue center, rather than a cost center. She goes on to talk about Symantec’s cost structure and the 2-billion-dollar figure she dealt with.As a payment provider, she’s seen it all. Listen to Rossini’s opinion about the shape of the market today as she considers the past and looks forward to the future. She sees innovation with payment providers to ease merchant connection, but the challenge is their lack of attention to merchants.In wrapping up this episode, Nico finds out what Rossini sees as the “game-changer” for the industry in 2021 with the mindset shift towards offering payments that consumers prefer.Timestamps:0:48 Guest introduced1:33 Rossini welcomed4:10 Minute of praise and her time at Symantec9:03 Call from Norton13:23 Multiple payment providers 17:22 Symantec and cost structure21:05 Optimal set up and her move24:42 The shape of the market27:15 Emerging markets, convenience, and pay later30:50 Game-changer for 202132:59 Golden minute34:32 Personal questions39:17 Final reminderLike, share and subscribe wherever you get your favorite podcasts! Check out the full episode notes at www.allyiz.com

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz. In this episode, Nico chats with Rossini about how to deal with payments in complex markets, why having the payment function and finances is not a bad idea, and how to manage multiple stakeholder relationships in payments. Learn about the often-forgotten side of the costs of payment until margins are considered, and how this is dependent on whether payments are considered from a financial or sales perspective. Rossini shares her experience managing multiple payment providers and what her journey to creating such a large organization looked like. She chats about how there were millions of transactions being processed daily and how she considered them to be a revenue center, rather than a cost center. She goes on to talk about Symantec’s cost structure and the 2-billion-dollar figure she dealt with. As a payment provider, she’s seen it all. Listen to Rossini’s opinion about the shape of the market today as she considers the past and looks forward to the future. She sees innovation with payment providers to ease merchant connection, but the challenge is their lack of attention to merchants. In wrapping up this episode, Nico finds out what Rossini sees as the “game-changer” for the industry in 2021 with the mindset shift towards offering payments that consumers prefer. Timestamps: 0:48 Guest introduced 1:33 Rossini welcomed 4:10 Minute of praise and her time at Symantec 9:03 Call from Norton 13:23 Multiple payment providers 17:22 Symantec and cost structure 21:05 Optimal set up and her move 24:42 The shape of the market 27:15 Emerging markets, convenience, and pay later 30:50 Game-changer for 2021 32:59 Golden minute 34:32 Personal questions 39:17 Final reminder Like, share and subscribe wherever you get your favorite podcasts! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

Should Payments report to Treasury? | Rossini Zumwalt

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.Today’s guest is Diarmuid Considine (aka Consi), award-winning and internationally recognised Fraud and Risk Management Thought Leader and Subject Matter Expert with two decades of strategic and operational experience. From the front line of fraud investigations all the way up to the Global Board of the Merchant Risk Council, Consi brings a passion and perspective on Profitable risk management that is always topical and relevant.Listen in to hear how to position payment and fraud as a profit center in your company, find out his opinion of fraud solution market and hear about his call to action for the industry. Find out how Consi was incentivized to come up with profiling and analytics to generate revenue that would have otherwise been blocked after his team had effectively reduced costs but had missed the target for revenue generation.How many people a company should have working on fraud and payment internally? Tune in to find out Consi’s point of view.Moving the focus to technology, he also chats about what catches his attention with considering the life cycle of a transaction.Finally, listen to Consi’s perspective on the opportunity that exists to connect the merchants and issuers. Timestamps: 0:47 Consi introduced 1:28 Consi welcomed on3:44 Moment of praise for Consi4:25 Fraud prevention as a profit center7:40 Minimum of workers internally?9:58 Will there always be fraud?12:26 Fraud solutions necessary to preserve margins13:30 Technology that is catching his eye19:44 Document centric ID proofing21:29 Schemes and alternative methods in the payment ecosystem23:52 Golden Minute26:58 Story of time in Bolivia 28:35 Last wordsPlease rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz. Today’s guest is Diarmuid Considine (aka Consi), award-winning and internationally recognised Fraud and Risk Management Thought Leader and Subject Matter Expert with two decades of strategic and operational experience. From the front line of fraud investigations all the way up to the Global Board of the Merchant Risk Council, Consi brings a passion and perspective on Profitable risk management that is always topical and relevant. Listen in to hear how to position payment and fraud as a profit center in your company, find out his opinion of fraud solution market and hear about his call to action for the industry. Find out how Consi was incentivized to come up with profiling and analytics to generate revenue that would have otherwise been blocked after his team had effectively reduced costs but had missed the target for revenue generation. How many people a company should have working on fraud and payment internally? Tune in to find out Consi’s point of view. Moving the focus to technology, he also chats about what catches his attention with considering the life cycle of a transaction. Finally, listen to Consi’s perspective on the opportunity that exists to connect the merchants and issuers. Timestamps: 0:47 Consi introduced 1:28 Consi welcomed on 3:44 Moment of praise for Consi 4:25 Fraud prevention as a profit center 7:40 Minimum of workers internally? 9:58 Will there always be fraud? 12:26 Fraud solutions necessary to preserve margins 13:30 Technology that is catching his eye 19:44 Document centric ID proofing 21:29 Schemes and alternative methods in the payment ecosystem 23:52 Golden Minute 26:58 Story of time in Bolivia 28:35 Last words Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

Payments & Fraud Prevention as a profit center | Diarmuid Considine

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz.Today’s guest is Mark Walick. Mark has been working in the online payments industry for over 20 years. As the head of payments product for GSI Commerce, Mark focused on enabling payments, mitigating risk and managing chargebacks for some of the most notable brands in the world. The second half of his tenure has been at Apple and Google, building world class fraud mitigation solutions and products to address the much larger issue of false declines. Born and raised on the east coast, Mark lives in sunny CaliforniaIn this episode, Mark shares his views on data fraud prevention and AI orchestration. He explains his position concerning outsourcing and the importance to have commitment for data sciences but also for tools and adjustments.Mark discusses the rising artificial intelligence and strategy behind tracing the dollar to see who is benefitting from the cash flow. He emphasizes his concern for this becoming a for-profit situation when it should not be.Find out more about his time at Apple and how this was a challenging transition both personally and professionally! Finally, Mark leaves the listeners with these final words: look at your data.Timestamps: 0:49 Mark introduced1:32 Welcome Mark3:00 Praises for Mark3:49 Is he still learning?4:37 Issues despite data available 6:05 Position on outsourcing7:58 Chargeback warranty companies 10:40 Latest technology13:50 Concern for profiting from this 16:35 Golden Minute20:27 Acceptance optimization25:45 When did he fail?28:10 Look at your data Please rate this episode, share, and subscribe! Check out the full episode notes at www.allyiz.com

Welcome to Payments and More, Allyiz Show hosted by Nico Vedrenne, CEO Allyiz. Today’s guest is Mark Walick. Mark has been working in the online payments industry for over 20 years. As the head of payments product for GSI Commerce, Mark focused on enabling payments, mitigating risk and managing chargebacks for some of the most notable brands in the world. The second half of his tenure has been at Apple and Google, building world class fraud mitigation solutions and products to address the much larger issue of false declines. Born and raised on the east coast, Mark lives in sunny California In this episode, Mark shares his views on data fraud prevention and AI orchestration. He explains his position concerning outsourcing and the importance to have commitment for data sciences but also for tools and adjustments. Mark discusses the rising artificial intelligence and strategy behind tracing the dollar to see who is benefitting from the cash flow. He emphasizes his concern for this becoming a for-profit situation when it should not be. Find out more about his time at Apple and how this was a challenging transition both personally and professionally! Finally, Mark leaves the listeners with these final words: look at your data. Timestamps: 0:49 Mark introduced 1:32 Welcome Mark 3:00 Praises for Mark 3:49 Is he still learning? 4:37 Issues despite data available 6:05 Position on outsourcing 7:58 Chargeback warranty companies 10:40 Latest technology 13:50 Concern for profiting from this 16:35 Golden Minute 20:27 Acceptance optimization 25:45 When did he fail? 28:10 Look at your data Please rate this episode, share, and subscribe! Check out the full episode notes at <a href="http://www.allyiz.com" rel="nofollow" target="_blank">www.allyiz.com</a>

Future of Data in Payments & Fraud | Mark Walick

Fresh perspectives and insights from professionals with remarkable journeys in Payments &amp; More! Join us to hear the stories and lessons these successful women and men have learned along the way and their views on what is hot in the payment space now and what is coming next.

Welcome to Payments &amp; More, Allyiz Show.Fresh perspectives and insights from professionals with remarkable journeys in Payments &amp; More! Join us to hear the stories and lessons these successful women and men have learned along the way and their views on what is hot in the payment space now and what is coming next.Hosted by Nico Vedrenne, CEO Allyiz.

Welcome to Payments &amp; More, Allyiz Show. Fresh perspectives and insights from professionals with remarkable journeys in Payments &amp; More! Join us to hear the stories and lessons these successful women and men have learned along the way and their views on what is hot in the payment space now and what is coming next. Hosted by Nico Vedrenne, CEO Allyiz.

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Payments & More - Allyiz Show

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