SEPA Instant will expose weak refund processes faster than merchants expect — Insights from Frederic Yves Michel NOEL
SEPA Instant is about to expose how many PSPs and merchants still run refunds on manual rails.[…]
PSPs do not need more payment methods. They need cleaner reconciliation — Insights from Frederic Yves Michel NOEL
Every new payment method a PSP adds looks like revenue growth on the roadmap slide. In the[…]
News signal: Consumer trust in agentic payments continues to lag — Insights from Frederic Yves Michel NOEL
Consumer trust in agentic payments is still lagging, and the Finextra coverage makes one thing clear: the[…]
News signal: Mastercard to boost digital wallet uptake with Wallet Pay — Insights from Frederic Yves Michel NOEL
Mastercard is pushing Wallet Pay to accelerate digital wallet adoption. Most coverage frames this as a consumer[…]
Open banking is easy to launch, but refunds are where it gets painful — Insights from Frederic Yves Michel NOEL
Open banking is easy to launch. Refunds are where it gets painful. Everyone is racing to turn[…]
Frederic Yves Michel NOEL: Stablecoin settlement is coming. Your treasury team is not ready.
Stablecoin settlement is leaving the trading desk. The next battleground is corporate treasury, and most PSPs and[…]
Frederic Yves Michel NOEL: Wero’s real test is not adoption—it’s merchant operations.
Orange just put Wero on the bill. That is the merchant adoption signal the European Payments Initiative[…]
Frederic Yves Michel NOEL: Revolut’s US bank license is not about consumers. It’s about PSP margins.
Revolut’s OCC approval isn’t a consumer banking story. It’s a margin story. Most commentary frames this as[…]
Frederic Yves Michel NOEL: Visa and Mastercard just joined the Agentic Payments Alliance. PSPs, your AI strategy is now a compliance issue.
Visa and Mastercard joining the Agentic Payments Alliance is the industry’s way of admitting that the next[…]
Mobile wallets are winning in the UK, but merchants are paying the price of fragmentation — Insights from Frederic Yves Michel NOEL
The UK is rapidly becoming one of the most wallet-dense markets in Europe. And for merchants, that[…]