Digital Product Passports will soon be mandatory for many goods being sold in the EU. But what exactly are they? Why are they needed? And what benefits can they bring for retailers, brands and consumers? Find out the answers from Anouk Gerritsen (CSR Specialist at JOG Group) and Edwin Diender (Chief Innovation Officer for the Enterprise Business Group at Huawei). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hu...
Jun 24, 2025•38 min•Season 2Ep. 18
Why are bigger merchants becoming more interested in SoftPOS? How are they using it? What benefits does it bring for them? And are consumers happy to pay this way? Find out the answers from David Poole (SoftPOS expert with over 20 years’ experience in payments), Mark McMurtrie (award-winning independent consultant focused on payments and fintech) and Frederic Frizzarin (Head of Presales for Retail at Worldline). Season 2 of the Navigating Digital Payments podcast coincides with the publication o...
Jun 11, 2025•36 min•Season 2Ep. 17
In this episode, our guest Hugh McCarthy (Business Development Manager for eCommerce at Worldline) helps David imagine a trip to watch the Eurovision song contest, and how Dynamic Currency Conversion (DCC) might impact their experience. What is DCC? How does it work? And what benefits does it bring for consumers and merchants? Find out great insights from Hugh into each of these questions in this entertaining episode of Navigating Digital Payments. Season 2 of the Navigating Digital Payments pod...
May 12, 2025•36 min•Season 2Ep. 16
What will merchants have to tackle in 2025? What will they have to start preparing for? And what payment related trends might take them by surprise? Find out the answers from Mark McMurtrie (award-winning independent consultant focused on payments and fintech and Payments Association Ambassador) and Mike Lee (Account director at Worldline Enterprise Merchant Services). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discov...
Nov 19, 2024•34 min•Season 2Ep. 16
Why is local commerce important? What challenges are smaller retailers facing? What solutions can help them and what support do they need? In this episode we find out the answers from Sunil Rongala (SVP for Strategy, Innovation and Analytics for Worldline South Asia and Middle East). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub's Navigating Digital Payments report which you can download by visiting ...
Oct 17, 2024•32 min•Season 2Ep. 15
How do roundup donations work? Why do consumers want to donate in this way? And what benefits can it bring for merchants? Find out the answers to all this and more from Cesc Carbó (Director of Strategic Partnerships at Worldcoo) and David Valero (Head of Global Accounts Retail & Country Manager at Worldline Merchant Services, Iberia). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub's Navigating Digital Pa...
Sep 10, 2024•38 min•Season 2Ep. 14
The current proposals for the Digital Euro include the facility to make payments completely offline. But why is this feature important? How will it be implemented? And how can the challenges of usability, anonymity, and preventing fraud be addressed? We find out from two people closely involved in the prototyping of offline payments: Sylvain Fourny (Portfolio Manager for Digital Banking at Worldline) and Ramuntcho Goyenetche (CBDC Delivery Manager at Worldline). Season 2 of the Navigating Digita...
Aug 28, 2024•25 min•Season 2Ep. 13
The European Central Bank has started the preparation phase for a potential Digital Euro, but what might it look like? When will it be launched? What benefits could it bring? And what will the impact be for banks, merchants and consumers? We find out out from Thibault Pele (Head of Digital Currency at Worldline) and Clement Jozwiak (Chief Product Officer at Worldline Financial Services). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of t...
Jul 08, 2024•32 min•Season 2Ep. 12
What is the carbon footprint of a digital payment? How does it compare to cash? How can it be reduced and what action does this require from merchants, banks and regulators? Find out in this interview with Patrice Geoffron (Professor of Economics at University Paris-Dauphine-PSL) and Sebastien Mandron (CSR Officer at Worldline) where they share the results of a recent study examining the carbon impact of payments. You can download the study "Accelerating the decarbonisation of payments" by visit...
Jul 02, 2024•30 min•Season 2Ep. 11
What is meant by augmented reality, virtual reality and extended reality? How are these technologies being used by merchants? And what will this mean for payments? We get answers to all these questions and more from Sven van de Perre (Creative and Business Architect and co-founder of Tropos AR) and Jonathan Sauer (Innovation manager for Worldline Financial Services Benelux). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline ...
Jun 20, 2024•38 min•Season 2Ep. 10
AI is increasingly entering our everyday lives, but what ethical questions does this raise? What does it mean for how AI systems should be built? What regulatory changes are impacting this area? And what do banks and merchants need to take into account as they apply this technology? Find out in this fascinating discussion with two of Worldline's AI experts: Charlotte Pasqual (R&D Project Manager) and Yacine Kessaci (Senior AI Scientist). Season 2 of the Navigating Digital Payments podcast co...
Apr 23, 2024•33 min•Season 2Ep. 9
With eIDAS2, soon every EU citizen will have access to an EU-wide digital identity wallet. What benefits will this bring for merchants and consumers? What are some of the potential hurdles with achieving this vision and how can they be overcome? And what else will the future of digital identity bring? Find out all of this and more in this podcast episode with Marie Austenaa (Head of Digital Identity in Europe for Visa) and Colombe Herault (R&D manager at Worldline). Season 2 of the Navigatin...
Mar 27, 2024•35 min•Season 2Ep. 8
What are the longer-term overarching shifts in the drivers of the payment industry? How will these changes impact merchants and consumers? And what are the essential ingredients for any successful payment method? In this in-depth interview, discover insights on each of these questions from Worldline’s CEO Gilles Grapinet, as well as finding out where he sees the future going and why he finds the payment industry both exciting and fascinating. Season 2 of the Navigating Digital Payments podcast c...
Mar 12, 2024•38 min•Season 2Ep. 9
What key developments in payments did we see in 2023? What impact will they have this year? And what action do merchants need to take as a result? Find out the answers from Mark McMurtrie (an award-winning independent consultant focused on payments and fintech) and Frederic Frizzarin (who leads the pre-sales team at Worldline Merchant Services). They share their insights and perspectives as part of the build-up to the Mastering the Art in Payments Excellence Workshop taking place in London on th...
Feb 06, 2024•30 min•Season 2Ep. 6
What is alt-commerce? What are current examples of it? Are there regional differences? What threats and opportunities does it create for merchants? And what do they need to do now to take advantage of this trend? Find out all this and more in this podcast featuring Jie Xue who works on product strategy at Worldline and is a member of the Worldline Discovery Hub. Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub...
Jan 23, 2024•29 min•Season 2Ep. 5
What benefits do digital receipts offer to consumers and merchants? What are the challenges with implementing them? And what exciting new developments are on the horizon? Find out the answers to all of this and more from Chris Moore, Director of International Business at ReceiptHero. Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub's Navigating Digital Payments report which you can download by visiting world...
Jan 18, 2024•32 min•Season 2Ep. 4
How people shop continues to change. Whether it’s new channels like chat commerce, new models like subscription of rental, or whole new classes of sellers like content creators. But which long-term trends do merchants really need to be paying attention to now? We find out from Geoff Barraclough, (Founder of The Business of Payments) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the s...
Dec 12, 2023•33 min•Season 2Ep. 3
What will banking look like in 10-20 years’ time? What will be the big changes and how will these impact banks, merchants, and consumers? We find out the answers from Rik Coeckelbergs, (Founder and Managing Director of The Banking Scene) and Inna Kostiuk (Global Partner Manager at Worldline Merchant Services). Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub's Navigating Digital Payments report which you can d...
Nov 24, 2023•38 min•Season 2Ep. 2
Digital identity is gaining momentum. What do you need to do to be ready for this change? What use cases will it enable? What does it mean for banks, retailers and consumers? We cover all this and more with Dr Michael Salmony, an internationally recognised leader on strategy of business innovations in digital and financial services. Season 2 of the Navigating Digital Payments podcast coincides with the publication of the second edition of the Worldline Discovery Hub's Navigating Digital Payments...
Oct 18, 2023•29 min•Season 2Ep. 1
What impact does fraud have on businesses and individuals? How is fraud changing? And what advances are on the horizon for fraud detection and prevention? We get answers to all these questions and more from Worldline data scientist Bobby Rohrkemper. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the Worldline Discovery Hub which you can download by visiting worldline.com and selecting Resources | Innovation To send us feedback o...
Sep 26, 2023•23 min•Season 1Ep. 9
How can retailers embrace re-commerce and rental to boost sustainability and delight their customers? And what is the impact on payments? In this episode we are joined by Julie Delignon (Head of Sustainable Development and Circular Economy at Decathlon, France) to discover what Decathlon has been doing in this area, how their customers have reacted, the lessons they've learned and how it could evolve into the future. Each episode of season 1 of Navigating Digital Payments is based on a chapter f...
Aug 14, 2023•33 min
Which payment trends do merchants really need to be paying attention to in 2023 and what action should they be taking now? In this episode we tackle this question with Geoffrey Barraclough (Founder of The Business of Payments) and Inna Kostiuk (Global Partner Manager for Worldline Merchant Services) to cover several hot trends: checkoutless stores, open banking, the cashless society, SoftPOS, ISVs, crypto currencies and generative AI. Each episode of season 1 of Navigating Digital Payments is ba...
Aug 02, 2023•41 min
How are business models changing? What makes people choose rental, subscription and sharing models? And what do these changes mean for payments? We explore all of this and more with Johan Maes, Head of Worldline Labs Trust & Intelligence. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the Worldline Discovery Hub which you can download by visiting worldline.com and selecting Resources | Innovation To send us feedback or let us k...
Jul 24, 2023•18 min•Season 1Ep. 8
Payments and other financial products are increasingly being embedded into other solutions - but how will this trend impact merchants and consumers? In this episode we are joined by Panagiotis Kriaris (Head of Business Development at Unzer) and Inna Kostiuk (Global Partner Manager for Worldline Merchant Services) to cover what embedded finance means, use cases that are being implemented now, some of the main challenges and what the future will bring. Each episode of season 1 of Navigating Digita...
Jul 17, 2023•31 min
Hear about innovations in chargeback fraud prevention from Alex Zeltcer, co-founder and CEO of nSure.ai who covers what specific challenges are faced, geographical variations, how it can be improved and what he thinks the future will bring. Each episode of season 1 of Navigating Digital Payments is based on a chapter from the 2021 report published by the Worldline Discovery Hub which you can download by visiting worldline.com and selecting Resources | Innovation To send us feedback or let us ...
Jun 21, 2023•44 min
Despite the fact that PSD2 was introduced way back in 2019, Open Banking payment transactions are still a tiny fraction of total payment volumes. Will it grow? Are we going to see other innovations driven by Open Banking? What more radical disruptions could it bring? We find out from our guest Dr Michael Salmony, Internationally recognised leader on strategy of business innovations in digital and financial services, with a particular focus on Payments, Open Finance, FinTech, Digital Identity and...
May 09, 2023•29 min
With many alternative payment methods appearing on the market, such as account-to-account, mobile wallets and CBDSs, what does the future look like for card payments? We find out from our guests Angelo Caci, Managing Director of Syrtals Cards & Beyond and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We look back at how cards have risen to become a ubiquitous digital payment method today. Then we look at alternatives to card payments, exploring why some of them have b...
Mar 21, 2023•45 min
In this episode, we tackle the questions of whether regulations promote or stifle innovation in payments with our guests Sylvie Calsacy (Head of Public and Regulatory Affairs at Worldline) and Jonathan Sauer (Innovation Manager for Worldline Financial Services in Benelux). We discuss what it means to be innovative, what stimulates innovation and what some of the key regulatory shifts in payments have been. Then we go on to consider how the regulatory landscape is set to evolve and how this might...
Mar 16, 2023•26 min•Season 1Ep. 7
How will the world of payments change in 2023? What will be the big trends and what will take people by surprise? We find out from our guests Rik Coeckelbergs, Founder and Managing Director of The Banking Scene and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We look back at the main trends and changes in 2022 which will impact the payment landscape in 2023 and beyond. Then we look forward to the main trends for 2023 before finally looking at what unexpected changes may ...
Feb 14, 2023•29 min
In this episode, we discuss the factors that drive conversion rates with Frank Roessig, Head Digital Trust Solutions at Proximus and Inna Kostiuk, Global Partner Manager for Worldline Merchant Services. We clarify what is meant by omni-channel, the impact it has, and how it compares to multi-channel and opti-channel strategies. Then we look at the key challenges retailers face with implementing a great omni-channel experience and market developments in this area. Each episode of season 1 of Navi...
Feb 07, 2023•33 min
