Zilch’s Post

💥 Klarna’s recent entry into the Save Now, Pay Later (SNPL) market marks a pivotal moment in consumer finance. This move is likely driven by multiple factors that align with its broader business goals (IPO) and the evolving regulatory landscape. From Eliz - La Vraie Solution du Bien-être Financier ’s perspective, this move can be viewed both as a validation of our approach and as a fresh competitive challenge. 💡 Opportunities: ✅ Market validation: Klarna’s embrace of SNBL underscores the viability and demand for this financial model, reinforcing Eliz’s pioneering efforts. 😇 Increased consumer awareness: As Klarna promotes SNBL, consumer familiarity with the concept will grow, easing Eliz’s efforts to educate and attract new users. 🤝 Potential partnerships: Klarna’s involvement might stimulate interest among banks, financial institutions, and fintech companies to partner with SNBL providers like Eliz. However, we must also acknowledge the challenges. Klarna’s established brand, vast customer base, and financial muscle could make the SNBL space more competitive. There’s a risk of market saturation, and we’ll need to be vigilant about maintaining our distinct value proposition to stay ahead. 🤔 My perspective on synergies and coexistence: Klarna’s move into SNBL highlights the potential synergies between BNPL and SNBL models. BNPL caters to immediate consumer needs, while SNBL fosters long-term financial planning. Together, they offer a comprehensive financial toolkit, supporting both short-term desires and long-term goals. This synergy can enhance consumer choice and well-being, positioning Eliz as a key player in a more holistic financial ecosystem. How do you see the future of SNBL and BNPL coexisting? I’d love to hear your thoughts! #Klarna #SaveNowBuyLater #SNBL #BNPL #Fintech #ConsumerFinance #FinancialWellbeing #RegTech #Innovation

Discover’s payments network — “a very, very rare asset…the Holy Grail”—is key to understanding this deal. Talk to TriumphPay about our payments network for transportation, and how it is revolutionizing how freight invoices are submitted, settled, and paid.  #carrierpayments

Reflecting on 2023 💭 Hear from our CEO, Hannah Fitzsimons, as she looks back at 2023 and the developments and #growth we have seen this year in our final blog of this year! 📅 "At the end of 2022, I had been with Cashflows for seven months and had only just begun implementing change across the business. Now we're here at the end of 2023, feeling very much like time has flown, and I want to take this opportunity to take a moment to reflect on how far we have come over the course of the past year." - Hannah Fitzsimons, CEO, Cashflows #cashflows #payments #fintech #insights #CEO #BusinessLeaders

The #1 Reason PSPs are not able to outperform their competition on Performance is... Because they are plugged into Archaic and Monolith Card Acquiring Infrastructures built in the 1970's and 1980s. Having worked with PSPs who are still using Acquiring platforms created by (built-in 1974) and (1977), as well as creating proprietary Full Stack Acquiring platforms at Adyen, Verifone (they bought Dimebox), and Checkout.com, I like to think I know what it takes and what it doesn't take to succeed in the Cards Acquiring space. So in this week's Payments Strategy Breakdown newsletter, I explain The Modernization of Payments Infrastructure and how it provides all payment companies with new opportunities, and how they will benefit from the new wave of payment infrastructure platforms. Similar to how card issuers have done with Marqeta, Galileo Financial Technologies, and Highnote. It is a bit lengthier than my regular post, but in this edition, I will address the following: 1. What is Legacy System Modernization 2. Why do Systems need to be Modernized 3. How Legacy Payments Infrastructure Systems have been able to exist still 4. What Payments Infrastructure 2.0 entails 5. The Opportunities for Payment Companies Going Forward Every week, I share my learnings with 2,906 Payments Professionals, ranging from Visa executives to founders of founders of Y Combinator backed Payments startups, and teach them about the Strategies that help Payments companies become the large successes they are today. Miss the issue? Grab it below ↓ https://buff.ly/3OfI7fE

Great piece on the importance of a modern payments infrastructure. Silverflow offers a global, cloud native acquirer processing platform with direct connections to the card networks. Our solution gives Acquirers, PSPs, ISOs, PayFacs, and Marketplaces a modern alternative to the legacy processors they use today. One Platform One Connection. #Silverflow #paymentprocessing #payments #paymentsinnovation #cloud

Starling's profitable growth continues...Developing a unique business model combining traditional lending revenues with Banking As A Service fees... made possible by underlying modern technologies (cloud, data, ai), CX orientation & mindset and product-based organisational design.... https://lnkd.in/exzTT937

Worldpay has announced it has closed upon its previously announced sale and will now operate as an INDEPENDENT company! 💰 💳 GTCR LLC will oversee the company with a 55% majority ownership interest and FIS® will retain a 45% ownership interest; while Charles Drucker has resumed his former role as CEO 🤯 🤝 Worldpay ALSO plans to pursue strategic acquisitions across verticals and geographies with an equity capital investment of up to $1.3 BILLION to pursue these opportunities 👩💻 “Worldpay is well positioned for enhanced growth, and we look forward to continuing the strong partnership forged between our companies through our new commercial agreements,” said Stephanie Ferris, CEO and President of FIS. “I’m incredibly excited by the bright futures ahead for both FIS and Worldpay and the clients we serve.” Find out more on the link below! 👇 Adam Coyle Nabil Manji Andrew Ciafardini Sudev Balakrishnan Alex Morgan-Moodie Jamie Landheer Che Cabreros Gabriel de Montessus Phil Hogg Jim Johnson Tiffany (Williamson) Winchester Collin Roche Aaron Cohen Andrew Johnson Laurel Wolfe #worldpay #payments #globalpayments #merchantpayments #fis #paymentsnews #paymenttechnology #paymentsolutions #acquisiton #manda #paymentsindustry #payments

Exciting news! Deepak Sekar CEO of eFunder, will be sharing his expertise at the upcoming "Navigating Business Risks in E-commerce" event. This exclusive invite only event, organized by Amazon Seller Society, will provide actionable strategies for online sellers to mitigate risks and thrive in today's competitive landscape. #eFunder #SMEs #innovation #eCommerce #financing #digitalfinance #fintech #amazonsellers #cashflowsolutions #financesolutions #workingcapitalfinance

Our UK transaction data has been gaining a lot of interest in the market, so we are really excited to partner with Nasdaq! By tracking spending trends across the UK, we are helping our clients to understand brand performance, the competitive landscape, market trends, retention rates and many more key metrics. If you, your clients or your portfolio companies are looking to gain competitive insight, please reach out! #AltData #AlternativeData #SpendingInsights #RetailInsight #OpenBanking #InvestmentOpportunities #TransactionData

Great to have our article featured in Business Express about the recent technology failures that have been plaguing some of the biggest brands in retail. Our CEO Stephen Johnson gives us his thoughts on these problems and how they might be avoided in future: https://lnkd.in/eG6CMknM #QualityEngineering #Payments #Retail #LikeNoOther