Enhanced Payment Solutions

𝐓𝐨𝐩 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐓𝐫𝐞𝐧𝐝𝐬 by Capgemini (Part 2) — POS Innovations & Cross Border Payments Deep dive into the latest changes for in-store & the Cross-Border ecosystem! —— #3: 𝐏𝐎𝐒 𝐈𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧𝐬 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 & 𝐁𝐚𝐜𝐤𝐠𝐫𝐨𝐮𝐧𝐝: Point-of-sale (POS) innovations are driving the future of payments, with a focus on the rise of contactless payments, mobile wallets, and biometric authentication at POS terminals. 𝐊𝐞𝐲 𝐈𝐦𝐩𝐚𝐜𝐭𝐬: ► Retailers — Reduced transaction times, lower hardware costs, and a better in-store experience. ► Consumers — Faster, more secure, and convenient payments. ► Financial Institutions — Increased transaction volumes and data insights. 𝐊𝐞𝐲 𝐀𝐜𝐜𝐞𝐥𝐞𝐫𝐚𝐭𝐨𝐫𝐬: ► Contactless Payments ► Mobile POS Solutions ► Biometric Authentication ► Cloud-based POS 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬: ► Businesses — Fast, secure checkouts and enhanced customer loyalty programs. ► Consumers — Seamless and quick payments for everyday purchases. ► Retailers — Enhanced inventory and sales tracking through POS systems integrated with back-office systems. 𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬: 🔸 Square: Enabling small businesses with mobile POS solutions and integrated payment tools. 🔸 Stripe: Offering POS innovations for e-commerce and in-store payments through integrated solutions. i.e. Revolut | J.P. Morgan | Adyen | Payplug | Verifone | Getnet —— #4: 𝐂𝐫𝐨𝐬𝐬 𝐁𝐨𝐫𝐝𝐞𝐫 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 & 𝐁𝐚𝐜𝐤𝐠𝐫𝐨𝐮𝐧𝐝: Cross-border payments innovation focuses on reducing transaction costs, improving speed, and ensuring security while dealing with multiple currencies and regulations. 𝐊𝐞𝐲 𝐈𝐦𝐩𝐚𝐜𝐭𝐬: ► Banks & FinTechs — New revenue streams through cross-border transaction services. ► Businesses — Enhanced global reach, real-time payments, and reduced foreign exchange fees. ► Consumers — More affordable and faster international money transfers. 𝐊𝐞𝐲 𝐀𝐜𝐜𝐞𝐥𝐞𝐫𝐚𝐭𝐨𝐫𝐬: ► Blockchain Technology (incredible cross-border network) ► Payment Platforms: PayPal, Wise, Payoneer and Revolut are making cross-border payments cheaper & faster. ► Instant Cross-Border Payments ► Regulatory Harmonization 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬: ► Businesses — Global trade, international supplier payments, and faster receivables. ► Consumers — Remittances, cross-border e-commerce, and travel-related payments. ► Financial Institutions — Partnerships with payment hubs and cross-border clearinghouses. 𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬: 🔸 Wise: Offering transparent, low-cost international payments for both businesses and consumers. 🔸 Ripple: Leveraging blockchain to streamline cross-border payments with lower fees and faster settlement times. i.e. WorldFirst | Partior | Paddle — 🚨 Next up 🚨 5️⃣ — Composable cloud-based Payments Hubs 6️⃣ — Multi-rail Payment Strategy Get ready, it is just the beginning! —— Source: Capgemini ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 : https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost

This is a brilliant example of how we're solving real-world payment challenges at Yuno. We've all been there. That frustrating moment at the boarding gate when you realize you need to pay extra for your carry-on. It's a pain point that creates friction for everyone involved. What excites me about VivaAerobus "Express Checkout" feature is its elegance and simplicity. By leveraging QR codes and a streamlined checkout process, we've turned a potential bottleneck into a smooth experience. Here's why this works so well: · It addresses a specific pain point in the customer journey. · The solution is mobile-first, meeting customers where they are. · It speeds up the process for both the airline and the passenger. · The implementation is straightforward, requiring minimal changes to existing infrastructure. This approach embodies what we strive for at Yuno: Making payments seamless and invisible. While developed for VivaAerobus, this concept can be adapted by airlines worldwide. Juan's post reminds me why I love working in fintech: We have the power to make tangible improvements in people's daily lives through smart, innovative payment solutions.

Thrilled to share the spring edition of Worldpay’s Innovation Focus, focusing on our latest innovations each designed to help businesses expand globally, optimize revenue and fraud exposure, and run more efficiently. Here are some highlights: 🌎 New market expansion into Mexico and Colombia  🌍 20+ new alternative payment methods including Affirm, MBWAY, WeChatPay and Oxxo—so customers can pay how they want, wherever they are 💱 Dynamic currency conversion at POS— in an additional 30+ currencies ☕ Omnichannel enhancements with pay-at-table and counter functionality for flexible checkout 📲 Worldpay 360: an all-in-one business management system for U.K. small businesses 💸 Immediate retries: automatic payment retries to reduce failed transactions 🤖 AI-powered dynamic debit routing—28% average savings for enterprise clients 🔒 Smarter 3DS with 3DS Flex—more approvals, less friction 🔐 Acquirer-agnostic token vault for greater control and flexibility 💼 Instant working capital for merchants—no lengthy paperwork, no waiting 🔁 Account Updater to reduce churn and failed recurring payments 🛡 Streamlined PCI compliance with SaferPayments—easy onboarding, simple UI 💳 PushtoWallet payouts in local currencies and real-time ⚡ Faster refunds in 30 minutes, across 120+ currencies 💷 Live and forward FX tools to help manage currency risk 🧾 Virtual cards for streamlined supplier payments 🤝 Split funding capabilities for EMEA marketplaces 📊 Enhanced small business portal: real-time insights and easier onboarding ✈️ Enriched transaction data for airlines 🔌 More provider integrations for sharper enterprise insights And that’s just the beginning! 👇 Link below to our latest edition of Innovation Focus in the comments Explore what this means for your business! #InnovationFocus #Worldpay #PaymentsTechnology #GlobalCommerce #SmartPayments

Did Yuno 💜 ☕️ Payments evolution: → Payments 1.0 • That was your basic card processing.  • Remember when mag stripe and no stored card services? Yeah, that era.  • It was all about getting e-commerce set up and running. → Payments 2.0 • You had players like Adyen and Stripe coming in with their API-first approach.  • Suddenly, integrating payments became a whole lot easier.  • Wallets and new local payment methods emerged. • You could set up end-to-end payments in and out without breaking a sweat. → Payments 3.0 • Real, end-to-end orchestration of your entire fund flow. • You can not only accept payments but also optimize the entire payment journey with more customer customization. • From the moment a customer decides to pay all the way to the end recipient getting their money. Payments 3.0 is about asking the tough questions. Do you have end-to-end fund flow orchestration through multiple providers?  Can you expand to new markets at the drop of a hat?  Are you optimizing every single transaction for cost, auth rate, efficiency? Are you tokenizing across multiple providers and securing data without any risk to the business? Is your checkout tailored to each customer in each region? But most companies out there are still stuck in the 2.0 mindset. Global companies need a system that allows them to: 1. Handle hundreds of providers with seamless integration 2. Optimize routes in real-time for maximum efficiency 3. Implement robust tokenization for enhanced security 4. Monitor transactions end-to-end with our new "Monitors" product 5. Manage the entire payment lifecycle, from funds in to funds out 6. Flexibly adapt to conquer new markets with ease and have checkouts tailored for each customer That’s what Yuno is here for. P.S. I’m starting a “Did Yuno?” series where I dive into lesser-talked-about topics in the payments space. This is the first post of this series. If you liked it, let me know and I’ll write some more! #payments #orchestration #ecommerce #marketplace #processing #globalpayments #thoughtleadership #leadership #DidYuno

AI is transforming payments at every touchpoint, creating real business value through smarter processes and better customer experiences. 🚀 As I prepare for my keynotes this fall on AI implementation in payments, innovation leaders consistently ask me about practical deployment strategies that deliver ROI while meeting regulatory requirements. More and more, the conversation is shifting from “Should we use AI?” to “What’s the best way to deploy it for impact?” Here's how AI enhances key areas across the payments journey: 🔹 Authorization optimization: AI reduces false declines through real-time validation, directly impacting revenue and customer satisfaction. 🔹 Automated processing: AI streamlines invoice handling and reconciliation, especially valuable for complex industries like healthcare where manual processes create significant bottlenecks. 🔹 Enhanced fraud protection: With fraudsters increasingly leveraging AI, modern detection systems need to monitor thousands of behavioral signals while strengthening KYC processes. 🔹 Contextual solutions: AI helps recommend the right tools based on actual usage patterns, creating more personalized experiences that drive engagement. 🔹 Simplified activation: AI makes implementation more straightforward, reducing time-to-value for new payment technologies. Success requires three key elements: 🏢 Building systems with embedded controls for regulatory compliance 🤝 Partnering with providers who have proven AI models (not just promises) 🪢 Ensuring cross-functional alignment around clear goals Want to know where I’ll be sharing more about these strategies this fall? PaymentsFirst U.S. Faster Payments Council UMACHA NEACH Payments Group Currency Research And a TON of on-demand workshops and webinars! ✨ #paymentselsa #payments #artificialintelligence #innovation