Leaders In Payments and FinTech - The EDC Podcast with Martin Koderisch Martin Koderisch

This week we meet Shiraz Ritwik Head of Banking, Payments, Insurance sectors at LatentView Analytics. LatentView Analytics Ltd. is a fast-growing digital analytics firms that helps companies combine digital and traditional data to drive digital transformation and gain a competitive advantage. In our conversation we discuss how organisations can build and optimize their data strategies to unlock the full potential of their data, and how to define a data roadmap based on an organisation’s operational maturity. Shiraz shares some insightful case studies on how advanced analytics and AI can be used to streamline financial processes, prevent fraudulent transactions & gain a connected view of data from marketing campaigns. Some great tips and insights so I do hope you enjoy this conversation with Shiraz Ritwik from LatentView Analytics.

This week, we meet up with Sergio Fogel who calls in from Uruguay’s capital city Montevideo. Sergio is co-founder co president and chief strategy officer of dLocal, which is Uruguay’s leading FinTech. dLocal provides cross border payments, infrastructure, connecting global merchants to customers in emerging markets in Africa, Asia, and Latin America. Establish in 2016, dLocal has become Uruguay’s first fintech unicorn, and only the second Uruguayan company to list on wall street, which it did in June 21. In our conversation, we discussed dLocal’s startup journey, Sergio explains how dLocal continues to grow and impact the lives of many in the emerging market that it connects.  He also shares his view on the current market, and a lot more besides, so I do hope you enjoy this episode with Sergio Fogel from dLocal.

This week we are digging into low code technology with Dave Wyatt, Snr staff engineer at TJX Europe. Dave is an expert Microsoft Power Platform Developer. The Power Platform is a fascinating and evolving platform. It’s a Azure cloud based platform that integrates Microsoft’s low-code solutions – Power BI, Power Automate, Power Apps, Power Pages - with Microsoft365 and Dynamics 365. It’s also where Microsoft’s co-pilot AI lives. It sounds and I think is a massive deal. I think its highly relevant to payments particularly when you think about digital transformation and finance automation. Automating the multitude of manual back-offices processes and replacing or at least upgrading the industry’s dependency on Excel. So, a lot to pay attention to in this podcast with David Wyatt. In our conversation we discuss how David got into engineering and low code software development via early experience in project management &implementation of bespoke IT solutions for business processes using SharePoint,Power Apps, Power Automate and Excel VBA. We discuss a lot besides, so I do hope you enjoy this conversation with David.

This week, we meet up with Caleb Avery, founder of Tilled which is a US based Payfac-as-a-Service provider. The company enables its customers to enjoy all the benefits of a fully registered payment facilitator program without the upfront cost, hassle, or liability. This model allows companies like software vendors, marketplaces, and SaaS providers to generate new revenue from accepting credit cards. In our conversation, we cover Caleb’s start up journey and discuss the state of the payment market and the increasing growth of the Payfac model and how it differs in the US and Europe

This week, we meet up with Uku Tomikas CEO of Messente Communications – a fats growing business messaging service provider based on Estonia.

Messente helps businesses communicate with their customers securely and at scale, without worrying about the complexity of global messaging or the risks of fraud.

Its customer base includes banks and insurance companies and other message-heavy industries that need a reliable way of contacting their customers.

In our conversation, we discuss why business messaging has become business critical to banks.

For example sending OTPs for payment authentication and secure account log in.

Uku also expands on how Messente is at the forefront of fighting fraud by detecting and preventing scam messages which have become a key part of the criminals tool kit.

This week to mark the 30th episode of the EDC podcast, I’m joined by 2 special guests: Mark Beresford (Director and head of the EDC retailer practice) and Mark McMurtrie (EDC Associate Consultant).

We also decided to go all out and record our first episode face to face in a London studio with video as well as audio. So look out for the video version which will follow this audio only podcast. We will place a link to the video on this page once ready.

In this episode we are returning to the topic of payment orchestration which remains a super important trend in the payments industry, with a lot of activity to stay abreast of.

In our conversation we covered the following topics which we have timestamped for convenience:

- Setting the scene: 1min 45sec

- Definitions: 3min 50sec

- Merchant perspective: 9min 35sec

- Build or Buy: 18min 48sec

- Payment orchestration provider landscape: 26min 51sec

- Future of payment orchestration: 40min 42sec

- EDC guide to payment orchestration: 48min 21sec

EDC recently published a Guide to Payment Orchestration which is based on a growing database of 50+ Payment Orchestration Providers. The guide is free and available to download on the EDC website: https://www.edgardunn.com/reports/guide-to-evaluating-payment-orchestration-solutions

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