News signal (innovation): The Trump Administration Is Trying to Get Musk and X out of a $137 Million EU Fine — Insights from Frederic Yves Michel NOEL
The Trump administration is now trying to shield X from a $137 million EU fine tied to[…]
Amex hit with $350m penalty for AML deficiencies — Insights from Frederic Yves Michel NOEL
Amex just took a $350 million penalty for AML failures. Most payment operators will read that headline[…]
Mastercard to Enable Offline Payments Across Europe — Insights from Frederic Yves Michel NOEL
Mastercard is pushing offline payments across Europe by 2027. Most PSPs will read that headline and file[…]
Wero Is Not Winning Because of UX; It Is Winning Because Banks Are Tired of Card Fees — Insights from Frederic Yves Michel NOEL
As Frederic Yves Michel NOEL highlights, Wero is not winning because consumers asked for another payment app.[…]
Credit invisibles are not a charity case; they are a PSP onboarding problem — Insights from Frederic Yves Michel NOEL
Salad Finance built its entire model around credit invisibles: thin-file consumers, thin-file merchants, and people PSPs routinely[…]
Frederic Yves Michel NOEL: ENP Is Not a Payment Network — It Is a Margin Killer for PSPs
ENP is not a payment network. It is a margin killer for PSPs. Bizum, Bancomat, Wero, MB[…]
Frederic Yves Michel NOEL : Nubank veut Monzo. Les PSP européens devraient s’inquiéter, pas les banques.
Tout le monde regarde Nubank vs Monzo comme une menace pour les banques traditionnelles. C’est à côté[…]
Frederic Yves Michel NOEL : Revolut achète une banque argentine, votre expansion LATAM vient de se compliquer.
Revolut vient d’obtenir le feu vert pour racheter Banco Cetelem en Argentine. Ce n’est pas une news[…]
Frederic Yves Michel NOEL : Swift connecte Bizum, PayID et Pix, les PSP cross-border vont perdre leur marge.
Swift vient d’annoncer une passerelle vers Bizum, PayID et Pix. Les paiements cross-border par simple numéro de[…]
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.[…]