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.[…]
PSPs do not need more payment methods. They need cleaner reconciliation — Insights from Frederic Yves Michel NOEL
Every new payment method a PSP adds looks like revenue growth on the roadmap slide. In the[…]
News signal: Consumer trust in agentic payments continues to lag — Insights from Frederic Yves Michel NOEL
Consumer trust in agentic payments is still lagging, and the Finextra coverage makes one thing clear: the[…]
News signal: Mastercard to boost digital wallet uptake with Wallet Pay — Insights from Frederic Yves Michel NOEL
Mastercard is pushing Wallet Pay to accelerate digital wallet adoption. Most coverage frames this as a consumer[…]
Open banking is easy to launch, but refunds are where it gets painful — Insights from Frederic Yves Michel NOEL
Open banking is easy to launch. Refunds are where it gets painful. Everyone is racing to turn[…]