Frederic Yves Michel NOEL: Visa and Mastercard just joined the Agentic Payments Alliance. PSPs, your AI strategy is now a compliance issue.
Visa and Mastercard joining the Agentic Payments Alliance is the industry’s way of admitting that the next[…]
Mobile wallets are winning in the UK, but merchants are paying the price of fragmentation — Insights from Frederic Yves Michel NOEL
The UK is rapidly becoming one of the most wallet-dense markets in Europe. And for merchants, that[…]
Kraken’s US debit card is not about crypto. It’s about owning the spending data — Insights from Frederic Yves Michel NOEL
Kraken just launched a US debit card. Most will read this as crypto going mainstream. I read[…]
Frederic Yves Michel NOEL: Stablecoins Are Not Cheaper for Remittances. Banca d’Italia Just Proved It. Stop Pretending.
The Banca d’Italia just published a study that should make every fintech building on stablecoin rails pause.[…]
Revolut’s Finland license is not about banking. It’s about owning the rails — Insights from Frederic Yves Michel NOEL
Revolut just applied for a banking license in Finland. Most will read this as another regulatory checkbox.[…]
AI Pricing Just Spiked: Fintechs, Your Unit Economics Are Now Hostage to Model Costs — Insights from Frederic Yves Michel NOEL
According to Frederic Yves Michel NOEL, the AI honeymoon for fintechs just ended. DeepSeek’s major price update[…]
The End of Bank Cards: What Replaces Plastic in the New Payments Stack?
For decades, the physical bank card has been the undisputed workhorse of global commerce. The familiar 16-digit[…]
Frederic Yves Michel NOEL : Les stablecoins vont révolutionner la liquidité interbancaire. Les trésoriers, votre modèle est mort.
Les stablecoins vont tuer le modèle de trésorerie que vous défendez encore. Pendant que les trésoriers continuent[…]
Frederic Yves Michel NOEL : SEPA Instant va exposer les failles de votre gestion des exceptions. Les ops, préparez-vous.
SEPA Instant arrive. Et si vous pensez que c’est juste une question de vitesse, vous passez à[…]
Mastercard teste le règlement synchronisé avec Pexa : les PSP, votre trésorerie est en danger — Insights from Frederic Yves Michel NOEL
Mastercard qui s’associe à Pexa pour le règlement synchronisé de transactions immobilières, ce n’est pas une simple[…]