Lloyds and Caixabank just settled tokenised deposits. PSPs, your liquidity model is next — Insights from Frederic Yves Michel NOEL
Lloyds and Caixabank just settled live transactions using tokenised deposits under Project Agorá. This is not a[…]
Frederic Yves Michel NOEL: Stripe buying PayPal? Payment operators, the consolidation endgame is here.
Stripe circling PayPal with Advent isn’t just another mega-deal. It’s the endgame signal for every PSP and[…]
Frederic Yves Michel NOEL: Google’s €890M Fine Is a Warning—Payment Platforms, Your Compliance Is Next.
The €890M fine Google just received isn’t about search. It’s about payments. As Frederic Yves Michel NOEL[…]
Frederic Yves Michel NOEL: Wero is not a card killer but a reconciliation nightmare for merchants.
Wero is being sold to merchants as the low-fee alternative to cards. But for the PSPs and[…]
SEPA Instant is winning in high-risk. But your fraud ops are not ready — Insights from Frederic Yves Michel NOEL
SEPA Instant is quietly becoming the default rail for high-risk merchants. Gambling, forex, crypto — they are[…]
Frederic Yves Michel NOEL: Cashea’s $100M raise shows BNPL is moving beyond installments. PSPs, your risk models are outdated.
Cashea just raised $100M. Not for installments — for savings, wallets, and broader payments. That should worry[…]
Revolut killed card numbers. Now your fraud model needs a new signal — Insights from Frederic Yves Michel NOEL
Revolut just made the card number invisible. If your fraud model still leans on PAN-based scoring, you[…]
Samsung’s Credit Card Launch: Hardware-Software Bundling Lessons for Payment Operators — Insights from Frederic Yves Michel NOEL
Samsung launched a credit card on July 21. Most analysts are calling it a banking play. In[…]
Frederic Yves Michel NOEL: ACI Worldwide selling its billing division. PSPs should ask: is billing becoming a commodity?
ACI Worldwide just put its billing division on the block for $1.5B. According to Frederic Yves Michel[…]
Frederic Yves Michel NOEL: Meta faces $12B EU fine. Payment operators should watch the DSA ripple effect.
Meta’s potential $12B fine isn’t a Big Tech problem. It’s a platform regulation blueprint that payment operators[…]