Trends in digital payments - Worldline, #1 European payment processor by volumes

The keynote on Trends in digital payments is delivered by Ernest Puspok, Business Development Director CEE at Worldline Financial Services - the entity within Worldline Group, the business unit who is doing the processing activities for banks.
From cashless payments, to contactless, cardless, frictionless, seemless, and we are going into invisible payments direction. New payment methods are becoming faster, safer, cheaper, more easy to use and more easy to scale, and this is a big challenge because some of these new attributes can contradict each other.
Cards are the given situation. Here are the new kind of trends:
. instant payments - will be mandatory in Europe, and affordale;
. mobile payments throught apps - European Payments Initiative will provide a wallet called wero which is abble to deliver instant payments at the European landcape;
. open banking - the payment initiation part, it's a trend because regulators are pushing it (PSD1, PSD2, PSD3);
. digital currency payments, strictly related to the Central Bank Digital Currency (CBDC);
. payments in metaverse - it could be definetely a diferentiator for a bank. There are merchants selling their products in metaverse, there are even banks that have branches there. Worldline itself have a mall in metaverse and is renting space for banks to pe present in Decentraland (in the Crypto Valley area).
It's important to have convenience, no matter what payment method we use. But it's not enough. There must be benefits, otherwise the trend will not grow, will not remain on the market.
Technologies are extremely important but they have to be invisible, trusted and safe.
Also, for a trend to take off, wide adoption is need it.

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