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Artwork for The Payments Trilogue

The Payments Trilogue

The Payments Trilogue
Open Banking
Digital Euro
Instant Payments
PSD2
Berlin Group
A2A Payments
Open Finance
Request To Pay
Artificial Intelligence
E-Commerce
EU Regulations
PSD3
CBDC
Payments Industry
Banking
Ideal
European Central Bank
Payments
Payment Certification
Fraud

The Payments Trilogue is a podcast of 3 seasoned payments professionals aiming to foster the European payments industry's stakeholder collaboration and self-regulation. Michael Salmony, Javier Santamaria and Ralf Ohlhausen discuss current topics from their different perspectives. A light-hearted, in-depth and sometimes controversial view on what is hot in payments and beyond.

PublishesTwice monthlyEpisodes56Founded2 years ago
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Business

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Artwork for The Payments Trilogue

Latest Episodes

In this episode, Scott McInnes from Bird & Bird explains the outcome of the PSD3/PSR trilogue and what to expect from the 3rd revision of this legislation. We cover liabilities, fraud, open banking, exemptions and the missing agentic AI provisions. S... more

In this episode, we are discussing again the rapidly evolving landscape of fraud in the payment industry. This time with Richard Harris, EVP Head of Strategy & Advisory at Feedzai, who is explaining the shift from card-based to account-to-account (A2... more

This episode explores the future of digital money, focusing on tokenisation, trust, regulation, and the evolving landscape of central bank digital currencies, commercial bank money tokens and stablecoins. The 3 authors of the book "Tokenisation of Mo... more

In this episode, Sophia Furber from S&P Global's FinTech and Payments research practice, shares insights on the evolving landscape of payments, stablecoins, open banking, and Europe's payment sovereignty. Discover how this relates to their ratings bu... more

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Recent Guests

Scott McInnes
Lawyer specializing in financial services and payment services regulation
Bird & Bird
Episode: TPT #55 PSD3 & PSR OUTCOME
Richard Harris
Head of advisory and strategy at Feedzai
Feedzai
Episode: TPT #54 FRAUD 2
Charles Damen
Chief Product Officer at Token, industry director for UK Payments Initiative
Token / UK Payments Initiative
Episode: TPT #50 UK PAYMENTS INITIATIVE
Matthias Hönisch
Guest expert discussing Girocard and local schemes
Episode: TPT #48 GIROCARD
Olivier Denecker
Former McKinsey partner; payments leadership expert in Europe
McKinsey & Company (former)
Episode: TPT #47 GOOD, BAD & UGLY
Wijnand Machielse
Active in payments; SRC Security Research and Consulting; Editorial Lead of Berlin Group
Berlin Group
Episode: TPT #45 BERLIN GROUP
Chris Jones
Managing Director at PSE Consulting
PSE Consulting
Episode: TPT #44 AGENTIC COMMERCE
Mathilde Salakari
Head of EU Current Relations at PayPal
PayPal
Episode: TPT #43 PAYPAL
Torbjörn Furubjelke
Head of EPSG; Nordea Bank
Nordea Bank
Episode: TPT #41 EPSG

Hosts

Michael Salmony
Host of The Payments Trilogue (long-running host with deep domain experience in European payments)
Javier Santamaria
Host/Co-host with industry experience in payments and regulatory topics
Ralf Ohlhausen
Co-host with background in standardization and payments infrastructure

Reviews

4.3 out of 5 stars from 9 ratings
  • Bad Sound

    Good topics, bad sound, very hard to understand, especially the latest episode.

    Apple Podcasts
    2
    mobinauten
    Germany2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Frequent guests provide strong, expert perspectives on European payments.
Sound quality has been criticized in a few episodes.
Topics tend to be highly technical and policy-forward.

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Talking Points

Recent interactions between the hosts and their guests.

TPT #55 PSD3 & PSR OUTCOME
Q: To what extent do you think that agentic AI falls into scope of PSD2 and PSR if at all?
McInnes says current rules generally require strong customer authentication by the payer for each push payment, so an agent cannot usually make an invisible payment on the payer's behalf. Possible future approaches include a new exemption or a mandate-based process, but the legislation does not specifically address agentic commerce.
TPT #55 PSD3 & PSR OUTCOME
Q: Who do you think has achieved more on lobbying the open banking side of PSR, the banks or the fintechs?
McInnes says both payment initiation service providers and banks gained something. Providers retain free basic access to payment accounts, while banks no longer have to maintain a fallback interface, although they face stronger requirements for the quality and recovery of their dedicated interfaces.
TPT #52 RATINGS & PAYMENTS
Q: How do you see open banking evolving in Europe, especially around branding and consumer understanding?
The guest highlights the need to socialize and clarify terms like open banking, pay-by-bank, and A2A to avoid misperceptions that banks' accounts are easily accessible; consumer education is essential for mainstream adoption.
TPT #52 RATINGS & PAYMENTS
Q: What is your take on stablecoins in terms of cross-border payments and their impact on traditional banks?
Sophia (and the host) discuss that stablecoins could play a role in cross-border payments, with banks potentially losing some deposit-based advantages but new players and pilots could reshape the landscape; the emphasis is on how native stablecoin firms might lead in cross-border corridors.
TPT #52 RATINGS & PAYMENTS
Q: Could you comment on how rating agencies fit into the discussion about payments and sovereignty in Europe?
Sophia explains that S&P Global provides broad data and research beyond traditional credit ratings, including FinTech and Payments research, but she defers specific rating commentary on sovereignty to the ratings team.

Audience Metrics

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Frequently Asked Questions About The Payments Trilogue

What is The Payments Trilogue about and what kind of topics does it cover?

A thoughtful, debate-oriented show led by three experienced payments professionals who pull from inside industry knowledge to critique, compare, and forecast Europe's payments landscape. Episodes often explore regulatory evolution, interoperability, open banking, instant payments, and the potential impact of digital currencies, with a pragmatic stance on what actually moves the market and what remains theoretical. Noteworthy are cross‑border collaborations, practical industry anecdotes, and a preference for nuanced, multi‑perspective discussions over sweeping hype. Listeners likely value deep domain expertise, candid takes, and the chance to understand how policy, technology, and business models intersect in European payments.

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Which podcasts are similar to The Payments Trilogue?

These podcasts share a similar audience with The Payments Trilogue:

1. Payment & Banking Fintech Podcast
2. Odd Lots
3. The Rest Is History

How many episodes of The Payments Trilogue are there?

The Payments Trilogue launched 2 years ago and published 56 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact The Payments Trilogue?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

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What guests have appeared on The Payments Trilogue?

Recent guests on The Payments Trilogue include:

1. Scott McInnes
2. Richard Harris
3. Charles Damen
4. Matthias Hönisch
5. Olivier Denecker
6. Wijnand Machielse
7. Chris Jones
8. Mathilde Salakari

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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