José Manuel de la Chica

Token.io Partners With Santander To Steer Future Of Open Banking Payments  Read more:  https://lnkd.in/d-9PfKdq #TokenIO #Santander #OpenBanking #DigitalPayments #FintechInnovation #BankingTechnology #GlobalFinance #FinancialServices   #finance #fintech #FinancialIT

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Instant Payments Regulation and the Impact on Cash and the Digital Euro At #EBAday2024, Nuria Mohedas Tamayo, Head of Payments and Digital Banking, Cecabank and Julio César F., Head of Business Development and Operations Support, #Cecabank, share their opinion on the new European #InstantPayments regulation. Join Cecabank as they explore the evolution of #cash in Europe and dive deep into what influence the new #DigitalEuro project could have, particularly in light of new regulations like #PSR. https://lnkd.in/eWKgNq74 #fintech #FinextraTV #finance #economy #money #innovation #future #trends #banking #financialinstitutions #digitaltransformation #regulation #instantpaymentsregulation #digitalcurrency #europeanpayments #paymentregulation

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CaixaBank Sets Business Growth and Transformation as the Pillars of Its New Strategic Plan In the words of the bank’s CEO, @Gonzalo Gortázar, “in the next three years, we want to take advantage of a more favourable economic environment to take a leap forward in our service quality, in our technological capabilities and in the development of our workforce’s talent. All of this will result in greater growth of the economy and adequate remuneration for our shareholders.” https://lnkd.in/ej4iGgzP Javier Rodríguez López Ester Palomar Ulises Izquierdo Marta Vivancos Martinez MARIA LUISA MARTINEZ GISTAU Sara Rodriguez Lopez Eduardo Mallart Elena Ruiz #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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Openbank’s U.S. launch: a game-changer in digital banking and what it means for the regional market Today, Santander is launching #Openbank in the United States, marking a significant expansion into digital banking for the group. Openbank, already a leading 100% digital bank in Europe, is now offering U.S. customers a competitive high yield savings account, with a lightning-fast onboarding process—just 5 minutes to open an account through the app or website. This move represents a major milestone for Santander’s growth strategy, combining the agility of fintech with the security of one of the largest global financial institutions. Openbank's rollout in the U.S. will provide a seamless, secure, and customer-first experience, with additional banking products to follow in 2025. 🔍 As Openbank steps into the U.S. market, this is a key moment for understanding the broader U.S. regional banking landscape. For those looking to dive deeper, our latest USA Regional Report provides critical insights into the evolving financial environment. The report is available for non-members to purchase on our website (https://lnkd.in/dAPNTSa2) while corporate members can easily access it in our exclusive member area (https://lnkd.in/d54iD7Um). #Santander #BankingInnovation #USBanking #CInnovation #FintechInsights #FintechInnovation #FinanceInsights #BankingRevolution #DigitalTransformation #BankingInnovation #FinancialGrowth #Finance #Banking #NeoBanking #FinancialServices #Fintech #BankingNews #TechInFinance #FinancialNews

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🕹 Last call to join us tomorrow July 2nd and unlock the potential of #blockchain technology in #CIB and #CapitalMarkets! You will discover specific insights on banking use cases together with Patrick Mullot from BBVA, Luis Nacarino from Santander and Alvaro Martinez Arce from Deloitte, or listen from real practitioners in the capital markets space such as Javier González Cruz from Allfunds Blockchain, Jaime Silio Delibes from BME (SIX) and Carlos Matilla Sanz from ioBuilders. Moreover, you will have the opportunity to understand the regulatory landscape together with Francisco Del Olmo Fons from CNMV (Comisión Nacional del Mercado de Valores) and the necessity of a digital money solution with Julio Faura from Adhara. Explore the agenda and register through the link below. 👇 Diego Negrin, Carlos Navarro, Jorge Antolinez Ruiz, Ignacio Ybañez Rubio

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💳 nexo standards in action 💳 Cross-border payments remain a key area of focus for the #payments ecosystem. However, customers want these transactions to be cost-effective, efficient and transparent. In this PYMNTS interview, Debopama Sen, Head of Payments at Citi, talks about how crucial the adoption of ISO 20022 is to ensure the success of cross-border payments. According to Debo, the standard will reduce friction and improve transparency. 🎥 Watch the interview here: https://bit.ly/4cpNdyW ❓ Did you know that nexo standards was the first organization to design and develop #paymentacceptance messages based on ISO 20022? Learn more about this standard and the benefits it offers in this blog by nexo’s Secretary-General, Jacques Soussana: https://bit.ly/4cga2Wg Interested in engaging with nexo and other industry stakeholders? Our Annual Conference will be held in Helsinki, Finland on 8 October, with a networking party the evening before. Learn more about the event and register here: https://bit.ly/4dnDIBM

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⬇️ Today, let’s talk about the #Payments ecosystem in #Spain from our latest white paper, "Key Players in the EU Payments Landscape 2024": https://lnkd.in/dVYy5rTP 💳  STMP (Sistema de Tarjetas y Medios de Pago) is the core payment system in Spain which resulted from the merger of Servired, 4B and Euro6000. STMP oversees the Spanish card payments ecosystem ensuring the correct flow of transactions. Majors schemes include Visa, Mastercard and American Express.   🌐 Similarly to other European countries, Spain has multiple alternative payment methods. International e-wallet providers such as PayPal, Apple Pay, Samsung Pay, and Google Pay are present in the market. Private banking reports state that Apple Pay is the leading entity among mobile wallets with over three-quarters of the market by volume. Worth noting that the most popular local payment solution is the mobile payment solution Bizum. Aside from those well-known players many BNPL and cross-border payment solutions can be found such as Klarna, Oney and Scalapay, SeQura Aplazame, Ria Money Transfer, Small World Financial Services, and Monty Global Payments S.A.U.   🏦 The Spanish banking sector is quite concentrated with the four largest banks capturing over 70% of the market. There are 189 Credit institutions out of which 74 EEA branches and 4 non-EEA branches. The three largest banks of the country are Santander, CaixaBank, and Banco Bilbao Vizcaya Argentaria (BBVA). Other banks can be found in the Spanish market such as Banco Sabadell, which recently partnered with the ATM network NCR Atleos to increase access to cash in the market. Some other players are Bankinter, ABANCA. In the Neobank segment, notable names include EVO Banco, Openbank, Revolut, N26 and bunq. 📶 In Spain, there are many different companies offering payment processing and gateway services. Some of the most popular solutions are the ones offered by commercial banks. Launched by Santander Group, PagoNxt (a Santander company) is a global payments platform that brings together all its payment solutions under one umbrella. Comercia Global Payments is the result of a joint venture between CaixaBank and Global Payments Inc. and recently acquired UniversalPay, the EVO Payments, Inc. solution. Redsys España is also one of the largest payment service providers in the Spanish market. Other PSPs include Cecabank, Minsait, Nexi Group, MONEI, PaynoPain, CommerceGate, PAYMATICO, Sipay, PayRetailers, SumUp, and WPS. Key Takeaway💡 : “Spain remains a country with a high degree of innovation and where the payment industry thrives. This year the players in the Spanish payments’ ecosystem have mostly developed solutions on the A2A and instant payments fields. Furthermore, the country is playing an active role in the development of the digital euro with multiple banks deploying pilots for the development of the currency.” Carolina B. | Senior Manager – Monitor Deloitte Spain 

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My first YouTube Shorts! https://lnkd.in/dnPnwQpc A short clip from our podcast episode with Arturo Gonzalez Mac Dowell about open banking and European regulation. You can find out the full episode on the Curiosity Code Podcast! I'd appreciate your likes, follows, and reposts. #openbanking #europe #EUregulations #fintech #youtubepodcast

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Yesterday we recorded a great episode with Arturo Gonzalez Mac Dowell. It was a fascinating conversation, discussing Open Banking and regulatory challenges at EU. Thank you, Arturo! It was a pleasure to have you as a guest on the Curiosity Code podcast! Stay tuned for more updates to find out what additional topics we discovered in our conversation. #fintechpodcast #CuriosityCode #EUbanking #challenges #fintech #banking #openbanking #podcast

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#Fraud: the great enemy of the banking sector Because this week we attended Revolution Banking, one of the biggest #Banking events in Spain, as a Gold Sponsor, we would like to bring you this consideration. Fraud is one of the most feared enemies (especially regarding financial matters): customers and the institutions themselves want to avoid it at all costs. For this reason, the sector is increasingly implementing more defenses against this type of attack, not only in methods of authentication and access to services but also throughout the entire process. Here are a few of these solutions 👇 https://lnkd.in/dQ2eXpKV

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Some topics discussed at last Tuesday's Revolution Banking included #security, data privacy, and #fraud. Today we bring you some of the solutions to address these challenges!

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That's a wrap on 3 days full of #fintech and #networking at Temenos Community Forum 2024 in #Dublin! We look forward to seeing you all next year in Madrid!   #TeamValidata #TCF2024 #DigitalTransformation #AI #Payments #DataManagement #ISO20022 #TestAutomation #Banking

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Do you know how to innovate through APIs? 🚀 Even better, we can tell you how to do it in Banking Business Models. 💥 Our expert David Alejandro Cuadros Crispin will tell you everything you need to know in his latest article. 👉 https://hubs.la/Q02KM-b10 #PragmaKeepMoving #Banking #KeepMoving #APIs

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Token.io Partners with Santander to Steer Future of Open Banking Payments Token.io CEO Todd Clyde commented: “We are thrilled to partner with Santander, a forward-thinking institution committed to driving open banking innovation and enhancing the experience of millions of customers. Token.io’s technology, combined with Santander’s dedication to exceptional service, will undoubtedly set new standards for how financial institutions leverage open banking to create innovative value propositions that meet the evolving needs of consumers and businesses.” https://lnkd.in/e_8jpxUP Conor Crowley Ronnie d'Arienzo Tim Corke Charles Damen Jess Gerrow Leanne Tomlinson Neil Humphrey Mike Regnier Angel Santodomingo #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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Fernando Rodriguez Ferrer, Head of Business Development at Bizum, tackles SEPA instant transfers in #Europe and Bizum’s involvement, interoperability, and the future digital euro. https://bit.ly/3Wljvp1 He discusses key points, such as: ✔️ A2A payments and the most prevalent challenges within the European #payments landscape that they help address; ✔️ #Interoperability and how ecommerce players can #optimise integration for a payment experience that responds to customer needs; ✔️ How the inclusion of #A2A payment methods can be beneficial in a #crossborder context; ✔️ Bizum’s involvement in ECB’s development of a #digitaleuro and predictions on the initiative’s effect on the #A2Apayments space; ✔️ The #future of A2A payments’ adoption in 2024 and beyond. Don’t miss out on this insightful contribution and go to page 13 of 𝐓𝐡𝐞 𝐏𝐚𝐲𝐩𝐞𝐫𝐬’ 𝐔𝐧𝐥𝐨𝐜𝐤𝐢𝐧𝐠 𝐭𝐡𝐞 𝐏𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐨𝐟 𝐀2𝐀 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐑𝐞𝐩𝐨𝐫𝐭 2024! ➡ https://bit.ly/3Wljvp1 #SEPA #instanttransfers #crossborderpayments #credittransfers #SEPAInst #FIs #paymentsolutions #financialservices #paymentecosystem #paymentmethods #paytech #fintech #ecommerce #mobilepayments #legislation #paymentinfrastructure #merchants #instantpayments #instantA2A #IPR #regulation #ThePaypers 

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