01. Visa – The evolution of credit - how banks are optimising lending ft. Mathieu Altwegg

Younited's Francois de Bodinat joins host Jonathan Wildish, Product Solutions Lead (Lending) at Tink, to discuss why prioritising affordability checks and data-driven consumer lending models is so important for lenders during challenging times.What to expect:Insights from the Chief Product Officer of Europe's leading instant credit providerHow lenders can better support their customers during these challenging timesPredictions for the next 5-10 years in lending---Consumer research was conducted by Censuswide on behalf of Tink in September 2023, amongst 1,000 UK borrowers aged over 18 (i.e. those who currently have either a mortgage or a loan). Lender research was conducted by Censuswide on behalf of Tink in September 2023 amongst 200 executives at a High street bank, Building society, Challenger bank, Payday lender or BNPL lender who have a decision-making role in the lending process. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The Information contained herein is not intended as investment or legal advice, and readers are encouraged to seek the advice of a competent professional where such advice is required.

In today's episode of Fintech Findings you’ll meet Thomas Otterlund, Product Manager at PostNord Strålfors, and Adam Trojmar, Product Solutions Manager at Tink, and hosted by Tom Pope - SVP of Payments and Platforms at Tink.What to expect:The latest trends in invoice and bill payments across Europe and how open banking fits inA market comparison of different invoice payment methods used in EuropeHow to turn payments into a source of competitive advantageThomas Otterlund - Product Manager at PostNord StrålforsThomas has worked with digital solutions in different companies and roles. At PostNord Strålfors Thomas works with business development for digital communication. This includes Omnichannel solutions for Internet bank invoicing, digital mailboxes, e-mail, SMS and payments related to customer communication to consumers.PostNord StrålforsPostNord Strålfors has a leading and important role in the Nordic customer communication infrastructure, and annually handles over 1 billion communication messages and invoices for our customers, to their end-consumers. With our solutions and omnichannel platform, we enable consumer driven communication by developing, producing and delivering systems, services and products for Smarter Communication. The right message to the right person, in the right channel at the right time.Adam TrojmarAdam Trojmar is a Product Solutions Manager at Tink, leading the commercial strategy for the invoice and billing vertical. Adam has extensive experience from working with invoicing solutions and consulting as a licensed Business Transformation architect.ShownotesThomas Otterlund on LinkedinPostNord Strålfors

Banking is getting personal: how banks can support customers through the cost-of-living crisisIn today's episode of Fintech Findings, you will meet with Fiammetta Leuzzi, Strategy Manager at Tink, hosted by Christophe Joyau, Senior Vice President Banking & Lending at Tink What topics to expect:How can open finance help make financial services more accessible in the current economic climate?What role do fintechs have to play in a world where data is shaping the future of finance?How can banks better support their customers and strengthen the relationship? Christophe Joyau Christophe Joyau is SVP of Banking and Lending at Tink. Founded in Stockholm in 2012, and part of Visa since 2022, Tink is Europe’s leading open banking platform that enables banks, fintechs and merchants to develop data-driven financial services. Prior to Tink, Christophe was COO at Widespace, a mobile advertising service, and head of service sales at Nokia in Northern Europe. At Tink, Christophe is focused on developing Tink’s proposition towards banks and lenders, working with some of the largest financial institutions in the world.Fiammetta LeuzziFiammetta Leuzzi is Strategy Manager of Banking and Lending at Tink. Founded in Stockholm in 2012, and part of Visa since 2022, Tink is Europe’s leading open banking platform that enables banks, fintechs and merchants to develop data-driven financial services. Prior to Tink, Fiammetta was a in-house strategy consultant at Ericsson, a telecom infrastructure company. At Tink, Fiammetta is focused on developing Tink’s proposition for consumer engagement within mobile banking solutions, working with some of the largest financial institutions in the world. ShownotesChristophe JoyauFiammetta Leuzzi

How Multitude Bank is accompanying their customers for a more inclusive financial experienceIn today's episode of Fintech Findings, you will meet Julie Chatterjee - Chief Commercial Officer and Deputy Chief Executive Officer of Multitude Bank, Tribe CEO of SweepBank, hosted by Alexis McCabe Egmar - Marketing Director at Tink, a Visa solution.What to expect:How banks like Multitude can help create a more financial inclusive landscape and how they expect to put this into placeHow open banking can be used in the credit assessment process and for simplifying the customer onboarding How banking will look like for consumer loans in 5 to 10 years and how open banking play into thatJulie Chatterjee - Chief Commercial Officer and Deputy Chief Executive Officer of Multitude Bank, Tribe CEO of SweepBankJulie Chatterjee serves since 2020 as Tribe CEO for SweepBank and Chief Commercial Officer and Deputy Chief Executive Officer of Multitude Bank p.l.c. She holds a Master of Engineering from Kungliga Tekniska Högskolan in Stockholm from where she graduated in 2007. Julie holds 16 years of experience within the retail & banking industry. She has hands-on experience from consumer lending, credit card and the insurance business with an exposure to e-banking and mobile banking, while holding numerous positions at OKQ8, including CEO for OKQ8 Bank.Directly and indirectly, as of 31 December 2021, Julie Chatterjee holds 3205 shares and/or options in the Company.Multitude BankMultitude aims to become the most valued financial ecosystem by acting as a growth platform that creates success stories in FinTech. With profound know-how in technology, regulation, funding and cross-selling, Multitude offers a range of sustainable banking and financial services for FinTechs to grow and scale rapidly. Multitude and its three independent businesses, SweepBank, Ferratum and CapitalBox, employ over 700 people in 19 countries, and they together generated EUR 214 million revenue in 2021. Multitude was founded in 2005 in Finland and is listed in the Prime Standard segment of the Frankfurt Stock Exchange under the symbol ‘FRU. ShownotesJulie ChatterjeeMultitude Bank

How Variable Recurring Payments are transforming the payments landscapeIn today's episode of Fintech Findings, you will meet Andrew Boyajian - Head of VRP at Tink, a Visa solution, hosted by Tom Pope - Head of payments and platforms at Tink, a Visa solution.What to expect:What needs to happen for VRPs to truly gain mass adoption in the long term perspectiveCurrent issues with direct debits and how VRPs address those issuesWhere will VRPs have the biggest impact and how will consumers, merchants & banks benefit from thisAndrew Boyajian - Head of VRP, Tink, a Visa solutionAndrew Boyajian is Head of Variable Recurring Payments (VRP) at Tink. He joined in 2022 to turbocharge the next phase of Tink’s market-leading VRP developments. Previously, Andrew led product commercialisation of emerging payments and fintechs for Wholesale Payments at J.P. Morgan in the US. Andrew spent five years as Head of Banking, North America for Wise and also served as Director of International and Payments for KickstarterTink Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions, verify account ownership and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe. Founded in 2012 in Stockholm, Tink became a wholly owned subsidiary of Visa in 2022. Tink’s 500 employees serve more than 300 banks and fintechs in 18 European markets, out of offices in 13 countries. We power the new world of finance. For more information, visit tink.com. ShownotesAndrew Boyajian on LinkedinTink

The rise of Banking-as-a-ServiceIn today's episode of Fintech Findings, you will meet Kerry Harrison, Managing Director of Client Services, Thought Machine, hosted by Tasha Chouchan, UK & IE Banking Director at Tink.What to expect:How has Banking-as-a-Service changed the financial industry?What does Banking-as-a-Service mean for the future of banking in different industry players groups such as incumbent traditional banks, digital challenger banks and EMIs.Partnering is an effective tool to broaden the range of services that are offered to customers in the financial industry. What are the key ingredients of a good partnership and collaboration?Kerry Harrison, Managing Director of Client Services, Thought MachineKerry leads a global team within Client Services - Inception, responsible for building and delivering accelerators for Thought Machine clients to onboard onto Vault Core. Inception offers a suite of pre-built financial products that use smart contracts and preconfigured integrations built by key vendors in the market and with their partners.Kerry has more than 20 years of financial services experience, covering various areas and organisations, from large investment banks to smaller wealth managers. Kerry brings extensive experience in all aspects of change across business and technical areas, markets and technologies.Thought MachineThought Machine builds Vault Core and Vault Payments: cloud-native core and payments technology enabling banks and fintechs to remain competitive and flourish into the future. Vault Core and Vault Payments are the foundation layer of a bank’s technology stack. They can run any bank, any product, and any payment set.ShownotesKerry Harrison on LinkedinThought Machine

The evolution of credit - how banks are optimising lendingIn today's episode of Fintech Findings, you will meet Mathieu Altwegg, Head of Innovation & Design, Head of Consumer Solutions, Europe Visa Inc., hosted by Tasha Chouchan, UK & IE Banking Director at Tink.What to expect:Evolution of consumer behaviour in the lending industry and how it's changing depending on the economic climateDifficulties and possibilities when capturing a new credit opportunity at the time of needChallenges and benefits of merchants’ and lender’s joining forces when winning customer’s trust Mathieu Altwegg, Head of Innovation & Design, Head of Consumer Solutions, Europe Visa Inc. Mathieu Altwegg joined Visa in 2017 in Singapore to lead  Innovation collaboration with Visa's bank and merchant clients in Asia in the Visa Singapore Innovation Center. Mathieu moved to Europe in 2020 to support our efforts to problem solve, design and build new commerce and consumer experiences for our clients and partners in Europe. Mathieu has significant experience building and growing businesses, with particular expertise in ecommerce and fintech. Prior to joining Visa, he was CEO of multi-national payment service provider Checkout.com and spent his early career in consulting with McKinsey&Company. Having worked on four different continents, Mathieu is passionate about solutions that scale across international markets as well as using technology and data to lead businesses.VisaVisa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit About Visa, visa.com/blog and @VisaNews.ShownotesMathieu Altwegg on LinkedinVisa