“Payments will continue moving towards the ideal state of being fully instant, automated, efficient and thus become more than ever, a game of scale. Differentiate will come from new value creation in the greater process of companies that ultimately lead to payments and receivables.”
Wim Grosemans
Global Head of Product Management, Payments & Receivables,
BNP Paribas
“Payments has become a commodity today. We are working with partners and merchants to provide differentiated mobile payment solutions that bring value to all parties. For example, merchants can provide accelerated check out and offer personalized digital services by leveraging data management techniques in a responsible way. At the same time, users can benefit from integrated payment methods, extended P2P payments, and loyalty programs.”
Carlo Bovero
Global Head of Cards and Retail Payments
BNP Paribas
“For corporate treasurers, two models of engagement with FinTechs are emerging: one where banks become the center of ecosystem collaboration with FinTechs and reach out to customers and the other where banks refer FinTechs to corporates, who deal directly with them. For robust ecosystems, corporates must weigh the pros and cons of the collaboration models and choose that which not only adds value, but is also sustainable over the long term.”
Bruno Mellado
Head of International Payments and Receivables
BNP Paribas
“The development of the new payments landscape will not depend solely on bank-led initiatives; the financial services community, including public sector organizations, regulators, and third parties must also work with their corporate clients. The involvement of corporate treasurers will help banks to understand
their requirements from a corporate perspective.”
Marc Espagnon
Head of Payment & Cash Management Division
BNP Paribas
“APIs, artificial intelligence and real-time payments can play a pivotal role for banks to achieve operational efficiency, customer centricity, and enable new business propositions.”
Christophe Vergne
Head Payments Solutions, France
Capgemini │Financial Services Strategic Business Unit
“Real-time Payments and APIs in combination with mobile technologies could also provide an alternative to card payments, particularly in the C2B e-commerce area, with corporates gaining immediate availability of funds at lower cost.”
Ame Stuart
Vice President Digital Markets,
Capgemini │Financial Services Strategic Business Unit
“The banks that are fast to orchestrate an ecosystem are expected to gain immensely from the first mover advantage and it is probable that those that are not fast enough may lose market share in a short period.”
Jeroen Holscher
Vice President Global Payments and Cards Practice
Capgemini │Financial Services Strategic Business Unit
“As banks seek an anchor role in the new payments ecosystem, they need to identify the most qualified FinTech partners on complementary service and value to maximize effective collaboration.”
Elias Ghanem
Chief New Technologies Officer and VP FinTech
Capgemini | Financial Services Strategic Business Unit, Europe
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World Payments 2018: Enabling the new payments ecosystems
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World Payments Report 2018
The World Payments Report 2018 from Capgemini and BNP Paribas is the leading source for data, trends and insights on global and regional non-cash payments, the key regulatory and industry initiatives (KRIIs), and today’s dynamic payments environment. It explores how emerging technologies can help banks become anchors of a new payments ecosystem and offer new value-added services to customers, including corporate treasurers.
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