PaymentGenes

In today’s rapidly evolving financial landscape, non-banking financial institutions (NBFIs), merchants, fintechs, and platforms have a unique opportunity to integrate comprehensive banking services without the burdens of traditional banking regulations. Why Banking-as-a-Service (BaaS)? BaaS empowers businesses to offer innovative financial products and services seamlessly, enhancing customer experiences and creating new revenue streams. In our latest whitepaper on BaaS, we cover: -What BaaS entails -How does it differ from Embedded Finance -How non-banking financial institutions (NBFIs), merchants, fintechs, and platforms can select the right BaaS provider -How can PaymentGenes support your journey to success in leveraging BaaS Click on the link to download the whitepaper for insights and strategies on choosing the right BaaS provider for your business: https://lnkd.in/drUtsCQ6 Contact our experts today to learn how we can support your journey in the BaaS ecosystem. Shubham L. Bas van Donselaar #BankingAsAService #BaaS #Fintech #DigitalBanking #OpenBanking #FinancialServices #EmbeddedFinance #FintechInnovation #BankingTechnology #RegTech #APIBanking #DigitalTransformation #FinancialInclusion #Neobanking #FintechSolutions #Embeddedlending #SoftPOS

It’s All About Payments! 💥 Every week sharing the latest trends, big moves, and what’s shaking up the payments world. Let’s dive in! 💳 ABN AMRO Bank N.V. Launches ‘Pay Later’ for B2B Transactions – A Game Changer? When we think about “Buy Now, Pay Later” (BNPL), we usually picture consumer purchases—splitting payments for shoes, gadgets, or even that pricey coffee machine. But what if BNPL entered the B2B space? That’s exactly what the Dutch ABN AMRO is piloting. Their new feature powered by the fintech Two allows businesses to defer payments while suppliers get paid upfront. Essentially, it’s bringing a consumer-friendly concept into the corporate world. 💡 Why should we care? Cash flow challenges are a huge headache for SMBs. For buyers, this could mean more flexibility to invest in growth. For suppliers, it’s reliable payments without the wait. ABN AMRO is using Invoice-to-Pay to offer this option, signaling a big move towards innovation in B2B payments. 📊 Quick Fact: With B2B payments expected to reach $175 trillion globally by 2030, even a small slice of BNPL adoption could disrupt traditional trade credit. Here’s what our consultant David Núñez Corona has to say: “I must say I am a bit skeptical of BNPL on the consumer side—there’s a lot of hype, and the risks are becoming quite high. But in the B2B world? This could be a game-changer. Cash flow is always a pain point for businesses, especially SMBs, and this idea has the potential to make payments more flexible. While it’s still early days, I’d be surprised if other players aren’t already thinking about how they could offer similar solutions.” 🤔 Your thoughts? Is this the future of B2B payments, or just another fintech buzzword? Would you use a ‘Pay Later’ feature for your business? Let’s discuss below! #Payments #AllAboutPayments #Banking #BNPL #B2B #Transactions #Fintech

We’re excited to be part of Merchant Payments Ecosystem 2025 and would love to meet you there. 🔎 Why Attend? - Focused insights on acquiring, open banking, embedded finance, instant payments, payment orchestration, cybersecurity, AI in payments, and more. - Massive networking: Connect with 1,500+ senior payment pros, 500+ top merchants, and 160+ industry-leading speakers. - Hands-on learning: Dive into workshops, live demos, and intimate roundtables. - Exciting innovations: Redesigned event formats, more merchants, and exclusive networking setups. - Wellness perks: Yoga, sound healing, and a 5K run to keep you energized! Don’t Miss Out! Save 10% on registration and grab your pass before January 17 to save €350. 👉 Register now: https://lnkd.in/dEV29648 Let’s discuss how we can shape the future of payments together! #MPE2025 #MPEBerlin #ILoveMPE #MPEcosystem

Fintech Investments: How Private Capital is Powering Innovation and Growth Private capital is reshaping fintech, powering innovation and global scalability. With the market stabilizing, fintech investments are projected to hit $16B by 2024, reflecting a focus on long-term fundamentals. Key trends: 1. Consolidation: All-in-one payment solutions through strategic M&A. 2. Omnichannel Payments: Seamless integration across online, mobile, and in-store. 3. Real-Time Transactions: Faster, more efficient global payments. 4. ESG Focus: Sustainable fintechs driving investor appeal. Take the example of Stripe, Adyen, and Checkout.com—global payment leaders who’ve leveraged private investments to scale and innovate: - Stripe. With over $2B in funding, including a $600M round in 2021, Stripe's robust infrastructure supports billions in transactions annually, fueling its $70B valuation. It has expanded into services like Stripe Capital to diversify its offerings. - Adyen. Early investment from firms like Iconiq Capital and Index Ventures fueled its growth, culminating in a successful 2018 IPO with an $8.3B valuation. Adyen’s seamless omnichannel integration and global reach solidified its position as a fintech powerhouse. - Checkout.com raised $1B in Series D funding in 2022, bringing its valuation to $40B. Known for customized, high-tech payment solutions, it focuses on optimizing payment processes, transparency, speed, and fraud prevention. Private investments are fueling the future—are fintechs ready to scale? 🔗 Read more: https://lnkd.in/dsX7Sith Contact 👉 David Núñez Corona #Fintech #PrivateEquity #Innovation #DigitalPayments #FutureOfFinance #ESG #Growth #Investments

PaymentGenes participated in a podcast episode alongside Claire Maslen (Lines), featuring insights from our very own Bram Vreugdenhil and Simon Stokes. Together, we shared thoughts on how to build a standout profile in the fast-moving payments industry. A huge thank you to the organizers for inviting us to join this episode and share our perspective! 🎥 𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝘃𝗶𝗱𝗲𝗼 𝗽𝗼𝗱𝗰𝗮𝘀𝘁: https://lnkd.in/eeXKr8sC 🎧 𝗟𝗶𝘀𝘁𝗲𝗻 𝘁𝗼 𝘁𝗵𝗲 𝗮𝘂𝗱𝗶𝗼: https://lnkd.in/e9ghhBrm We’re also thrilled to announce that PaymentGenes will be at Merchant Payments Ecosystem 2025 next year! Don’t miss the chance to connect with us. 👉 Buy your tickets now: https://lnkd.in/dEV29648 Until then, let’s keep the conversation going—what steps are you taking to stand out in the payments ecosystem? Let us know! #PaymentsInnovation #MPE2025 #LeadershipInPayments #PeopleInPayments #MPEBerlin

SumUp Surpasses 1 Billion Transactions – But What’s Next? 🚀 🎉 Milestone achieved! Fintech unicorn SumUp has crossed the monumental 1 billion transactions annually mark. That’s a testament to the resilience and rapid adoption of digital payments in SMBs globally. But don’t hold your breath for an IPO just yet—SumUp’s leadership is focusing on sustainable growth rather than public markets. 💡 Why does this matter? For many smaller merchants, SumUp’s simple and accessible payment solutions are a lifeline. As consumer habits shift towards cashless transactions, fintech players like SumUp are becoming vital enablers of financial inclusion. This milestone also signals a maturing fintech ecosystem—companies are prioritizing long-term value over short-term market buzz. 📊 Did you know? SumUp operates in 35+ markets, offering more than just payment terminals—it’s shaping SMB financial services through invoicing, lending, and more. David Núñez Corona’s Take: "At a time when many fintechs are racing to go public, SumUp’s approach is refreshing. Their focus on growth and customer experience shows that bigger isn’t always better—better is better. It’s a great reminder to think strategically and not get swept up in the hype." 🗓️ What are your thoughts on SumUp’s strategy? Are they playing it safe, or is this the smart move for long-term success? Let’s discuss in the comments! #AllAboutPayments #Fintech #DigitalPayments #SMB #FintechStrategy #SumUp #Tech #Payments #Cashless #IPO

Let’s Talk: The Benefits of Investments in Fintech & How Fintechs Can Attract Investors 💰 The fintech and payments industry has seen remarkable transformations fueled by private capital, reshaping how we think about merchant services and digital payments. With global private investments in fintech projected to stabilize around $16B by the end of 2024, we’re seeing a shift toward sustainable, long-term growth—a trend that benefits both fintech companies and investors. 🔍 Key Takeaways: For Fintechs: - Align strategy with your stage: Early-stage fintechs should highlight vision and market potential, while later-stage ones must prove scalability and efficiency. - Showcase key metrics: Prioritize transaction growth, CAC, and LTV to attract strategic investors. - Leverage partnerships: Seek investors who offer expertise, networks, and guidance beyond capital. For Investors: - Target growth areas: Omnichannel payments, real-time cross-border transactions, and sustainable PSPs offer strong ROI. - Adopt a long-term view: Focus on fundamentals as growth stabilizes post-2021. - Be a strategic partner: Actively support portfolio companies to drive innovation and success. Private investments are more than financial fuel—they’re about building the foundations for a resilient and innovative payments ecosystem. Curious about how this applies to your fintech journey? Explore insights from PaymentGenes’ Strategy Consultant, David Núñez Corona, on how these investments shape the industry. Read More https://lnkd.in/dsX7Sith #Fintech #Payments #PrivateInvestments #Innovation #MerchantServices #DigitalPayments

Last week, Bram Vreugdenhil, David Núñez Corona, Shubham L., and Ward Hagenaar had the pleasure of attending the 2024 Swan Fintech Fest in Amsterdam. We want to thank the Swan staff for organising such a well-executed event, fostering the exchange of fintech ideas and the creation of valuable industry connections 💫 Image credits to Swan. #paymentgenes #fintech #swanfintechfest #networking

In a rapidly evolving industry like payments, staying ahead means having a team that’s knowledgeable, agile, and ready to drive innovation. Some of the benefits are: - Elevate Your Team’s Expertise: From foundational courses to advanced insights, our programs are designed to help your employees quickly apply what they learn, improving efficiency and output. - Adapt to Industry Shifts: With frequent regulatory and technological changes, it’s essential that your team is well equiped to navigate new challenges and seize emerging opportunities. - Foster Innovation & Growth: Employees with a strong payment foundation bring new ideas to the table, helping your business remain competitive and innovative. - Reduce Recruiting Costs: Upskilling your existing team can be faster and more cost-effective than hiring new talent, providing a quick return on investment. With PGA, you can focus on hiring people with the right skills—even if they lack payments experience—and then use PGA to train them in payments once they join your company. This approach often makes upskilling more efficient and cost-effective than traditional recruitment Check out Arlette’s insights: https://shorturl.at/ZwtPp 👉 Connect with Arlette Broex to explore more about the Academy’s offerings. #Upskilling #Payments #TeamGrowth #ProfessionalDevelopment #Academy #Learning

Do you agree or disagree with this statement about account-2-account payments solutions?