Payments Strategist
Payments Strategist
Podcast Description
Welcome to the Payments Strategist, the show where we explore the world of online payments, the strategies driving payments innovations, and the experts leading the way.
In every episode we invite top payment professionals to share their insights and experiences.
Podcast Insights
Content Themes
The show focuses on key themes in the payments landscape, including trends in online payments, subscription business challenges, and cross-border transactions. For example, episodes cover topics like the high costs of credit card processing for merchants, the significance of payment orchestration, and the implications of generative AI in payments.
PAYMENTS FM is a podcast for merchants, platforms, marketplaces, and payment product teams.
Each episode features operators, founders, product leaders, and payments experts discussing payment strategy, payment operations, billing, compliance, risk, fintech infrastructure, and money movement.
Listen for practical conversations about how payment systems work in production and what teams can do to improve them.
Today we talked to Anubhav Pradhan, co-founder of ShiftMate. We discussed the future of open banking and Pay-by-Bank.
Discover how these technologies empower consumers with data control and offer new growth opportunities for financial institutions.
Key Topics
- Differences between open banking and Pay-by-Bank
- Regulatory impacts on data ownership and consent
- Leveraging data for customer relationship management
- Real-time payments and their industry impact
Timestamps:
- 01:10 – Pay-by-Bank explained
- 02:17 – Consumer data aggregation
- 03:11 – Payment methods and trends
- 05:10 – Building trust through open banking
- 06:08 – Adoption statistics
- 07:02 – Role of platforms like Plaid
- 08:10 – Institutional challenges
- 10:23 – Infrastructure and compliance
- 11:16 – US adoption nuances
- 12:30 – Strategic advantages
- 14:48 – Data ownership debates
- 15:21 – Marketplace fees
- 16:41 – Consumer rights and regulations
- 18:03 – Infrastructure costs
- 19:02 – Open banking as a growth driver
- 20:01 – Merchant data access risks
- 21:22 – Regulatory safeguards
- 22:48 – Preventing data misuse
- 23:33 – Potential for data abuse
- 26:08 – Successful strategies
- 30:48 – Motivations for small banks
- 33:36 – Practical advice
- 35:00 – Foundational data work
- 37:48 – Payment challenges
Connect with Anubhav:
https://www.linkedin.com/in/anubhav-pradhan-27b96583/
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit payments.fm
Disclaimer
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