Payment technology for fintechs and banks

Numeral provides the infrastructure to connect to partner banks, access schemes, and automate payment operations.

Numeral

Starting January 2025, all European banks must support receiving SEPA instant payments. By October 2025, they must support Verification of Payee and sending instant payments.

Complying with these new requirements monopolises most bank tech and product resources. Between PSD2, this Instant Payments Regulation, and the upcoming PSD3 and PSR, the regulatory pace is intense. It leaves banks limited with few resources to innovate, improve the customer experience, and build value on top of the introduced changes.

Building from the right IT architecture changes the equation.

In this webinar, hosted by Simon Taylor, our expert panel will discuss how to comply with the upcoming Instant Payments Regulation and the next ones without renouncing innovation:

*   Summary of the Instant Payments Regulation and its impacts on banks
*   How to comply on time
*   Beyond instant payments: shifting IT resources from regulatory catch-up to innovation in the SEPA area

Join us along with our outstanding panel:

*   Simon Taylor (moderator), writer at Fintech Brain Food
*   Sylvie Calsacy, Lead Payments at OnePoint
*   Puneet Khanna, VP of Solution Consulting at Tuum
*   Édouard Mandon, Co-founder and CEO at Numeral


Instant payments and beyond: the path to ever-compliance

Payment systems and the regulations that shape them are constantly evolving, creating significant opportunities and new challenges for fintechs and bank teams.

2024 promises to be an especially packed year in that regard!

In this webinar, our expert panel will cover:

*   The latest news about the European instant payments legislation
*   The upcoming obligation of IBAN verification for all SEPA payments
*   How will PSD3 impact access to payment schemes for financial innovators
*   The delayed 2023 SEPA rulebook implementation

Join us along with our outstanding guests:

*   **Katja Heyder**, Head of User Relations at EBA CLEARING
*   **Francis De Roeck**, Member of the EPC Scheme Management Board and Head of Industry Engagement for Payments at BNP Paribas
*   **Pierre Hautenauve**, Senior Manager at Ailancy


SEPA, PSD3 and instant payments: what to expect in 2024?

Any fintech addressing the UK market needs access to Bacs and FPS.

By becoming Bacs and FPS participants, fintech companies can increase their control on payments and customer onboarding, reduce their payment costs and issue their own account numbers.

While not well known, indirect access is the most efficient way to become Bacs and FPS participant while keeping time-to-market, investments and operational costs down.

In this webinar, our panel will cover:

*   Why becoming a Bacs and FPS indirect participant
*   How the become a Bacs and FPS indirect participant
*   Choosing your sponsor bank

Join us alongside our expert panel to learn everything and Bacs and FPS indirect access:

*   Mike Chambers, payment expert, former CEO of Bacs, CHAPS and FPS
*   Kaspar Loog, Direct of Product Management at LHV


Why become a UK payment systems indirect participant

Payment resilience and continuity have always been the foundation of the services provided by payment and electronic money institutions to their customers. From collecting payments to paying their suppliers and employees’ salaries, payments are a critical part of every business and simply cannot break.

Yet, redundancy always comes with an opportunity cost and - until recently - **many fintechs were relying on a limited number of banking partners deemed reliable**. The recent bank fallouts have, however, highlighted that PSPs need to take a more proactive stance in diversifying their banking partner footprint earlier in their journey.

In this webinar, we explore **how successful fintech companies went multi-bank**:

*   What is the bar for payment resilience, and how to measure it
*   How to decide which partner banks to work with
*   Building a multi-bank payment stack and organisation

Join us alongside payments product and business leaders who are making conscious decisions about their banking footprint to future-proof their payment offers:

*   **Dan Wong**, Senior PM Core Banking @ TrueLayer
*   **Nirav Patel**, CEO @ Andaria Financial services
*   **Dimitri Rodrigues**, Chief Product Officer @ iBanFirst


Building resilient payment operations: how fintechs are embracing multi-banking

**From account top-ups to bill payments,** fintech scale-up Spendesk manages billions of euros of corporate spendings for their thousands of customers each year.

Spendesk started its payment journey as an agent of a banking-as-a-service provider but realised that with scale, it needed more controls over its SEPA payments.

To build payment operations supporting its growth, it decided to increase control by becoming a SEPA participant.

Learn how.

In this webinar, our panel will cover:

*   Why becoming a SEPA participant
*   The different steps to become a SEPA participant
*   How to do it right

Join us along our expert panel:

*   **Axel Cateland**, CEO at Spendesk Financial Services
*   **Didier Darmouni**, Director Business Development at BPCE Payments
*   **Laurent Sodigné**, payments expert and Senior Partner at Melan Consulting

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###### *About Numeral: *[*Numeral*](https://www.numeral.io/)* is a payment operations platform making building payment products on top of banks easy. By exposing a single API across banks and payment methods, Numeral helps companies streamline their payments through real-time connectivity to their existing banks, robust automation, and built-in controls.*


Spendesk’s journey from BaaS agent to SEPA participant

About

Speakers

Axel Cateland

CEO @ Spendesk Financial Services

Didier Darmouni

Director Business Development @ BPCE Payments

Laurent Sodigné

Payments expert & Senior Partner @ Melan Consulting

Replays

Instant payments and beyond: the path to ever-compliance

SEPA, PSD3 and instant payments: what to expect in 2024?

Why become a UK payment systems indirect participant