Open banking. It’s a term we started to hear about at the end of 2016 and since 2019 interest has remained high. That’s according to Google Trends. Along with those searches, the related hot topics were PSD2 and APIs.
Regulation and technology is opening up access to bank accounts for payers, billers, and service providers. But the state of that openness varies by region and country with important consequences for billers, merchants, and their payment providers.
In this wide ranging discussion, George and Duncan Barrigan, Chief Product Officer at GoCardless, cover a range of topics, all through the lens of the company’s primary value proposition, the use of direct debit from bank accounts to enable recurring and one-off payments across 30 different countries.
As you'll appreciate, stitching together a network capable of using the domestic low cost rails (think ACH and BACS) in 30 different countries to provide both domestic and cross-border recurring payments is no easy task.
Topics discussed include:
The definition of open banking What the impact of open baking has been Where open banking is taking off, and where it isn’t Recurring payments defined and use cases APIs and integration How a biller or merchant can move customers from one payment method to another Cross-border direct debit And, of course, the GoCardless value proposition, something its financial backers believe in given its recent $95 million raise.
Episode 219 - Smart Takes on Cross-border Payments - Ryan Zagone, Head of Americas, Wise for Banks, and Joanna Wisniecka, Glenbrook
Episode 218 - The Technologies, Policies, and Realities of Cross-border Payments
Episode 217 - Talking Moonshots with Jared Isaacman, Founder and CEO, Shift4
Episode 216 – Fanning the Flames: Payments Post #5
Episode 215 - From the Vault: On Faster Payments in the U.S. (Episode 10)
Episode 214 - We Just Can’t Stop Talking About Tokenization
Episode 213 - From the Vault: Payment Tokenization Continues to Roll (Episode 21)
Episode 212 - Creating Customer Success in the Age of Embedded Finance with Ashley Isenberg, VP Revenue & Strategic Partnerships at Finix
Episode 211 - AI Unleashed: Exploring Fresh Horizons in Payments with Frank Young and Russ Jones
Episode 210 – From the Vault: Bitcoin Discussion with Scott Loftesness (Episode 1)
Episode 209 - Part 2 of What’s Hot, What’s Not, and What We’re Watching: Checking in at 2023’s Halfway Point with Glenbrook
Episode 208 - Fanning the Flames: Glenbrook's Payments Boot Camp Intensive
Episode 207 - Fanning the Flames: Payments Post #4
Episode 206 - What’s Hot, What’s Not, and What We’re Watching: Checking in at 2023’s Halfway Point with Glenbrook
Episode 205 - Why Simple Questions Can Be Hard To Answer, with Klas Bäck, Founder and CEO of Pagos Solutions
Episode 204 - Are We Ready to Pay by Bank? A Conversation with Eric Shoykhet, CEO & Co-Founder of Link Financial Technologies
Episode 203 - What Big Data Revealed About BNPL Consumers with Kristin Carlson and Zach Tondre, LexisNexis Risk Solutions
Episode 202 - Innovating at the Intersection of BNPL and Embedded Commerce with Bobby Tzekin, Founder and CEO of Wisetack
Episode 201 - Fintechs, Banks, and the Companies Joining Them Together – In Conversation with Tarun Gupta, Jump Capital, and Chris Uriarte, Glenbrook Partners
Episode 200 - Fanning the Flames: Payments Post #3
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