Ep. 44 - Live from MPE Berlin: Token on Pay by Bank: Are Merchants Finally Ready?

Live from MPE Berlin, host Grant Evans sits down with Gideon Fourie, General Manager EU at Token, to unpack where Open Banking and account-to-account payments are really heading in Europe.Gideon shares his perspective on why Open Banking had a slower-than-expected start under PSD2, and what’s now changing to drive renewed momentum — from commercial models and user experience improvements to emerging frameworks like VRPs.The conversation explores the broader European landscape, including Wero, the Digital Euro, and the growing focus on payment sovereignty, and what these shifts mean for merchants, banks, and payment providers alike.They also dive into what still needs to happen for A2A payments to go truly mainstream — from wallet integration to standardisation and incentives — and where the biggest blockers remain today.Plus, Gideon steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments he’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.isx.financial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.