A world map with a paper ship, symbolizing the world of payment.

Payment Around the World – Part 3

Asia, India, the Middle East

Payment around the world – where were we? In the previous articles of this series, we devoted ourselves to different payment landscapes of the globe. And with the trends and challenges, we found there.

But no matter which region we looked at: All of them stood on the verge of digital transformation or have crossed that line. China and the USA press ahead in terms of payment innovation, as we have seen in our second article. In other countries, digital payments are still in the process of taking hold in the populace. The changes they bring have already become apparent. Digital payment services play the role of an equalizer, especially for the unbanked people. Developments in Africa‘s and Latin America’s payment landscape, as detailed in the first article of this series, stand as an example for this.

We will see if those tendencies manifest in the last waypoints of our journey, too. So, let’s move on, shall we?  

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A picture of two piggy banks, symbolizing financial literacy and financial education in Germany

More Than Pocket Money – Financial Education in Germany

Financial education. It starts with simple questions. Just like this one:

For her 9th birthday, Emma asks her parents to put money on a savings account, instead of buying her presents. She rather wants to celebrate her next birthday in style, with party assets worth 200€. At a yearly interest rate of 5%, how many Euros must be put into the account to fulfill Emma’s birthday wish?

Sound familiar, such questions, right? We all had to answer a fair share of them in math class during 8th grade. Looking at them today, they still are tricky to answer for many of us. And you would have to explain your child, that putting €4000 on a savings account tears a big hole in your financial planning. And only under the premise that you would find a bank providing 5% interest on savings accounts. Which you wouldn’t. Emma, who already showed prudence in her financial behaviour not normally seen in her contemporaries, still has to face some hard truths.

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A compass resting on a world map, symbolizing the world of payment

Payment Around the World – Part 2

USA, Canada, Australia, China

When exploring the payment preferences of the world, you have to go places. In the first part of our article series, those places were Europe, Russia, Latin America, and Africa.

The takeaway: Hard cash dies hard in many parts of the world like Germany, Hungary, Russia, and Brazil. But digital payment services have taken up the fight. They give new options to emerging countries with vast numbers of unbanked people. Mobile access to finances and digital-only money accounts help integrate the unbanked, so they can become proactive contributors to the financial system.

But it’s a large world with a great number of payment landscapes still waiting to be sketched. In this article, we will take a good look at the clashing fintech forerunners USA and China, as well as Canada and Oceania. So, let’s go!

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A picture of an app store, displaying the apple logo, symbolizing Apple's new credit card solution Apple Card

Opinion: Apple Plays Its Card Just Right

Matthias Gall, co-founder of trimplement
Matthias Gall is looking forward to the disruptive potential of the Apple Card. 

In the Apple Keynote in on March 25th, Apple announced its very own credit card. It will be using the Mastercard scheme and will be issued in cooperation with Goldman Sachs.

As of now, Apple is an established player in the payments space. Their payment solution Apple Pay serves more than 252 million estimated users globally.

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Smartphone using Apple Pay at a mobile payment station. The text next to it numbers four problems Apple Pay faces.

4 Obstacles Apple Pay Has To Overcome on the German Market

Mobile payment is convenient.

Just ask your chosen fintech aficionado.

They will point to frictionless paying. To fast access to monetary assets, wherever you are. To tech-savvy China, where almost one-third of the population pays via a mobile device.

And to Apple Pay . The Californian tech giant strives to ban the buck from our pockets and purses. The replacement: A slick mobile payment service.

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A wide angle shot of the crowded koelnmesse halls during DMEXCO 2018

DMEXCO 2018— Our Experiences

Two Fintechies Exploring the Digital Marketing Expo and Conference

Finance — it’s tempting to think it’s all about numbers. Or about data, now that learning machines piece together profiles from customers’ digital footprints.

But that’s only one side of the coin. In equal measure, it’s about communicating with and relating to the customer. Financial service providers have to accurately address their target groups. How can numbers and data sets close ranks with words, images, and emotions?

At the Digital Marketing Expo and Conference 2018, such questions took the limelight. The conference, often abbreviated as DMEXCO, drew more than 40 000 visitors to the halls of koelnmesse, Cologne. Among them: Two software professionals from the fintech sector.

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A rocket stands on an orange planet next to a flag displaying the number H66, the number of the trimplement booth at Money20/20 Amsterdam 2018

On Our Way to Amsterdam: Money20/20 EU 2018

Every year Money20/20 conferences come to fintech cities all over the globe. Those events rank among the most important get-togethers for the finance and digital payment market. Stage talks by the who-is-who of the industry, networking areas and business opportunities with more than 1500 international companies — that’s how Money20/20 Europe will be like this year, taking place at the RAI in Amsterdam from June 4th to 6th.

And we will be at Money20/20 Europe as well!

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The stage of Money20/20 Asia 2018

Singapore, Fintech City: Our Experiences at Money20/20 Asia 2018

Global finance is not measured in Dollars and Euros only. The Asian Nations are driven to take the lead in technology. They invest in artificial intelligence and robotics, in fintech and mobile payment. Backed by vast economies like China, India, and Japan, Asia will play a major role in the financial area. A clear sign of this growth is the existence of financial conferences popping up all over the Pacific Area. Money20/20 Asia 2018 is the most recent addition to this well-filled list. 

We have already spoken about two of them here: Hong Kong Fintech Week and the Singapore Fintech Festival showed us what’s on the horizon for Asian finance.

But we wanted to make it three — only fitting to our company name of trimplement.

In March 2018 we attended the very first Money20/20 Asia conference at the Marina Bay Sands in Singapore. And it was quite different than our two other trips to this part of the world.

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Paris Fintech Forum 2018 — Our Experiences

Paris goes by many names. It has been called the City of Love.

It has been called the City of Lights.

And recently, it has been called the City of Fintech. And not without cause. From January 30th to 31st, the centre of Paris became the stage for the annual Paris Fintech Forum, hosted by Altéir Consulting. Being a fintech service provider ourselves, we spent two busy days at the conference. There, we met a multitude of people from all walks of the industry. But what was Paris Fintech Forum like?

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