PaymentGenes Quarterly Fintech Magazine

from PaymentGenes Quarterly FinTech Magazine - Q4 2018

Stocard is a leading mobile wallet with over 30 million users, which is building the future of how people shop, pay and consume financial services and more. We spoke with CEO Bjoern Goss about the future of the wallet.

For Stocard, it was very clear that the wallet was going to move to the mobile phone at some point. We started with a with a very clear value proposition to consumers by realising that people love to shop, but hate to pay. We would all enjoy shopping more if we didn’t have to pay! So we said, “Let’s build a wallet that focuses on what people actually care about and what they get excited about. We therefore built a product that focuses on the complete shopping experience.'

**The Kilimanjaro Project is planting trees to diminish the effects of global warming**

What is happening In Tanzania? In a country where the majority of citizens live off the land for both income and sustenance, maintaining biodiversity and ecological strength is of paramount importance.

Climate change, and the repercussions from lack of environmental care, is rearing its ugly head in Tanzania, and the results are garnering international attention. Ecological mistreatment through climate change, corruption, and over farming are resulting in declining levels of snow on Mt Kilimanjaro, as well as the loss of millions of dollars of revenue from the timber industry. The loss of forest coverage also negatively impacts rainfall, having a knock-on effect by inducing a decline in glacier size.

**In depth Interview with the global market leader of Tax Free Shopping**

Global Blue is the global market leader of Tax Free Shopping and serves 305.000 merchants in 42 countries and 12 million travellers around the globe. We spoke with Matthias Fritz, Group Product Manager for in-store solutions.

How much does Digitalisation impact your business ?

A big trend which started 10 years ago is the “last” piece of digitalisation in our business process. The export validation which happene d for a very long time with a manual rubber stamp on a paper form is now being replaced by a digital pendant. This trend is one of our biggest challenges but at the same time a great opportunity for us. It allows us to develop new products being fully digitized end to end.

**Insights into Consumer spending during Holidays**

"With Christmas fast approaching, how does Global Blue experience the high period?"

For instance, while traditional retailers consider Christmas as peak season, it is January that Global Blue identified as a high spending month for Russian shoppers due to the Orthodox Christmas period but also super sales in Europe. Another example is Chinese New Year, which falls in early February 2019, where we expect increase in spending from Chinese travellers, but also shoppers from Hong Kong. For that reason, we are advising retails to prepare special promotions during these periods.

**PSD2 Explained by our IT/Product Consultant Borja Gonzalez**

The world of payments is constantly changing, and the recently reshaped PSD2 law has accelerated developments within the payment and FinTech industry. We love sharing our knowledge, so we decided to ask our IT/Product consultant Borja Gonzalez Hernandez to clarify Payments Service Directive 2, more commonly known as PSD2

**Grover - The alternative to owning things (circular economy)**

With investors like Circularity Capital, Samsung Next, Main Incubator and Rocket Internet/ Global Founders Capital, the company is already making waves in both the B2B & B2C markets.

PaymentGenes has collaborated with global partners including PayPal, SimpledCard, Klarna, Magnius, EMS, Visa, Funding Circle, Barqo, Kempen & Co & Worldpay.

The next edition of our quarterly FinTech Meetup is in January 2019!Join our Meetup group now and be sure not to miss out!

**5 Essential Tips for your Linkedin Profile**

The 5 Essential Tips:

Start with an overview– Use keywords– Highlight your achievements– Ask for recommendations

Bio/ Headline

Profile Photo

Relevant Work Experience

Education

Top job picks! PaymentGenes

CPO -Payments London

Get in touch with: Thijs Moser +49 (0)15 218 023 053 tmoser@paymentgenes.com

Senior Business Developer Paris

Get in touch with: Anna Velly +33 6 48 49 44 61 anna@paymentgenes.com

Product Manager Brussels

Get in touch with: Adele Laurent +31 64 67 45 445 adele@paymentgenes.com

Business Development Director Zurich

Get in touch with: Kirsten Visser +31 6 49 14 64 20 kirsten@paymentgenes.com

Senior BDM - Travel Amsterdam

Get in touch with: Jorrit Wijtsma +44 739 35 92 190 jorrit@paymentgenes.com

Senior Sales Manager South Germany

Get in touch with: Diederik Klopper +31 64 26 72 190 diederik@paymentgenes.com