PaymentGenes FinTech Magazine|Q1 2019

QUARTERLY FINTECH MAGAZINE

PAYMENTGENES Featuring: ENTERSEKT LIMONETIK G2 WEB SERVICES WEX EUROPE

Talking about: Authentication UX Recruitment in France Security

PLUS Interview Tips Money 20/20 MPE Open Banking

in Amsterdam through our partnership with the event.

Dear readers, 2019 is off to a flying start here at PaymentGenes HQ. After a very succesful Q1, we are excited to be heading into the warmer months with lots to look forward to.

With the Brexit ordeal still looming over us, in this edition we'll take a look at the process of recruiting personnel in two of the cities that are vying to become Europe's next FinTech powerhouse, Amsterdam and Paris.

Our colleague Diederik Klopper shares his thoughts on this year's Merchant Payment Ecosystem event and you can score a nice discount on your ticket for Money 20/20 2

Our good friend Melanie Maier from Entersekt explores why top-class security and a smooth user experience shouldn't be mutually exclusive, we also take a look at Open Banking and what it could mean for us as consumers and of course, you can see our top job picks!

Be sure to follow us on LinkedIn and to join our Meetup group for exciting news and events.

Until the next edition!

Justin Reid-Ross Marketing Manager

Contents

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Entersekt

6

Limonetik

8

WEX Europe

The mobile security and authentication leader

Recruitment challenges in the fintech industry

Interview: Astrid Masle Boer

14

G2 Web Services (Part of Verisk Analytics)

19

Our Top Job Picks

Recruiting in France

Apply now!

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HOW YOU CAN HAVE IT ALL: Security AND great user experience

O

pen banking is no longer just hype. It’s become very real, and very soon we will see even more solutions based on the open banking standard.

This also means that we’ll see more scenarios, beyond login and transfers, in which authentication is required (for example, allowing a third-party provider access to your bank account – “access to account”).

However, not all authentication solutions are created equal.

A weak solution is a chore for your customers and undermines their trust in you; something that stands in the way of them doing business, shopping or communicating.

But, a superior solution can strengthen your customers’ trust in your organization; it can be a launchpad for digital innovation, a way to unlock capabilities you haven’t even thought of.

The authentication measures that have been used in the past won’t cut it in this world of open

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banking. Authentication that is weak on either security or userfriendliness will ultimately lead to customers abandoning your service.

A common security measure currently used is a one-time password sent via text message (SMS OTPs), but these can be intercepted. PhotoTan solutions are also common. But again, the user still needs to manually input an OTP or switch between apps, which results in a poor user experience. The only way to realize the possibilities that open banking brings to the financial services industry is by implementing state-of-the-art authentication that truly secures data and ensures ease of use.

Offering one-touch multifactor authentication, such as Entersekt’s Transakt, makes it easy to combine the best of both worlds: strong security and great user experience. With an out-of-band, push-based message to the user’s mobile device, which prompts them to

confirm or decline a transaction, the financial institution can effortlessly confirm the user’s identity and their consent to carry out a transaction.

"In an industry that is becoming more digitized, the highly sensitive personal data we want to keep private is increasingly at risk."

Push authentication doesn’t require the user to switch between apps, copy or remember numbers, or wait for a message to come through. With push authentication, communication between the bank and the user occurs over an isolated, encrypted channel that is not susceptible to the same attacks as passwords or SMS OTPs. The added bonus of this technology is that it is not limited to logins and transfers, but can be used for securing e-commerce

Melanie Maier Pre-Sales Solution Lead: DACH Entersekt transactions (as part of a 3-D Secure solution), P2P payments, password recovery, call center authentication and much more.

In an industry that is becoming more digitized, the highly sensitive personal data we want to keep private is increasingly at risk.

Having the right security technology in place both empowers the customer and allows institutions to focus on innovation and broadening their service offering. However, no-one wants information protected by cumbersome security measures that do not fit in with our pace of living, and so increasingly, biometrics are being used as an authentication factor in the banking and payments industries.

Many of us are already used to providing a biometric factor, such

as fingerprint or face recognition, will ensure that financial service when we want to unlock our providers meet regulatory smartphone or log into an app. requirements, as well as However, these static biometrics increasing user demands, as are not foolproof; they can still industry changes advance from be hacked. Behavioral biometrics, all sides. such as typing rhythm and velocity, swipe speed, and finger positioning, can help mitigate these risks when added to a Entersekt started back in 2009 with strong base layer of security a team of five. The founders had a such as the secure platform that vision to see the company become a Entersekt has developed. world leader in mobile security and authentication.

This solution can effectively secure high-risk transactions Today, it is a globally successful without negatively impacting organization of more than 140 the customer experience, while employees with offices in South also generating innovative new Africa, the US, and Europe. use cases and more rewarding Entersekt’s technology is used in 45 experiences for consumers on all different countries, and continues self-service channels. to expand and develop as new

About Entersekt

Selecting an authentication solution that combines the highest level of protection with the lowest possible user friction

opportunities in the authentication and payments spaces present themselves.

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Limonetik is an international payments aggregator whose services are dedicated to acquirers, gateways, tier-1 marketplaces and merchants. They offer B2B & B2C personalized payments solutions ranging from processing to collecting of more than 125 payment methods worldwide, directly or as a white label solution.

Their teams reflect the international presence of their customers, especially in regard to real-time local payments in both digital commerce or in-store via POS terminals. A pioneer in its field, Limonetik was born in 2008 before the explosion of Startups and Fintechs. Their agility and expertise has allowed them to evolve within a universe that has become ultra-competitive, while being able to maintain the values that drive them and make Limonetik a sustainable company that is great to work for.

How did you come in contact with PaymentGenes?

We had heard about PaymentGenes several times and met the team at various trade shows. The initial contact was really great and we decided to retain PaymentGenes among our reference hunting firms.

Tell us about your previous experience with recruitment agencies.

The job context is complicated in our indusrtry and the talent is often rare! We chose to entrust PaymentGenes with our sales recruiting needs at first.

The crux of our challenge lies in that our business is international & multicultural, but we are based in one location, Paris. In addition, we do not want to recruit staff from the competition.

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To us it is essential to expand by capturing new employees from related fields. They will open up our perspectives and bring their value in terms of experiences and skills.In addition, to go hunting among competitors is a bit unsavoury as our competitors are often also our customers.

We make it a point of honour to respect our ethics. It is in this sense that PaymentGenes accompanies us: to find talents that other market players would not have found!

How would you describe your relationship with PaymentGenes over the past year?

I love working with the PaymentGenes team. The exchanges are always very positive and productive. The difficulties and disputes are mentioned in full transparency.

What do you see as the specific challenges that you face when hiring talent in the FinTech industry?

Fintech has become very attractive but many people do not know exactly what it is.

This industry is now wide and covers many areas of expertise (Payments, RegTech, IA, Mobile, Fraud & Security, OpenBanking‌) When candidates apply, they often want to join a "startup"; integrate into a specific atmosphere and benefit from what they think are the values of this type of structure (younger average age, innovation, freedom, mobility, etc.). But, often the big Fintech players are established companies.

Becoming a Scaleup or even a Unicorn is not easy. This can be done in a healthy, positive and dynamic way, but with strict organization, ambition and rigor.

As a recruiter, we need to know how to find technical and business skills, but also to ensure that they fit into the company's philosophy and that they are sustainable.

the workspaces, the ratio of life expectancy / professional life and the feeling fulfillment, amongst many other things.

If you asked me to choose today between being a CMO or HRD, I think my brain will bug-out because I love everything I do, including recruitment!

description of a typical day.

Then you have to brief the specialized recruitment firm, your partner, and be transparent with them as well as with the candidates.

If you do not know what you need, or are searching for a five-legged sheep, you have to work with your partner, to better determine the need. It is important not to lose direction during recruitment. Nothing is more disappointing than a change of course and lack of decisionmaking.

Don't forget that your supplier knows their business, the profiles available on the market and current trends.

LIMONETIK GUARANTEES REGULATROY COMPLIANCE

Corinne Estève Diemunsch Marketing & Communications Director / HRD

Today employees are very volatile and it is very expensive for companies to recruit and onboard a new employees. It is therefore essential to know how to retain your employees by setting up lasting loyalty schemes.

If there was one thing you could change about recruitment, what would it be?

Off the top of my head, I do not have the faintest idea! I never thought about it. Human resources, and more specifically recruitment, is an exciting field that brings a lot of personal satisfaction. It also also allows you to reflect upon the human, the organization, the changes of

How do you think FinTech companies should approach hiring new team members, and what should the role of a specialized recruitment firm be in that process?

Corinne joined Limonetik in early 2013 as Marketing and Communivatuions Director (CMO). Today, her role has expanded substantially.

She also covers Human Resources as a whole, CSR initiatives and important relocation projects amongst many other things.

Prior to launching recruitment, it is essential to qualify the need; find out if you want a junior profile, an established candidate or someone more experienced.

You need to benchmark salary with current market practices, investigate whether the position can be opened to inexperienced profiles in the specific area of activity and establish what your prerequisite requirements are.

It is imperative to create a job description and clearly define the daily tasks by sharing the

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WEX is the global leader in travel payments, allowing businesses to manage their supplier payments more securely and efficiently. We spoke with the new EMEA Director of Relationship Management, Astrid Masle Boer to chat about her experience with PaymentGenes.

What was it about the position that you were introduced to by PG that that caught your interest originally and why did you end up going for the interview?

Well I think it really started with Marek (Buenting, Global Consultant at PG), we talked about what I wanted and I was familiar with PaymentGenes through my work with Global Collect, so I knew who you were.

When I was starting to look for a new job, I was very specific in what I was looking for. So I would have to say it was more Marek who figured out what would fit best. I was introduced to the position based on the criteria I provided. My criteria were very much centred around something that was fast paced, that was growing, well-funded, but gave a lot of independence.

It could be a US headquartered company, I did want something that was more of the American mentality - scale fast, celebrate success, but I was okay with it being smaller in Europe because

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that again gives the potential for growth. So it was really that my criteria was being matched to a company, and the more I learned about it the more I thought, ooh this is really good!

Could you talk me through the role that Marek played in the process of applying for the role and during the interview process as well?

I had spoken to Bram (Vreugdenhil, Partner at PG) before, I know Darcus (Shannon, Freenlance Consultant at PG) and I know several other people at PaymentGenes and I think they all spoke amongst themselves and said this will be a great fit for Astrid. So once they identified the company and the role, Marek called me and first told me about the job and I thought that it sounded like an interesting match. He also sent some brief information so I could better understand the content of the role and so that I could do research online.

After that, when I said that the position still sounded interesting to me, then we set up the first call.

Before that first call, Marek gave me a little more detailed info (that probably wouldn’t be openly available), as he of course had already worked with the business I was interviewing at. For example, he explained what it would be like to work for the hiring manager. When I had the conversation, I was able to be well prepared and ask the right questions that were important to me, but also relevant to their business.

When it came towards the end of the interview process and heading into receiving an offer and going through final negotiations, how involved was PaymentGenes?

This is where we kept each other in the loop. Since this is such a senior position and I negotiate for a living, Marek’s approach

was more to offer assistance only if necessary. This was a little different than what I had experienced before in other more junior roles, where everything went through the recruiter.

This was really a three party system which it worked really well. I really appreciated the fact that PaymentGenes was able to adapt their style to the situation and we just made sure to keep each other in the loop.

We communicated through, Whatsapp, Skype and phone calls and that was a really simple and pleasant experience.

What previous experience have you build up over your career that makes you perfect for this new position?

The commercial experience that I have, in particular selling value-added services. I've never actually sold a physical product, which is a little odd, but I am very keen on selling premium services because you really have to show the value, what’s in it for the customer? I've always had the privilege of being able to spend time not only leading teams but also getting very close with customers. I love customer meetings and actually hearing directly from them what they are looking for and how we are doing and then feeding that information back into to the company.

What is also a very good fit, is that even though I'm Dutch, I grew up in the states so I think

that was just a really good cultural fit. Over the years I've build up so much global experience, that I am very in tune with how different people do things differently. It’s not about right or wrong, it’s trying to figure out how they do things and how can I be helpful. I think the actual experience not only in payment services, but value added services and leading teams in an international environment are my key strengths for my new role.

What in your opinion is going to be the next big thing in Payments or in Value Added Services?

There will continue to be consolidations.

It's still going to be a very big challenge for the incumbents since it’s much easier for the newbies to start out with these super high tech, new infrastructures.

It’s easier, and it's in the cloud.

When you think of banks, they’re stuck with legacy systems.

Very good legacy systems because they have been in business for years and years, but I think moving away from those systems is going to be the challenge. How are they going to get people to start doing things differently, how do they get people to see that it’s time to change and to move forward?

"When I had the conversation, I was able to be well prepared and ask the right questions that were important to me, but also relevant to their business."

From a consumer perspective, do you think that it’s becoming easier to choose a “newbie” over an incumbent, because of the fact that they are scaling quickly, driving exciting marketing campaigns and offering a simpler and more exciting choice?

For the early adaptor segment, yes. So not only millennials, but also people who are a little bit older who are still very keen to try out new things and I consider myself to one of those people. You will always have a segment of the population who will stick with legacies and feel that if it works they won’t change. You’ll get those people and that’s fine, but the early adaptors however, are absolutely keen to use those new services which are easier for them to use, but are also more transparent.

Astrid Masle Boer EMEA Director of Relationship Management

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Merchant Payments Ecosystem (MPE) is Europe's Largest Merchant Payments conference,exhibition and community focused on card aquiring, alternative payments, merchant services, POS, mobile and online payment acceptance.

MPE connects merchants, acquireres, PSPs, payment processors, schemes, regulators , gateways, POS HW/SW solution providers and innovative FinTechs. Diederik Klopper was there and shares his thoughts on the event..

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"1080 attendees, including 245 merchants and 300 acquiring banks & PSPs networked in a cozy atmosphere of the 5-star hotel and were inspired by 140 TOP industry speakers, 75 solution providers showcasing cutting-edge payments & POS solutions."

Every year the PaymentGenes team looks forward to the Merchant Payment Ecosystem event, one of the largest payment acceptance conferences in Europe. Over the years it has become a gettogether for all major decision makers in the payment industry, and therefore the place to be for PaymentGenes and all other industry leaders.

Our group flew in on Tuesday morning, and we noticed one major difference compared to last year. The merchants were much more prominent this year, which created an interesting dynamic.

This dynamic is fueled by levels of uncertainty concerning PSD2, SCA and the implications this will have for Merchants, APM’s, and PSP’s / Acquirers. After speaking to various merchants and PSP’s, we noticed a general tendency to look towards the schemes and issuers and how they will help the payment value chain in these difficult times.

The audience, however, was quite unanimous in believing there will be little to no help from the schemes and issuers, and it all falls on the plate of the PSP’s/acquirers, APM’s and merchants.

One of the main challenges is how to integrate SCA without ruining the UX, and by doing so, decreasing conversion. Additionally, there are various merchants out there that are unsure of how to implement SCA into their proposition, since for each consumer, the frequency, amount, and location often differ.

During MPE it also became clear that there is a strong need for systems or products to slow down the increasingly growing amount of E-commerce fraud that companies are experiencing, each at a growing cost per case.

With the September deadline of PSD2 rapidly

approaching, there is still a lot of uncertainty, and both payment companies and merchants are justifiably scared.

On the second day we saw a lot of presentations on how to use AI to our benefit, helping us with KYC, AML and to reduce fraud rates. It became very clear that the propositions have come a long way since we first started hearing about them a few years ago, but time will tell if they will be accepted on a competitive scale in 2019.

Back on the floor we noticed that quite a few merchants are struggling to get actionable insights on their data, for a wide array of reasons.

Some are not satisfied with the data tooling provided by their PSP, others are not able to collect the useful data, while others do have all the data but are not able to turn it into actionable information. We clearly saw a trend that a strong partnership with the PSPs is key, but that the demand for in-depth knowledge at the merchant level is growing as the amount of data grows as well.

This, combined with the fact that merchants are increasingly aware of the importance of having a solid payment setup, leads to the need for payment experts from all sides of the payment value chain within an organisation. As new APM’s are popping up left and right, large PSP’s/acquirers are merging and the demand for payment knowledge is growing on the merchant side, we have noticed a great deal of movement in the payment industry labour market.

All in all, we face numerous challenges in the market as it is, and with the current pace of development that number will only increase.

How to stay on top of things is no longer a quick and easy answer.

Diederik Klopper Business Development Consultant - DACH 11

Open Banking & The Consumer S

What you need to know

ince the introduction of PSD2 and Open Banking, a lot has been said about the repercussions for banks or other financial institutions.

The increased competition, the accountability and the overall transformation that would need to occur in the industry were often the themes most commented on. A year on, and there is still little being reported about the consumer and their position in the new ecosystem. Prior to the Open Banking initiative, questions were asked, polls were taken and opinions were shared about how consumers would feel about sharing their data with trusted 3rd parties. One such survey, conducted by Accenture, found that two-thirds of UK consumers wouldn’t share their financial data with third-party providers.

Perhaps more alarmingly however, was that 53% of those consumers said that they “will never change their existing banking habits and adopt open banking”. A PWC report, conducted in collaboration with the Open Data Institute, which looked at the first 6 months of

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open banking found that just 18% of consumers were even aware of it. The report, maybe somewhat enthusiastically, forecasts this to reach 64% by 2022.

Open Banking – In a nutshell Many people are still unsure what Open Banking is exactly…

And what is PSD2? And how are they connected? Let’s lay it out: Firstly, Open Banking and PSD2 are the same things. In the UK the directive is known as

Open Banking while in the EU, it is called the Second Payments Service Directive. What this directive demands, is that

banks must offer standardized APIs for approved 3rd parties, providing Account Information Services (AIS) as well as Payment Initiation Services (PIS). AIS is the opening up of direct access to customer’s account information data & transactions to (trusted) 3rd parties.

This allows for services like comparisons and advice based on live information, as well as personal budgeting across all your accounts in a single app.

Consumer Impact So, after all of this, do we as consumers still have any idea how open banking is benefitting

us right now? Let’s take a look at a few ways in which PSD2 has impacted our overall banking experiences, and how this could change in the not-so-distant future.

1. Modularity Open banking provides us with the opportunity to get smart about our finances, and to choose our preferred products based on their overall benefit to us. We’re no longer stuck choosing only the products from the bank we use for our dayto-day transactions, and it’s so much easier to have a complete overview of all our financial products, the transactions that we make and to also automate our savings habits within a single app. This transparency is great for tracking our personal budgets and while it may sound like a lot of work, after a short initial period of setting things up, we

KLM is the first brand to offer Open Banking as a payment method for its UK customers. This means that they can explore receiving funds directly from consumers

are left with a far less murky financial world to deal with.

2. Competition Open banking has opened the financial world to more competition than was previously seen. Price comparisons and switching services make it easier than ever to choose better or cheaper products with a competitor. This increases the number of choices we have, but will also lead to more efficient products being produced, in a bid to attract our business. The financial services landscape is rapidly becoming more consumer-centric and we’ll continue to see the rollout of products and services that challenge the status quo, placing the consumer in a prime position to gain the most benefit.

3. Accountability It’s worth highlighting that in a world where data is king, the risks associated with it are extremely high. Matt Cox, Head of Open Banking at Nationwide says, “In a world where the data is freely available and the consumer chooses where to do their digital banking, this raises

some interesting questions around accountability… This is something we will have to decide upon collectively as an industry.

Practically we need to ensure the security of that change of data… GDPR rightly ensures the way we get consent for sharing and securing that information is in line with what members [customers] expect.”

A huge concern for banks is the liability in the case of a hack.

Consumers will essentially have to be trusting that the APIs are working effectively and in a way that won’t allow criminals to embed themselves between the banks and the trusted 3rd party applications.

Conclusion With Open Banking slowly starting to become more mainstream in 2019, we will start to get a glimpse of how the technology works and how early adopters will implement it into their payment (and other) strategies. What remains exciting to see, is what type of new products and applications will emerge from the new data streams available.

left: KLM offers UK clients the chance to pay using Open Banking

Written by: Justin Reid-Ross 13

Tips for su What was your engagement with PaymentGenes?

I needed to hire a Business Development Manager for Southern Europe, preferably to be based In Paris, with a payments background as well as some other specific qualifications.

Dan van Leer Regional Director EMEA and India at Verisk | G2 Web Services

Can you tell me a little more about G2 Web Services?

G2 Web Services (www.g2llc.com, a Verisk Analytics business) helps acquiring banks, PSPs, and online marketplaces keep clear of ecommerce merchants that violate local laws or credit card scheme rules, such as Illegal drugs or pharma, child exploitation, and counterfeit goods.

Such merchants can operate either openly or covertly, by channeling the payment through a legitimate-looking front site, which is known as transaction laundering.

We are the global leader in this area of risk management, continuously monitoring and analyzing millions of data points from merchant websites that together account for some 70% of the world's ecommerce. In doing so, we've also created the world's largest ecommerce merchant risk database.

So it's a real "big data" activity, closely linked to the payments world.

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This means I needed an executive search firm specializing in payments, with a network In France. There are not many firms who can do this, and - surprisingly as I found - apparently none in France itself.

PaymentGenes' Anna Velly, who is French, and her colleagues did an excellent job in finding qualified candidates for the role, and in providing guidance throughout the process, resulting in a successful hiring decision.

How Is hiring In France different from, say, hiring In the Netherlands?

While we have clients in France, we don't actually have an office there, which added a layer of complexity. There are many things to consider, including complicated labor laws, possible corporate tax implications, and high employer social contributions.

On the other hand, some things In France are actually simpler. For example, if conditions are met, a trial period can last up to eight months, compared to only two in Holland.

Also, in case of Illness, a Dutch employer Is liable to pay salary for up to two years, whereas In France, the government takes over.

uccesful recruiting in France

What would be your Any additional remarks? advice to companies Yes. Due to the aforementioned complexities, France may seem like a bit of a scarecrow, and hiring In France for the there's some truth to that. But It's a fantastic ecommerce market, and with extremely talented people, so don't let that put you off. first time?

Just go!

(smiles) Get a good recruiter! In all seriousness, also get a good employment lawyer, and make sure you have everything in order from both a legal and financial perspective before you start the actual recruitment process, to avoid the possibility of delays later on.

We were fortunate to have access to relevant expertise through our global HR organization, including third party French legal counsel.

I also spoke to a Paris-based law firm that specializes in commercial exchanges between the Netherlands and France, Amstel & Seine lawyers, who were very helpful.

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In 2019, Europe’s biggest FinTech event is back in Amsterdam

Join Money20/20 Europe to experience:

An unmissable event for the smartest visionaries and innovators, Money20/20 is where the payments, FinTech and Financial Services communities come together to connect and build the future of money. From industry institutions to up-and-coming innovators, everyone is here, every time. Businesses come together to explore unique regional insight and trailblazing enterprise, seizing the opportunity to meet the person or land the deal that will change the trajectory of their business.

• The continent’s largest marketplace for ideas,connections and deals in payments, FinTech and Financial Services • Original content tackling the most disruptive and trailblazing topics, both regional and global • The latest thinking on themes as diverse aspayments, AI, data and analytics, distributed ledger technology and more • Breaking business news, product launches and exclusive industry announcements • Unrivalled networking opportunities with influential leaders from the whole of the financial world • Access to the most promising startups, entrepreneurs and innovators

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PaymentGenes is an of ficial par tner of Money20/20 Europe

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Join us in Amsterdam during Money20/20 for the second edition of the PaymentGenes Rooftop Beach Party!

Last year's inaugural edition was a huge sucess and this year it is back by popular demand!

Be sure to join our Meetup group for regular updates

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6 tips

Crucial

to thrive in

ANY

job interview I: Research the Company To be able to leave a lasting impression it is crucial to research the company. You have to be able to answer any question regarding the company; what they do, the industries in which they are active, their major competitors. There is good chance that they will not ask for all this information, but being unable to answer these questions or quickly anticipate the next path of the conversation makes you seem less prepared and less likely to ace the interview.

TIP: Practice a 60-second elevator pitch about the company. This teaches you to explain what the company does in an uncomplicated way.

II: Company Culture This complements our first tip, as it requires researching the company, but knowing the company culture is of vital importance, hence it’s own spot on this list. The 3 key aspects of company culture that matter for a job interview: 1. Dress code 2. Communication 3. Core Values Having gained knowledge about these 3 key aspects before you go for a job interview will show your intent to join the organisation, and on the flip side, not preparing will definitely make you vulnerable for severe criticism.

III: Prepare some questions Preparing questions for the interviewer is essential for a successful job interview. A single question can show your capability of understanding the business and the tasks that you will be doing. Essentially, a company is hiring you to solve their problems, and if you are able to ask relevant questions is the moment you can truly find out the

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Follow us on LinkedIn for the latest payment & FinTech News, the best jobs and key insights for your professional career. company’s pain points, and explain how you would be the right person to solve them. Here is one powerful question you can ask (even more relevant in Payments/ FinTech): “Given the pace of technological change, how do you think my role will change in next 12 months?”

IV: Know yourself You have to be able to sell yourself to the interviewer, by knowing the right things about yourself that are relevant to the role and the organisation. Preparing a 1-2 minute pitch about yourself is a great way to present your most important capabilities and experience. In doing so, stay true to who you are and don’t embellish your achievements. The truth always comes out!

Be prepared to give very detailed descriptions of your past triumphs. It’s good to have 3 examples of relevant projects that you have worked on recently.

V: Be on Time As simple as it sounds, your first impression counts.

Coming late to an interview accounts for 58% of disqualifications. This is an absolute deal-breaker, so you simply cannot afford to show up late.

BONUS TIP!

Look at our interview Guidelines! If you are interested to learn how we prepare our candidates before they go to a job interview, send a request to info@ paymentgenes.com and we will send you our specially made interview guideline!

PaymentGenes Top Job Picks Solution Architecht Berlin Get in touch with: Diederik Klopper +31 6 42 67 2190 diederik@paymentgenes.com

Product Owner Mobile Payment

Paris

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

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

Head of Databases Munich Get in touch with: Borja Gonzalez +31 61 74 51 273 borja@paymentgenes.com

Senior Sales Manager Amsterdam

Sales Director Brussels/Dusseldorf

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

Get in touch with: Ronald Vogel +31 6 43 21 3652 ronald@paymentgenes.com

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Recruitment. Personified.

SINGEL 250 1016 AB AMSTERDAM THE NETHERLANDS www.paymentgenes.com //

info@paymentgenes.com //

+31 (0)20 223 7888