presentation

1. Open banking in
B2B, is it a thing?

2. SLOW TAKE OFF FOR B2B IN EUROPE
Support for business accounts access took
time and is still not working as expected
Several clarifications from EBA were needed
for the support of bulk payments support
24h token validity is still a thing with some
banks (almost over but still…)
Complex mandate setups still not properly
supported

3. 3
THE MAIN USE
CASE REMAINS
ACCOUNTING
72%
21%
4%
Accounting Daily Finance Treasury Real Estate Other
Based on data from 200+ software providers using our products cross 8 different countries

4. 4
WITH TRAFFIC
DRIVEN BY SOHO
AND SMALL SME
83%
12%
3%
< 50 emp. 100 - 50 emp. 50 - 100 emp. 100 - 1000 emp. > 1000 emp.
Based on data from 200+ software providers using our products cross 8 different countries

5. 5
CONCENTRATED
IN SPECIFIC
BUSINESS
ACTIVITIES*
15%
16%
7%
20%
8%
14%
20%
Wholesale Professional activities Manufacturing
Construction Administrative activities ICT
Other
*Based on data from BE only companies using our platforms and on NACE CODE

6. What to expect now?
PSD2 is not yet a real game changer for B2B
It’s not going away (SPAA, PSD3, Open finance, …)
Both industry and regulators are not going backwards

8. 8
MORE CREATIVE
USES OF SCA
BECOMING
VISIBLE
Use SCA as a way to validate account
ownership to setup an online SDD mandate
and reducing SDD fraud
In production for 2 years in Ponto as a
payment method with ”SCA as mandate
signature”
Now seeing others using same technique
(BNP Paribas announcing Worldline
partnership for this specifically)

9. 9
CHATGPT
POWERED BY
OPEN BANKING?
Credits to Mike Kelly on Linkedin
Or the growth of the lowcode/nocode
movement (check out our Zapier connector
for Ponto 😅)

10. 10
THE END OF THE
FREEMIUM
(SPAA… 👀)

11. 11
MORE
COMPLIANCE 🎉
You thought there were too many?
Introducing DORA, AML, NIS2, PSD3, Open
finance, DGA, EIDAS2, Digital Euro…
What about the interplay of all these?

12. 12
MORE SANITY IN
FINTECH
The Cambrian explosion seems to be over
The race to the bottom seems to be behind
us
Investments across industries have
plummeted
Most Fintech startups need to find
sustainable models now

13. WE HAVE ONLY TAKEN
THE FIRST STEP

14. The journey of a thousand miles begins
with one step – Lao Tzu
mlainez@isabelgroup.eu