In this episode, Greg Toussaint, Director at Edgar, Dunn & Company, chats with Jacques-Olivier Schatz, CEO of Xpollens. Jacques-Olivier unpacks what embedded payments really mean and how they’re showing up in everyday experiences—from travel reimbursements and instant payouts to crypto wallets and marketplaces. He shares how Xpollens helps companies bring payments directly into their user flows without compromising on security or compliance.

They talk about how regulation, often seen as a blocker, can actually drive innovation when built in from day one. Jacques-Olivier also shares why banks and fintechs need to work together, and what the rise of AI agents could mean for the future of payments.

Join us for a conversation on what’s changing in the payments space—and why embedded finance is more than just a buzzword.

In this episode:

Defining embedded payments from a “Banking-as-a-Service” perspective
Real-world use cases: travel, insurance, crypto, marketplaces, and gambling
How modular payment solutions create seamless, real-time user experiences
Regulation as an enabler—especially with the rise of e-invoicing in Europe
Building compliance, security, and automation into payment APIs from day one
Bridging the gap between fintech agility and bank robustness
The future role of AI agents in commerce and payments
Challenges ahead: security, consent, and responsibility in AI-driven transactions

Resources:

LinkedIn: https://www.linkedin.com/in/jacques-olivier-schatz-b3062720

Website: https://www.xpollens.com

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