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Nicholas Holt

Nicholas Holt Head of Solutions and Delivery, Europe at Marqeta

A Whole New World of Embedded Finance

As more people use smartphones and other mobile devices to conduct their daily lives, mobile payments are becoming increasingly popular, for example, research suggests that over half of US and UK consumers had used a mobile wallet in the last 90 days. Simultaneously, consumers across geographies expressed a growing comfort with the idea of a c...

/payments

Nicholas Holt

Nicholas Holt Head of Solutions and Delivery, Europe at Marqeta

Paying it Forward: The Future of BNPL, GenAI, and Embedded Finance in PayTech

Amid continuing economic uncertainties, consumers are taking advantage of a raft of emerging technologies in financial management, investment, and savings. We are rapidly moving towards a cashless society, where card payments and digital wallets are the norm. We stand at the brink of a revolutionary period in fintech, driven by embedded finance so...

/payments /predictions

Nicholas Holt

Nicholas Holt Head of Solutions and Delivery, Europe at Marqeta

2024 Fintech Forecast: The Year of Flexible, AI-Powered Personalised Credit

In the UK, 2023 was dominated by the continued impact of the cost of living crisis and rising inflation, leading to tighter budget restraints and growing consumer demand to have more control over their finances. In 2024, I I predict the desire for flexibility will continue, through growing demand for new features and technologies such as Buy Now, ...

/payments /predictions Artificial Intelligence and Financial Services

Nicholas Holt

Nicholas Holt Head of Solutions and Delivery, Europe at Marqeta

Will PSD3 inspire the inevitable embedded finance revolution?

Calling all payments nerds! The European Commission has published its proposal for a third Payment Services Directive (PSD3), building upon the achievements of PSD2 which sets out several key changes and developments that may impact financial services innovation. Implementation is not likely to take place before 2026, but the report has provided ...

/payments /retail

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