Metaverse 4 Finance Accelerator has started. Representing the first Italian acceleration program - fostered by the Sella group and implemented by dpixel, its Venture Incubator, in partnership with OGR Torino – it aims to identify and support the growth of national and international startups for the development of innovative, economically sustainable, inclusive and safe solutions and technologies within the financial applied Metaverse.

The metaverse is a multifaceted, ever-changing digital environment designed to make people's experiences on the web immersive. According to Grand View Research data, the metaverse is expected to reach a global market value of $678.8 billion in 2030 with a compound annual growth rate (CAGR) of 39.4%. Based on a combination of high-tech factors such as infrastructure, interfaces, hybrid/virtual experiences and creator economy, the metaverse can enable new and unexplored market opportunities for the world of finance as well.

The Challenge

The acceleration program was born with the ultimate goal of bringing benefits to people during their approach and adoption of the metaverse, proposing solutions able to anticipate and guide the development of the same. Startups already represent a pillar in the construction of the new digital environment and even the smallest business projects can play a significant role in the growth of metaverse finance: startups are in fact core to this path and increase the speed of innovation of large companies. The Sella group supports the initiative to foster and enable finance in an increasing development scope such as the metaverse.

For Whom

Metaverse 4 Finance Accelerator aims at domestic and international startups able to forge disruptive innovations on the market through technologies applied to metaverse finance. Startup requirements involve a defined core team, a clear value proposition, a prototype ready for market launch within 6-10 months, and a TRL (Technology Readiness Level) greater than or equal to 6.

Phases and Funds

The initiative will run for a period of 6 months involving 4 phases: a first phase of Scouting & Selection entailing the evaluation and selection of the most suitable startups, followed by the second step of Business Acceleration to support the business plan and identify the 10 best startups. The technical validation phase of the products and solutions will then come next for the 5 finalist startups (which will receive a funding of 100,000 euros each) before moving on to "matchmaking", exploring the opportunity of integrating the developed innovations within the processes of companies operating in the industry.

"In this unique period combining evolution, discontinuity and transition to Web3, it is even more essential the continuous support to an open and innovative ecosystem to give impetus to ideas and solutions useful to citizens and businesses, wherever they act, be it the physical world or the metaverse. Through this Metaverse 4 Finance initiative, the Group takes a further step forward to increase the country's ability to innovate and thus drive its growth and development, involving exclusive partners and calling together national and international startups, representing a vital resource to invest on for the economic and social progress" comments Stefano Azzalin, CEO at dpixel.

"Among the many interconnected phenomena that reshape the social and economic dynamics of the present, the metaverse represents a particularly challenging frontier full of opportunities. Further to the unexplored potential of a true "new reality" where to move and relate, there is the dimension of a megatrend currently in full swing that will have far-reaching repercussions on all sectors of our life, from socializing to gaming, from marketing to finance. For this reason, the commitment of institutions, bodies and companies capable of charting a direction in the name of inclusiveness, safety and sustainability through the support and sharing of skills and experience is a must. This is the goal with which OGR Torino wants to be alongside dpixel for the launch of Metaverse 4 Finance Accelerator, with the awareness of being able to support the development of a strategic and disruptive vision for the future universe of the internet and, therefore, of society", says Massimo Lapucci, CEO of OGR Torino.

Partners

dpixel, Venture Incubator of the Sella group operating for over 10 years in the European market and with over €36 million of yielded investments, is the Accelerator Partner of the initiative, with the task of managing all the design, implementation and investment aspects of the same. The selected startups will benefit from more than 16 weeks of support from dpixel’s mentors and access to an exclusive network of partners.

OGR Torino is an international hub of 35,000 square meters in the heart of Turin, a unique experimentation centre in Europe, dedicated to contemporary culture, innovation and business acceleration. As an Innovation & Networking partner, it will make available to startups selected for the Metaverse 4 Finance Accelerator program its network of financial, corporate and applied research centres, a business community of international standing, tools and services, and support in intercepting funding opportunities (direct and structural European funds), advice through a legal and tax assistance desk. In addition, OGR Torino will actively take part in the project enhancement to extend its impact on the territory and synergy with other active projects at OGR Tech.

Zumo, the Edinburgh-based crypto wallet and payments platform, has appointed Clark Povey as its new Operations Director to shape the moments that matter in people's crypto experience.

Clark has over 20 years of experience leading global operations at financial services and technology companies. He will oversee Zumo’s operations and customer service strategy, and implement digital-first solutions to help the company to scale and expand geographically.  

Clark will be responsible for ensuring that Zumo’s operations are run smoothly, built for continued growth, and delivering best-in-class customer support. One of his first tasks will be to work with the Head of Compliance to implement a new customer onboarding solution, establishing a new onboarding team to support customers as crypto moves to the mainstream.

Prior to joining Zumo, Clark held a number of senior operations roles at some of the world’s biggest brands and delivered award-winning results, putting the customer at the heart of operations whilst implementing significant change in dynamic environments.

After starting his career as an engineer, he worked in leadership positions at Virgin Media, wealth management firm Brewin Dolphin, telecoms giant Three, Barclays and Worldpay. At Barclays, Clark was the Head of Video Banking, transforming the bank’s customer experience, and driving up its Net Promoter Score, by supercharging its digital channels and introducing 24/7 video chat capabilities.

Clark Povey, Operations Director, Zumo, said: “My motivation is transformation and innovation. I believe there are three key pillars underpinning excellent operations: delivering exceptional customer service, which creates the moments that matter; creating a powerful workforce and investing in people so they bring their best to work, and delivering a world-class application.”

“I’m not just digital-first, I’m also operations-first – every operation has a different output, a touchpoint that we can learn from and make improvements immediately. These are the moments that matter – the differentiators that others don’t deliver. And delivering these moments is particularly relevant to crypto, with education and high levels of customer interaction crucial to supporting the continued growth of the sector.”

Nick Jones, Co-founder and CEO, Zumo, added: “Clark is a fantastic addition to Zumo’s rapidly-growing senior team. He has spent years making a measurable difference at top brands by pushing the boundaries of service innovation, building great teams and providing inspirational leadership. He is a well-regarded expert when it comes to delivering digital transformation and high levels of customer service, and he will help us to take Zumo to the next level.”

Clark is the latest in a number of senior hires for Zumo, which has doubled its headcount over the past 12 months.

Since April 2022, the company has announced previous Chief Operating Officer Dagmara Aldridge’s new role as Chief People and Culture Officer, and hired Jonathan Sepulchre as Head of Growth, following his achievements at Money Dashboard and Skyscanner, to help spearhead its rapid expansion.

Following the success of the Zumo App, last month also saw the launch of Zumo Enterprise, the UK’s first full-stack B2B ‘Crypto-as-a-Service’ platform; an embedded solution that helps financial institutions and fintechs meet growing demand for crypto products quickly and at cost-efficiently.

Interswitch, Africa’s leading integrated payments and digital commerce company, and Compass Plus Technologies, an international provider of retail banking and electronic payments software, have announced a partnership to further strengthen Interswitch’s payment card processing capacity in Africa.

The strategic partnership will see Interswitch utilise TranzAxis, an award-winning, token-based, cloud-native and API first open development payments platform developed by Compass Plus Technologies with innovation at its core, for Verve, Visa and Mastercard credit card processing.

This collaboration forms part of Interswitch’s comprehensive response to the evolving and constantly expanding demand by the African market and will boost its presence across the continent as it continues to deliver on its promise as the gateway to Africa’s payment ecosystem. Currently, six banks across Africa have been onboarded on the new platform, resulting in a major collaboration with Sterling Bank of Nigeria to launch the first Verve credit card in the country. 

Commenting on the collaboration with Compass Plus Technologies, the Managing Director, Payment Processing and Switching (Interswitch Purepay), Akeem Lawal said:

“We are pleased to announce this partnership with Compass Plus Technologies which aligns with our commitment to making payments easy and convenient. Migrating our card processes to the TranzAxis platform will allow us to further improve our service offerings as we remain focused on providing cutting-edge solutions that optimize service delivery.”

He also added: “Interswitch will continue to leverage strategic partnerships like this that will position us for greater impact on the African continent.”

Also commenting, Adil Ahmed, Vice President & Deputy Managing Director, MEA at Compass Plus Technologies, said:

“We are delighted to partner with Interswitch, one of the biggest processors in Africa. Interswitch has always strived to drive positive change in the region, and now that they have TranzAxis to support their ambitions, they will continue to revolutionise Africa’s payments space in the region, further strengthen the Verve payments network, and manage their Visa and Mastercard credit card business more efficiently.”

By utilising TranzAxis, Interswitch can rely on its extensive API capabilities for seamless integration, which significantly accelerates time-to-market. It also provides operational workflows to segregate systems set up in compliance with rules and controls required to scale and meet unique market requirements.

The new platform has been deployed in one of Interswitch Group’s technology hubs domiciled in Nairobi, Kenya, and will have the capability to process transactions for Interswitch clients across Africa, with localised instances for each country carefully tailored to meet clients’ unique needs.

Klarna, a leading global retail bank, payments, and shopping service today announced the launch of its new Loyalty Card feature in the Klarna App. This allows app users to store and access their physical loyalty cards as digital versions, removing the need to carry plastic equivalents while shopping in-store. In addition, Klarna today launched its new in-store payment feature “Digital Cards”, empowering UK consumers to pay for any purchase in three, interest-free instalments in the physical stores of participating retailers. The new features transport the flexibility, convenience, and control of Klarna to the in-store shopping experience, saving consumers time and money every time and everywhere they shop. 

All your loyalty cards in one place

Loyalty programs are very popular amongst UK consumers. According to a 2022 study, 87% say loyalty programs influence them to buy again from a brand. However, today many loyalty programs require consumers to carry a physical card with them, which consumers find inconvenient. In a recent Klarna survey, nearly a third (30%) of UK respondents have been put off signing up for a loyalty program because they didn’t want to carry another card. In addition, nearly half (48%) of British consumers do not carry all of their loyalty cards with them while out shopping, meaning they regularly miss out on rewards when shopping in-store. 

Powered by Klarna’s successful acquisition of mobile wallet provider Stocard in 2021, the new Loyalty Card feature in the Klarna App solves this by enabling consumers to store all of their physical loyalty cards as digital versions in one place. Now, shoppers can easily access any of their cards directly in the Klarna App and never miss out on loyalty points or perks again. At the checkout, the card’s digital barcode stored in the app can be scanned in the same way a physical card would be scanned. The feature supports over 400 reward programs in the UK alone, spanning everything from clothing and beauty to technology and groceries. 

Björn Goss, Product Director at Klarna and Founder of Stocard: “Physical loyalty cards are an inconvenience in today’s digital world and are therefore often left at home, resulting in consumers missing out on deals and merchants losing a prime opportunity to reinforce brand loyalty.  We all know the situation: you are offered to join an attractive loyalty program but don't want to carry yet another plastic card around. By equipping Klarna App users with a digital space to collect their loyalty cards we allow them to reap the rewards of their in-store purchases in a far more convenient way, helping ensure that every penny spent counts towards a return.”

The power of “Pay in 3” - now also in-store

In addition to storing all of their loyalty cards in the Klarna App, consumers can now also use the app to split any purchase at partnered physical stores into three, interest-free payments with the new “Digital Card” feature. For retailers, there is no point-of-sale integration or technical activation necessary to offer “Pay in 3” in their stores. App users simply create a digital card for the purchase amount in a few seconds and pay by tapping their device to the retailer’s existing card terminal, giving consumers the same flexibility, convenience and control they know from using Klarna’s popular “Pay in 3” service online. This offers a desperately needed alternative to high cost credit cards, which burden British consumers with APRs that average out at a staggering 20%. The monthly repayment schedule for in-store “Pay in 3” purchases is transparently displayed in the Klarna App, with reminders for upcoming payments ensuring consumers always stay on top of their finances.

The new digital card offering launches today to all Klarna partnered retailers and is already available at 89 stores across the UK, including the likes of OSPREY LONDON, Patisserie Valerie, GANNI, Rieker and TJ Hughes.

The new experience will soon be enriched further with smart tools serving to create a true omni-channel shopping experience. These include an interactive map showing app users the partnered retailers nearby, and a barcode scanner so consumers can save items in their Klarna Collections or even place an order for a size or colour that is out of stock. These tools not only help consumers along their shopping journey but also offer new engaging ways for retailers to drive traffic to their stores, improve conversion rates and understand their customers’ shopping behaviour across on and offline channels. 

David Fock, Chief Product Officer at Klarna: “While online shopping has experienced an outright boom in recent years, presently, 74% of UK retail sales are still made in brick-and-mortar stores. At Klarna, we want to give consumers the world’s best shopping experience, no matter whether that’s online or on the high street. After the launch of the Klarna Card and our revolutionary Virtual Shopping tool, we are now delving deeper into physical retail. By bringing ‘Pay in 3’  into UK stores, we reinforce Klarna’s role as a growth engine for retailers and raise the in-store payment experience to a new level of convenience and flexibility.``

How does the Klarna Loyalty Card feature work? 

• Step 1: From the homepage of the Klarna App, click on the Loyalty Card icon and select the “Add card” button to see a full list of supported merchants and loyalty programs. Here users can browse through or search for a specific loyalty program. Here users can browse through or search for a specific loyalty program. Alternatively, if the loyalty program is not supported yet, the user can choose to add “Other card” and input the merchant name manually.

• Step 2: Add your card. After finding the loyalty program, users can scan the barcode on their physical card with the camera on their mobile device. The app will then create a digital copy and store it in the reward space in the Klarna App. For cards that don’t have a barcode, users are able to manually type their membership number in to add the card.

• Step 3: Use your card to collect points in-store. While shopping in a physical store, users are able to display and scan their loyalty cards from the Klarna App. Simply open up the card from within the app, scan the card at the checkout and collect the points or claim your discount, just as you would with a physical card.

How does the Digital Card feature work? 

• Step 1: Start by searching for a retailer you like in the Klarna App or use the map feature to find stores of partnered retailers close by.

• Step 2: Once you’ve chosen an item you want to purchase, open the Klarna App and create a digital card for the purchase amount on the store page. The purchase is split into three, monthly instalments with no interest or fees.

• Step 3: Once the card is created, simply add it to Apple Pay or Google Pay and pay by tapping your device on the contactless terminal at the till. 

• Step 4: After the payment, you can make use of the same post-purchase features in the Klarna App as you can when shopping online, such as managing your returns and viewing the CO2 footprint of your purchase

The new in-store features are the latest in a series of product innovations this year that position Klarna firmly in the retail shopping space. These include the Klarna Card, a physical VISA card that allows consumers to pay anytime up to 30 days after purchase, as well as Virtual Shopping, which connects online shoppers directly with experts in physical stores through live video and messaging, providing a highly personalized experience that helps consumers shop online with confidence. 

Mambu, the leading SaaS cloud banking platform, has welcomed four new senior hires as it embarks on the next stage of its ambitious growth. 

Fintech has appointed Werner Knoblich as Chief Revenue Officer (CRO), Fernando Zandona as Chief Technology Officer (CTO), Tripp Faix as Chief Financial Officer (CFO) and Sabrina Dar as Chief of Staff to the CEO.

Knoblich and Zandona both join from global hypergrowth, customer-centric environments - a key element to Mambu’s value proposition. 

Knoblich will be working to capitalize on the market opportunity for cloud banking software and drive increased value for customers. He was previously responsible for software development company Red Hat’s expansion across  EMEA, and oversaw 100-fold growth throughout his 18-year tenure.

Ex-Amazon Web Services and Microsoft executive, Zandona, will lead in the development of the next chapter of Mambu’s technical and engineering capabilities. With over 20 years of experience delivering results in high-performance environments, Zandona has a proven track record of leading large teams and overseeing go-to-market growth, product development and strategy.

Faix will join on 15 July and serve as Mambu's new CFO, bringing over 20 years of finance experience. Prior to joining Mambu, Faix was CFO at Marqeta where he oversaw a fourfold increase in net revenue growth and helped lead Marqeta’s initial public offering in 2021.  

Mambu has also appointed former Cisco senior executive Sabrina Dar, in a newly-created Chief of Staff role to support its continued global expansion.

Having worked across three continents and after 21 years at Cisco, Dar joins Mambu to help drive operational excellence in line with Mambu’s scale-up plan. She’ll bring her experience across multiple roles and functions to bear as an integrator and communicator within Mambu - focused on priority initiatives for the CEO and wider business.

Eugene Danilkis, Mambu’s co-founder and CEO, said: “We’re at an exciting stage in our growth as we scale out our operational capabilities to meet global demand, whilst also evolving as a company that values workplace and product innovation and is committed to doing things differently. Our senior team across the world reflects the fantastic work we do as a company, as we continue to deliver on our commitment to creating better financial experiences for customers. I'm honoured to welcome Werner, Fernando, Sabrina and Tripp to Mambu and look forward to our collective achievements together.”

The new hires come following a record $235 million Series E funding round for Mambu in December last year - the largest private fundraising for a cloud banking platform. In bolstering its senior team, Mambu is setting its sights on accelerating revenue growth as well as continued investment in building a global, sustainable and differentiated platform for customers.

Auriga, a global software provider for the omnichannel banking and payments industry, today celebrated the winning of the “Improving the Costs of Cash White Paper” contest from ATMIA, the leading non-profit trade association representing the entire global ATM industry.
 
The contest aimed at encouraging the global ATM industry to advocate for the future of cash highlights software, strategies, and other tactics focused on reducing costs and remaining competitive as a payment method.
 
Auriga submitted and subsequently won the category for its “The Cash Management Crunch Resolved by Auriga” white paper, which addresses cash management optimisation from two directions. On the one hand, WWS Cash Management  (Auriga’s multivendor and multichannel solution) helps banks to optimise, anticipate, automate, support, control and report on the entire cash inventory and replenishment process for all entities involved in the cash management process. It defines the standard for end-to-end cash management. On the other hand, Auriga’s deep involvement in ATM pooling initiatives illustrates how ATM fleets can be rationalised to be both more efficient to run and deliver better customer service.

In response to the ATMIA “Cost of Cash” win, Auriga’s founder and CEO, Vincenzo Fiore, comments, “It is an honour to be recognised by ATMIA for our white paper. Keeping ATM networks supplied with the cash customers need has been no easy task for years and is our industry’s top priority. The challenges faced range from knotty problems about logistics to risk, from manpower to the cost of cash. Banks and ATM operators, who are pivotal to how access to cash is preserved, must therefore ensure their operating strategies prioritise efficient, nimble, highly scalable, and continuously available service channels, both physically and digitally. Otherwise, it will leave consumers feeling excluded from banking services, which will ultimately reduce the quality of customer service.”

Stanhope Financial Group, an Ireland-based global fintech company that provides businesses with a full suite of banking services, has boosted its senior management team following the company’s $10m Series A funding round.

Payments industry veteran Rob Groombridge has been appointed as Chief Product Officer, tasked with leading the group’s card and payments product offering. Groombridge brings with him over 30 years of experience working across international markets. He has previously served as Chief Commercial Officer for Cardoro, a fintech firm focused on providing card solutions via APIs and Glownet, a leading technology provider to the global event industry, providing payments services and solutions.

Stanhope Financial Group has seen significant growth across its business divisions since it began operations in October 2021. The company’s SH Payments division, licensed as an Electronic Money Institution, offers businesses banking services that will enable them to efficiently send and receive money globally, including FX, multi-currency accounts, and innovative payment solutions. The company’s SH Capital division, which is licensed in the DIFC, Dubai, allows institutions and family offices to gain access to premium global investment products across all capital markets.

Rob Groombridge, Chief Product Officer, Stanhope Financial Group said:

“Stanhope is at the forefront of the payments industry, designing, building, and launching incredible products and services that will reshape the market. I look forward to working with the team to develop our global payments services, onboard new partners and deliver agenda-setting products that transform the way the industry operates.”

Kevin von Neuschatz, Group CEO of Stanhope Financial Group, said:

“Following our hugely successful Series A funding round, we are delighted to welcome Rob to our fast-growing senior team. These are incredibly exciting times for Stanhope, as we develop game-changing solutions, that we hope will stun the market and usher in a new era of payments services.”

Stenn, the leading digital financing platform for global SMEs, is pleased to announce the appointment of Bilal Bajwa to the new position of Chief Product Officer as the business continues to scale and enhance its unique proposition. 

Bilal has a proven track record of leading global teams and scaling data-led platforms, bringing significant experience from a range of senior roles in technology start-ups, particularly in the US and emerging markets, where he has focused on product development and design. 

He has previously held roles at Zynga, the Silicon Valley-based social gaming platform, and drizzle, the UAE online marketplace, where he led a team of 120 people in product, engineering, design, growth, and performance marketing. Bilal was also the CEO of OLX Pakistan, an online marketplace in which he grew to 10 million monthly average users over just four years.  

Bilal’s appointment comes at a pivotal time for Stenn as the business expands its technology-led, data-driven proposition for global SMEs who need simple and quick financing to support their growth ambitions. The business sees multiple opportunities to further improve its customer-centric offer with new financing solutions which will help to bridge the significant SME funding gap. 

Stenn’s growth has accelerated rapidly in 2022 and it has financed more than $2bn USD worth of invoices in the year to date. It was named in the prestigious FT1000 list as the 8th fastest-growing business in the fintech category and last month hit $7bn (USD) in total invoices financed. In April this year, Stenn received a $50 million (USD) equity investment from Centerbridge Partners at a $900 million (USD) valuation. 

Greg Karpovsky, Founder and CEO of Stenn, said: “It’s fantastic to have Bilal join the team as we continue in our mission to level the playing field for global SMEs. He brings invaluable experience, across some key geographies, and his focus on market research and data analytics to inform the expansion of our product offering will be crucial as we improve Stenn’s customer proposition. Bilal’s appointment is the latest in a big drive to bring new talent into Stenn as we maintain our strong growth trajectory.” 

Bilal Bajwa commented: “Stenn is solving problems of a huge magnitude and I have been impressed by the impact it is having on SMEs in emerging markets. I’m delighted to be joining the team at such an exciting time in its evolution when there is a clear ambition to further understand the needs of its customer base and scale the product offering in new markets and new industries. There is an exciting challenge ahead and I look forward to being part of the next chapter.”

SMEs globally are being held back by a lack of access to financing worth $3.6 trillion today and are forecast to rise to $6.1 trillion within the next three years. Where the traditional financial system is failing, Stenn is helping to plug this enormous gap by connecting these businesses with low-cost institutional capital.

PPRO, the leading provider of digital payments infrastructure, has integrated Gojek’s GoPay e-wallet onto its platform, taking PPRO a step closer to offering complete Indonesian market coverage. According to the World Economic Forum, the Indonesian market is expected to be the fourth-largest consumer market in the world by the end of the decade, with close to 76 million Indonesians joining the consumer class by 2030. GoPay, one of the leading and most trusted payment choices for Indonesians, is well-positioned to capture this market, with over 190 million app downloads since 2020.

Now, with the addition of GoPay to the payments mix, PPRO’s partners can offer Indonesian consumers the option to pay with almost all of the country’s most popular payment methods, including BNPL Kredivo, and paytech DOKU, and e-wallets Jenius Pay, OVO and LinkAja. According to research compiled by PPRO, the value of Indonesia’s cross-border e-commerce market is estimated at US$4.8 billion which presents a huge opportunity for any enterprise, payment service provider (PSP), fintech or bank wanting to tap into this market.

Kelvin Phua, VP, Global Market Development at PPRO, commented: “Indonesia is a market full of opportunity for cross-border merchants but it’s also a difficult one to navigate for those unfamiliar with its complexities. More so than any other Southeast Asian country, Indonesians vary their payment methods depending on their purchases. That means the expert insights PPRO can offer will be crucial for our partners and their merchants looking to convert more consumers at the checkout. Integrating GoPay onto the PPRO platform is a giant leap forward which will allow us to better cater to the needs of our partners’ merchants looking to make inroads into Indonesia, complementing our already extensive payment method offering in the country.”

Vrutika Mody, Head, Global Partnerships and Business Development at GoPay, said: “As an ecosystem that millions of Indonesians rely on daily, GoPay is committed to offering the best solutions and benefits for our users. This valuable integration with PPRO accelerates our promise of merchant ubiquity to consumers and widens the global merchant ecosystem for GoPay users to transact seamlessly. In that spirit, PPRO's partners will get connected to a diverse Indonesian customer base eager to consume global goods and services.”

Last year, PPRO announced that it had achieved unicorn status after raising US$180 million from Eurazeo Growth, Sprints Capital and Wellington Management. Earlier this year, PPRO announced the acquisition of Alpha Fintech, a next-gen payments technology company, in a deal that will expand PPRO’s offering, and strengthen its presence and networks in the Asia Pacific, allowing it to offer end-to-end digital payments infrastructure.

PPRO will be attending a virtual Seamless Asia on 22 and 23 June with VP, Partnerships and Head of APAC, Tristan Chiappini, participating in a panel discussion on “Uniting an Ecosystem to Reduce the Complexity of Cross-Border Payments”, featuring spokespeople from Atome and Zip, moderated by Mangala Martinus, MD, Payments Consulting Network. To find out more and join the discussion on 23 June at 10 am SGT, please click here.