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Future of Payments
For most businesses, payments just work. Revenue comes in, transactions go through, and nobody looks too closely at what happens in between. But in a European market reshaped by new regulation, AI and rising customer expectations, "it works" is starting to cost more than most companies realise.
Jonas Suijkerbuijk (CEO) and Tim Öhman Cirillo (Deputy CEO) at Billogram sit down for ten questions about the forces reshaping recurring payments in Europe. Ten questions. Two perspectives. No teleprompter.
Explore the key questions
Each episode stands on its own. Start with the question closest to your business.
Most payment setups were built to process transactions.
Not to keep customers
Mobile payments have already replaced cash in the Nordics.
Now Europe is building something much bigger.
Europe looks like one market.
Until you try to move money across it.
Switching providers has never been easier.
The payment moment is where loyalty is won or lost.
Three years ago your payment setup was fine.
The question is whether it still is.
4 payment trends shaping what comes next
These themes come up again and again across the conversation. Here's why they matter.
Payments become a growth lever
Payments are moving from back-office cost centre to competitive advantage. The businesses that figure this out don't just collect revenue more efficiently. They grow it.
Europe reshapes its payment landscape
New regulation and European payment initiatives are opening the door beyond established card networks. For recurring businesses, that means more choice, more control and less dependence on a single rail.
AI makes payment communication proactive
The shift is from reacting to failed payments to preventing them. AI makes it possible to reach customers before a missed payment becomes a support ticket, a churn risk or a debt collection case.
Commerce enters the agent era
AI agents are starting to act on behalf of customers and businesses. Payment flows will need to keep up: more contextual, more intelligent, more responsive to decisions made without a human in the loop.
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