Payment card

So you go to Netherlands, you need iDEAL or WIRO, the new one.

Uh, you go to France, you need Carte Bancaire.

You, you go to Germany, 54% of transactions are PayPal.

So without having those you're not gonna win in that market.

In this episode, we'll cover essential shopping terms.

Think marked, Kaufhaus, price, Rabatt, and how to discuss payment options like Barzahlung or Kartenzahlung.

A large shopping center with many stores.

Mall.

So I think that's something which is s- not replicable for our global, uh, competitors.

Uh, then we have this local position, which is quite unique with Carte Bancaire, with, uh, again, BPCE has a very strong issuer of payment card in France.

That also is not easily replicable by these global players because we have this local scheme, we have this local issuer, uh, and we also have the access to other, uh, French banks, uh, because we all talk together, so we have privileged access to, uh, this local ecosystem of scheme and bank issue and big bank issuers, uh, which is also very hard to replicate.

And one last thing which is, uh, not replicable for, uh, our global players is, uh, more broadly our, uh, the, the all the partners we have in France, and that's just the, the consequence of our history.

Absolutely.

Fully get that.

Um, I think another topic that currently has been on everybody's mind is, of course, payment sovereignty, right? And I think you already mentioned, especially in France, having Carte Bancaire, but also just the mindset of being able to operate and provide solutions within the French market.

So I wanna talk a little bit about sovereignty within Europe.