Executive Conversations by The Paypers
Oct 6, 2026 · 29 min · 9 segments
In this episode of Executive Conversations by The Paypers, host Dwayne Gefferie sits down with Antoine Grimaud, co-founder and CEO of PayPlug, to talk about one of the harder problems in fintech: what…
There's nowadays global PSPs acquires, um, especially the ones that you're probably competing with.
Um, a lot of them are focusing on strong technology, broad reach, leveraging data.
What do you think is a single thing about your position that would be hard for them to replicate?
So, um, I think, uh, now we are in this era of, uh, artificial intelligence, right? And so, um, as you, as you know, uh, there is less and less value in the application layer, and I think more and more value in the data.
Okay? And, uh, that, I mean, that's a reality for all the software industry, I think.
And so a bank is a goldmine of data, so that's something we will have a better access to, and we can better leverage.
And our global competitors, they don't have access to this mine of data that we, that we have.
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.
We've been in this market for fifteen years, and we have partnering with every player in the ecosystem.
So, uh, now we have about eight hundred active partners, uh, in France, and it's technology solution, it's service provider, and all these networks makes our solution perfectly integrated within the merchant ecosystem.
I mean, every pieces of his, uh, uh, of his ecosystem, we already work with it.
And so that's all pieces which are very hard to replicate, uh, when you're a global player and you want to be active in fifty countries in the world.
There's nowadays global PSPs acquires, um, especially the ones that you're probably competing with.
Um, a lot of them are focusing on strong technology, broad reach, leveraging data.
What do you think is a single thing about your position that would be hard for them to replicate?
So, um, I think, uh, now we are in this era of, uh, artificial intelligence, right? And so, um, as you, as you know, uh, there is less and less value in the application layer, and I think more and more value in the data.
Okay? And, uh, that, I mean, that's a reality for all the software industry, I think.
And so a bank is a goldmine of data, so that's something we will have a better access to, and we can better leverage.
And our global competitors, they don't have access to this mine of data that we, that we have.
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.
We've been in this market for fifteen years, and we have partnering with every player in the ecosystem.
So, uh, now we have about eight hundred active partners, uh, in France, and it's technology solution, it's service provider, and all these networks makes our solution perfectly integrated within the merchant ecosystem.
I mean, every pieces of his, uh, uh, of his ecosystem, we already work with it.
And so that's all pieces which are very hard to replicate, uh, when you're a global player and you want to be active in fifty countries in the world.
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