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The Paytech Book: The Payment Technology Handbook for Investors, Entrepreneurs, and Fintech Visionaries
The only globally-crowdsourced book on the future of payments ("PayTech"), offering comprehensive understanding of a rapidly evolving industry at the centre of global commerce
The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation - new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market.
Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book:
Defines PayTech and identifies its key players Discusses how PayTech can transform developed markets and accelerate growth in emerging economies Describes how PayTech fits into the larger FinTech ecosystem Explores the future of PayTech and its potential as an agent of social change and financial inclusion Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments.
The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation - new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market.
Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book:
Defines PayTech and identifies its key players Discusses how PayTech can transform developed markets and accelerate growth in emerging economies Describes how PayTech fits into the larger FinTech ecosystem Explores the future of PayTech and its potential as an agent of social change and financial inclusion Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments.
256 pages, ebook
Published December 24, 2019
71 people are currently reading
213 people want to read
About the author
Susanne Chishti
15 books12 followersSusanne Chishti is the CEO of FINTECH Circle, Europe's 1st Investor Network focused on fintech investments & Founder of the FINTECH Circle Institute, the leading fintech learning platform offering Innovation Workshops to C-level executives and fintech courses. She is also the Co-Editor of the Bestseller "The FINTECH Book" which has been translated into 10 languages and is sold across 107 countries, The WealthTECH Book, The InsurTECH Book, The PAYTECH Book, The AI Book and The LEGALTECH Book (published by WILEY in 2020). Awards:
1) Selected as 24th Top Fintech Influencer in the World (Onalytica, 2020) - among the Top 100 Fintech Influencers globally
2) Won the Fintech Champion of the Year Award 2019 (Women in Finance Awards)
3) Social Media Influencer of the Year 2018 (Investment Week)
4) Top 7 Crypto Experts globally 2018 (Inc Magazine)
5) City Innovator - Inspirational Woman in 2016
6) European Digital Financial Services ‘Power 50’, an independent ranking of the most influential people in digital financial services in Europe (2015)
7) Top 5 ESG Influencers Globally (Refinitiv, 2020)
She has also been a fintech TV Commentator on CNBC and is a guest lecturer on financial technology at the University of Cambridge and Warwick Business School.
After completing her MBA she started her career working for a fintech company (before the term "fintech" was being invented) in the Silicon Valley 25 years ago. She then worked more than 15 years’ across Deutsche Bank, Lloyds Banking Group, Morgan Stanley and Accenture in London and Hong Kong.
1) Selected as 24th Top Fintech Influencer in the World (Onalytica, 2020) - among the Top 100 Fintech Influencers globally
2) Won the Fintech Champion of the Year Award 2019 (Women in Finance Awards)
3) Social Media Influencer of the Year 2018 (Investment Week)
4) Top 7 Crypto Experts globally 2018 (Inc Magazine)
5) City Innovator - Inspirational Woman in 2016
6) European Digital Financial Services ‘Power 50’, an independent ranking of the most influential people in digital financial services in Europe (2015)
7) Top 5 ESG Influencers Globally (Refinitiv, 2020)
She has also been a fintech TV Commentator on CNBC and is a guest lecturer on financial technology at the University of Cambridge and Warwick Business School.
After completing her MBA she started her career working for a fintech company (before the term "fintech" was being invented) in the Silicon Valley 25 years ago. She then worked more than 15 years’ across Deutsche Bank, Lloyds Banking Group, Morgan Stanley and Accenture in London and Hong Kong.
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Displaying 1 - 4 of 4 reviews
June 21, 2025
TBH I've expected something MUCH better. Details, analysis, simulations, scenarios. On stablecoin adoption, on liquidity mgmt, on simplified payment models, on re-approaching regulations, on micropayments and the Internet-of-Value. I've expected input and insights from hands-on experts. OK, that were my expectations, but what did I get?
Some essays from "authorities" in PayTech industry which are mostly CEOs and consultants. Very generic, high level, not really revealing - but rather stating the obvious :( 40% of chapters were literally weasel-talk and word-salad, like they were playing bullshit bingo. That may be really revealing for someone who's stuck in a very "traditional" (outdated ...) banking organization (for instance), but not for anyone else ... ;/ Aaaah, and if you think you'll learn anything about as-is payments ecosystem(s) here, the answer is simple - you won't.
Waste of time and money, literally. Avoid.
Some essays from "authorities" in PayTech industry which are mostly CEOs and consultants. Very generic, high level, not really revealing - but rather stating the obvious :( 40% of chapters were literally weasel-talk and word-salad, like they were playing bullshit bingo. That may be really revealing for someone who's stuck in a very "traditional" (outdated ...) banking organization (for instance), but not for anyone else ... ;/ Aaaah, and if you think you'll learn anything about as-is payments ecosystem(s) here, the answer is simple - you won't.
Waste of time and money, literally. Avoid.
February 5, 2022
Payments tell more about people than what people could tell about their payments. We are what we pay for. The history of payments can be told in one of three narrative dimensions -
1. Removal of friction (think of Neander valley people trying to barter vs today’s automated bill pay; we mist strive to build MVP - Minimum Visible Product for payments);
2. Increased speed where urgent, increased trust where important (think about ACH vs. real time payments, where both share the same decoupled settlement process, the former is “batched” while latter is unitary - happening in microseconds); and
3. Disintermediation (removal of unnecessary intermediaries that add to friction, slow down speed without increasing marginal trust - e.g., closed-loop vs open-loop payments, fiat vs newer digital currencies etc)
This nifty book collects short write-up from about 50 experts that puts a strong spotlight on each of these dimensions. Was a good and educational read where I came out with many insights to use in my profession.
1. Removal of friction (think of Neander valley people trying to barter vs today’s automated bill pay; we mist strive to build MVP - Minimum Visible Product for payments);
2. Increased speed where urgent, increased trust where important (think about ACH vs. real time payments, where both share the same decoupled settlement process, the former is “batched” while latter is unitary - happening in microseconds); and
3. Disintermediation (removal of unnecessary intermediaries that add to friction, slow down speed without increasing marginal trust - e.g., closed-loop vs open-loop payments, fiat vs newer digital currencies etc)
This nifty book collects short write-up from about 50 experts that puts a strong spotlight on each of these dimensions. Was a good and educational read where I came out with many insights to use in my profession.
February 8, 2021
Excellent collection of short essays which detail the payments landscape across the world. A great read for anybody who's diving into the payments ecosystem and wants to develop a holistic grasp of new payments opportunities, existing solutions, regulatory challenges and more.
October 29, 2021
Ya...da
Displaying 1 - 4 of 4 reviews