At Money20/20 in Amsterdam, our CEO Tom van der Poel, joined the PayTechTalk podcast to discuss how personalised payments are reshaping the customer journey across sectors like mobility, education, and unattended services.

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ᯤSpotify Listen to the full episode here

🌐 Listen on the PayTechTalk website

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In the episode, Tom explains how traditional payment processes, while efficient, often lack a human touch. He makes a clear distinction between multi-channel convenience and true omnichannel integration, spotlighting our token vault, the Vayapay Traveller Profiler, as a key innovation. Tom explains how the Vayapay Traveller Profiler goes beyond account-based ticketing, enabling public transport operators to consistently recognise passengers across all payment devices, sales channels, operator networks, and regions. Allowing passengers to move freely while maintaining access to their travel history, benefits like loyalty points or discounts, and personalised pricing. It transforms fragmented travel interactions into a smooth, consistent, and human-centred experience.

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Tom also touches on:

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• Balancing personalisation with data privacy, allowing users to opt-in or remain anonymous
  
  
• Adapting to Europe’s fragmented payment landscape, from cash-heavy markets to digital-first economies
  
  
• The revival of local payment schemes amid shifting geopolitical dynamics
  
  
• The growing demand for unattended services, especially in younger, tech-native regions like Turkey
  
  

The conversation is a forward-looking exploration of how XPP is helping partners move from isolated payment moments to fully connected, human-centred experiences. 

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About XPP

XPP is a payment product provider modernising payments across public transit, higher education, enterprises, financial institutions, and unattended services. We partner with organisations to create personalised, omnichannel payment experiences that are seamlessly embedded into their customers' daily lives. Our solutions enable frictionless payments that customers never have to think about, allowing businesses to focus on growth while we handle the complexity.

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ᯤSpotify Listen to the full episode here

🌐 Listen on the PayTechTalk website