IN4PAY is the acronym for Innovation for Payments. Why focus on innovation in payments? IN4PAY is convinced that innovation will drive the payments industry in the coming years. Payments users are demanding more, faster for less. Driven by customer demand and regulatory changes the value chain is undergoing structural changes. Faster than ever, new and better payments services and instruments are developed, new business, partnership and sourcing models are required as a result.

IN4PAY, a specialised payments consultancy, that supports you and your organisation to strategise, product develop, and commercially launch new services.

Realising Payments innovation and its business case is typically complex due to the number of stakeholders involved, the technology impact and operational excellence required, the compliance aspects as well as achieving critical (two-sided) user adoption (reach), just to name a few.

The approach IN4PAY takes in realising innovation is derived from many years of leading change in international payments organisations: delivery through short, pragmatic and results-oriented cycles, driven by an articulate payments vision and business case, based on close market engagement and stakeholder management.

Payments market: payments paradox and change challenge

These years the payments industry is changing tremendously. Continued regulation and industry initiatives, an increasing complex of customer demands, new payments challengers, changing market characteristics like Instant Payments, Open Banking, commoditisation, decreasing fees, increasing pan-European and global focus as well as technological advances will give rise to the payments paradox: more needs to be done with less.

 The resulting change challenge for payments organizations will center on two main topics:

• accelerated innovation in search of better margins/new customers and/or
• optimise the payments sourcing strategy to reach new levels of agility, operational excellence and cost efficiency.

IN4PAY delivers services to support you in responding successfully to your change challenge.

The IN4PAY approach

From many years of experience in leading new pan-European payments developments and partnerships IN4PAY is convinced that innovation is best approached through short, pragmatic and results-oriented delivery cycles driven by an articulate vision and business case, a dedicated, knowledgeable, pro-active and open-minded team (or partnership) that can flexibly adjust to changing circumstances. It goes without saying that support from senior management/stakeholders is very crucial to successfully deliver results. It is the above approach that is the basis of IN4PAY consultancy and its future services development.

Do you need support for your payments change challenge please contact IN4PAY.

Read more about the founder Paul van der Valk