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Arthur is an 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐥𝐞𝐚𝐝𝐞𝐫 𝐢𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐧𝐝…
Articles by Arthur
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Arthur Bedel 💳 ♻️ shared this🇪🇺 How Europeans actually pay in 2026. 🇬🇧 UK : PayPal → Google Wallet → Wise → Remitly → Taptap Send 🇩🇪 Germany : PayPal → Google Wallet → Sparkasse → Wero → Wise 🇫🇷 France : Wero → PayPal → Swile → Google Wallet → Edenred 🇪🇸 Spain : Google Wallet → PayPal → Correos Prepago → Remitly → Wise 🇮🇹 Italy : PayPal → Google Wallet → Satispay → Nexi → Postepay Three signals worth understanding. Wero ranks #1 in France and barely appears anywhere else. The European payment network built to challenge PayPal is dominant in its home market and almost invisible across the rest of the continent. Pan-European distribution is harder than it looks. PayPal sits in the top 2 of every country except Spain. After years of pressure from Apple Pay, neobanks and BNPL players, PayPal's 25-year distribution advantage is still intact across Europe. UK and Spain both have remittance apps in their top 5. Remitly, Wise and Taptap Send reflect who actually lives in those countries and what they actually need. The most downloaded payment app in a market tells you more about its population than its technology. Europe has no single payment winner. Anyone building a pan-European product needs a country-by-country strategy, not a continental one. Source: AppsFlyer Europe 2026 Finance Report, Marcel van Oost. ----- 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #payments #europe #fintech #paypal #digitalwallets
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Arthur Bedel 💳 ♻️ shared thisBanks will not exist in 10 years At least not as we know them. At Money20/20 Middle East, a Visa executive Wassim Skaff dropped a bold prediction. Banks will still exist, but they will turn into completely invisible background plumbing while AI controls the entire financial flow and customer experience. Watch the full clip below. 👉 Will banks stay visible, or fade into invisible rails? #payments #visa #fintech #visacreator
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Arthur Bedel 💳 ♻️ shared this🚨🇮🇳 JUST-IN: Apple Pay is officially live in India today. Axis Bank, Visa and Mastercard credit card holders can now tap to pay across millions of merchants: Zomato, Blinkit, Croma, Tata 1mg, Reliance brands and Apple Store locations among the first to go live. No PIN. No OTP. Face ID or Touch ID. Done. The payment infrastructure behind it: Mastercard and Visa tokenisation means your card number is never stored on your device, never shared with Apple, never transmitted to the merchant. A unique cryptographic token fires on every transaction. PSPs already integrated at launch : Razorpay, Paytm, Pine Labs, JUSPAY, Cashfree, PayU, BillDesk, Mswipe Technologies Pvt. Ltd. The merchant network will expand fast from here. 🌏 India is a $3 trillion digital payments market dominated by UPI at over 80% of transaction volume. Apple Pay is not entering to compete with UPI. It is entering to own the NFC contactless tap at the physical terminal, the one moment UPI does not cover natively. Axis Bank is the first partner. HDFC Bank and ICICI Bank are already in discussions. Apple Pay now operates in more than 90 countries. India, one of the last major holdouts, just joined. Source : Apple. ----- 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #applepay #india #payments #fintech #upiApple Pay just launched in India. 1.4 billion people. 80% UPI dominance.Apple Pay just launched in India. 1.4 billion people. 80% UPI dominance.
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Arthur Bedel 💳 ♻️ shared this🚨 Japan owes 230% of its GDP. The US owes 125%. France owes 117%. The global debt map for 2025 just dropped and the numbers are worth understanding. The global debt-to-GDP ratio rose from 92.4% in 2024 to 94.7% in 2025. Still below the 2020 record of 98.7%, but the direction is clear. The countries worth watching: 🇯🇵 Japan : 230%. The highest among major economies. Debt held mostly by Japanese citizens and institutions, which is why it has not triggered a crisis despite the staggering ratio. But an aging population and decades of deflation make this a structural time bomb. 🇸🇬 Singapore : 176%. This one is different. Singapore borrows to invest in sovereign wealth funds like GIC and Temasek. The debt generates returns. It is a financial strategy, not a fiscal problem. 🇺🇸 United States : 125%. The largest absolute debt load on the planet at $36T+. Military spending, social programs and tax cuts over decades built this. The dollar as global reserve currency is the only reason this equation still works. 🇬🇷 Greece : 147%. Down from 210% in 2020. Real progress after years of austerity. Italy at 137% is in the same trajectory, slow improvement after decades of structural weakness. 🇫🇷 France : 117%. France has not balanced its budget since 1970. Every government has spent more than it collected for 55 consecutive years. The deficit is structural. 🇨🇳 China : 96%. Up 8 percentage points in one year, the largest annual increase among major economies. The fastest deterioration on this map. 🇺🇦 Ukraine : 109%. Up 18.9 percentage points in 2025. The direct fiscal cost of an ongoing war. The global debt picture is not collapsing, a rising GDP offsets some of the accumulation. What is worrying is the direction in the countries with the largest absolute numbers: the US and France are both moving the wrong way at a time when interest rates remain elevated. Source : Visual Capitalist. ------ 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #debt #economy #gdp #macro #finance
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Arthur Bedel 💳 ♻️ shared this🚨 Latin America's 10 largest tech companies. 6 are Brazilian. 7 are in fintech or payments. ① Mercado Libre 🇦🇷 $89B → e-commerce and payments across all of LATAM. ② Nubank 🇧🇷 $66B → 110M+ customers across Brazil, Mexico and Colombia. ③ XP Inc.. 🇧🇷 $10B → Brazil's largest investment platform and brokerage. ④ iFood 🇧🇷 $5.4B → Brazil's dominant food delivery app. Acquired by Prosus. ⑤ Rappi 🇨🇴 $5.3B → Colombia's on-demand delivery and super-app. ⑥ QuintoAndar 🇧🇷 $5.1B → Brazilian real estate platform for renting and buying. ⑦ C6 Bank 🇧🇷 $5B → Brazilian digital bank. Part-owned by JPMorgan. ⑧ Banco Plata 🇲🇽 $5B → Mexican credit card and digital banking startup. ⑨ dLocal 🇺🇾 $4.1B → cross-border payments processor for emerging markets. ⑩ TOTVS 🇧🇷 $3.8B → Brazil's largest business software and ERP provider. Three things worth understanding on this list. Mercado Libre at $89B is in a category of its own. Its payments arm Mercado Pago processes more volume than most European payment companies and runs across 18 countries. The e-commerce platform and the payment network feed each other in a flywheel that took 25 years to build. Nubank at $66B with $16.3B in 2025 revenue is the most profitable neobank in the world. It started with one credit card in Brazil in 2013. It now competes with the largest banks in Latin America across three countries. C6 Bank is the one most people outside Brazil miss. $5B valuation, part-owned by J.P. Morgan. A digital bank with a full banking licence operating inside the world's most advanced instant payment ecosystem — Pix. The pattern across this list: Brazil built the most sophisticated fintech ecosystem outside of the US and China. Pix, a government-built instant payment infrastructure, gave every player the same rails and forced competition on product and distribution instead. Source: Multiples, September 28, 2026. ----- 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #latam #fintech #payments #nubank #mercadolibre
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Arthur Bedel 💳 ♻️ shared thisStripe cannot win in Europe That is what I keep hearing across European fintech events... "The big international players can't do this." The GM of BPCE Payment Services Antoine Grimaud, on why sovereign payment methods are their moat. Years of expertise on Cartes Bancaires, now being ported to Wero - they were first to launch it in e-commerce in France - and eventually to the digital euro. His point isn't that Stripe and Adyen lack the engineering. ➡️ It's that their approach is global by design and sovereign schemes are the opposite of global. 👉 The part that stuck with me: instant payments pull volume away from cards and card performance is what Payplug and BPCE Payment Services built its name on. They're backing the thing that erodes their own strength. 👀 So, moat, or head start? Full interview soon exclusively on my channel
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Arthur Bedel 💳 ♻️ shared this🚨 Sibos 2026 - Speed vs trust in payment At Sibos Miami, it's the conversation that dominates every floor of the Miami Beach Convention Center. My take: When someone sends money cross-border, they expect 5 things. Not 1. ➡️ Speed gets the headlines. ➡️ The plumbing underneath decides who survives. Full breakdown in my video 👇 #sibos #payments #fintech #crossborderpayments
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Arthur Bedel 💳 ♻️ shared this🚨 Checkout.com hits $750M in annualized revenue and $150M in adjusted earnings for 2026. 28% revenue growth on a trailing 12-month basis. $480B in expected payment volume. Sustained profitability through 2024, 2025 and 2026 with expanding margins. 🇺🇸 The US acceleration is the signal worth watching. US processing volumes up 120% year to date. The US now represents 20% of total payment volumes, a market where Checkout.com is competing directly with Stripe for the world's biggest digital merchants and winning share. The numbers behind the momentum : → 1,700+ enterprise merchants on the platform. → US volumes up 120% year to date. → Expanding into Payouts, Issuing and Business Accounts. → Aggressive push into AI and agentic payments. Antoine Nougué : "Our return to sustained profitability gives us the freedom to invest with conviction through the next decade." CRO Source: Checkout.com. ----- 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #checkout #payments #fintech #paymentinfrastructure
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Arthur Bedel 💳 ♻️ shared thisMastercard splits the fee with 3 other players 🆚 Amex keeps it all. Every other card network splits the merchant fee between the issuer, the acquirer and the network. Amex plays all three roles on the same transaction. One fee. One house. Zero sharing. The rewards are not generosity. 💳 The Platinum card costs $895 a year and comes with lounges, travel credits and points. Those benefits justify the higher merchant rate and the higher annual fee at the same time. The rewards program is the commercial engine, not the cost center. American Express Q2 2026 results: → $10.16B from merchants. Up 9%. → $2.86B from cardholders in annual fees alone. Up 15%. → $4.65B in interest income on $229.5B in balances. Up 11%. → $19.64B total revenue. $3.11B net income. The card fee line growing at 15% is the signal most people miss. Annual fees are recession-proof. Merchant discount falls when spending slows. Interest income moves with rates and credit cycles. Fees compound regardless. Amex is deliberately shifting more revenue toward that line every quarter. For anyone building in payments: the most durable position in a transaction is owning every layer of it. Which engine carries Amex furthest over the next three years: fees, merchant discount or lending? Source: American Express Q2 2026, Bloomberg. ----- 👉 Follow the money with me Arthur Bedel 💳 ♻️ Founder of Monyz, the accelerator built for FinTechs. #americanexpress #payments #mastercard #fintech #creditcards #paymentsstrategy
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisSpeed matters in money movement, but so does knowing where the money is 💰 💯 Jakub Petri, VP Global Sales and Partnerships Visa Direct, spoke with Arthur Bedel 💳 ♻️ Founder Monyz at Sibos about why transparency is becoming such an important part of the payment experience. Because when money is moving, visibility can be just as valuable as speed. #VisaDirect #Sibos #MoneyMovement
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisThis week I joined Openreserve as Chief Payments Officer. For most of my career I've sat on the other side of the table from banks. At Adyen, at Checkout.com, building Meridian, and most recently running AppBrilliance, I was the payments company that needed one. Not against them. Next to them. That meant a lot of building around the bank. Pre-funded buffers. Cut-off times. Collection accounts. A wire sent late on a Friday that turned into Monday's problem. The rails have evolved. RTP and FedNow never close. Stablecoins settle on Sundays. Tokenized deposits are bringing bank money onchain. The balance sheet behind the rails hasn't caught up, and that's where the critical work is now. Openreserve Bank, N.A. (in organization) is a chance to build that from the inside: a bank designed so money can be held, earning, and ready to move when it's needed, on whichever rail fits. I am beyond excited to build alongside the exceptional team already together at Openreserve. If the gap between money you're owed and money you can use is costing you, I want to hear how. Openreserve Bank, N.A. (In Organization) received conditional approval from the OCC on September 2, 2026. Deposit insurance is pending FDIC approval. Nothing here is an offer of banking services, and no deposits are FDIC insured.
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisThere’s a moment after you send a large payment when speed is only part of what matters 💰 💯 As Jeffrey Moore, VP Product, Visa Direct, shared with Arthur Bedel 💳 ♻️, Founder, Monyz at Sibos, there’s also the feeling of knowing whether the money actually arrived. That’s where certainty, visibility and trust become just as important as speed. #VisaDirect #Sibos #MoneyMovement
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Arthur Bedel 💳 ♻️ reacted on thisArthur Bedel 💳 ♻️ reacted on thisThe Next Era of Money Movement 💸 Join Arthur Bedel 💳 ♻️, Pierre Castronovo and Alexandra Soroko on 7 October during Amsterdam Fintech Event 2026 for a morning session exploring stablecoins, payments innovation and the future of digital money. Also on the agenda: building the next premium card proposition with Visa’s own Desiree Dijkstra Klingenberg sharing her perspective. 📅 7 October 2026 🕤 09:30–13:00, including networking lunch 📍 World Trade Center Amsterdam On the agenda: ✅ Insights from stablecoin leaders ✅ Perspectives on payments and infrastructure ✅ Building the next generation of premium card proposition ✅ Lunch and conversations with industry peers 🎟️ Use code VISA2026 for free entrance: https://luma.com/d925u7pm Hope to see you there!
Experience & Education
Volunteer Experience
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Professional Tennis Player
NCAA
- 2 years 1 month
Education
NCAA D1 Tennis Player with Honors:
• Academical Honors: « All-Southland Conference Academic Honors » 2015 and 2016
• Athletic Honors: - Texas A&M University Corpus Christi ranked 40 in Division 1
- « 1st Team All-Conference » in doubles (2015)
- « 2nd Team All-Conference » in singles (2015/2016) and doubles (2016) -
Student Volunteer
NCAA Student Athlete Advisory Committee
- 1 year 10 months
Social Services
• Creation and participation of charitable events
• Sensitization of the Corpus Christi community concerning the respect of the environment
• Resolution of problematic situations
• Improvement of human relations -
Student Volunteer
Junior Achievement USA
- 2 months
Education
Outside speaker in an elementary classroom of underprivileged students
• Initiation to two foreign languages and introduction to European customs
• Raising awareness concerning college and superior studies
Languages
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French
Native or bilingual proficiency
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English
Native or bilingual proficiency
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Spanish
Native or bilingual proficiency
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