Over the past decade, the payments industry has undergone rapid and often complex transformation. But few shifts have been as structural — and as misunderstood — as Open Banking and Crypto-based payment systems.
In this video, we offer a clear and accessible breakdown of these two foundational forces. Not just what they are, but how they work, why they matter, and what their long-term impact could be on the way we move money.
Open Banking
The first part of the video is dedicated to Open Banking. Jean Paul retraces its origins, explains its technical foundation — APIs — and outlines how it’s reshaping the relationship between banks, third-party providers, and end users. Through practical diagrams and plain language, he clarifies key roles like AISP (Account Information Service Provider) and PISP (Payment Initiation Service Provider), and addresses a crucial consequence: the risk of disintermediation for traditional banks.
But understanding Open Banking isn’t just about regulation or technical standards — it’s about control over data. And that, as the video makes clear, changes everything.
Cryptocurrencies and Tokenized Payments
In the second part, the focus shifts to the world of Cryptocurrencies and Tokenized Payments. We explain the basic building blocks of crypto — including public/private keys, hash functions, and blockchain technology — and shows how they differ from traditional banking systems.
We highlight the paradigm shift brought by closed-loop models, and explains what makes cryptocurrencies faster, cheaper, and potentially more inclusive, but also riskier if misunderstood.
From there, we will explore tokenization — what tokens are, what they represent, and how they are used in everything from digital assets to real-world currencies. The distinction between stablecoins, tokenized fiat, and central bank digital currencies (CBDCs) is also covered in a way that’s easy to follow even for newcomers.
Rather than hype or abstract theory, this video offers context, structure, and practical clarity.
If you work in payments — whether in operations, product, compliance or strategy — these are concepts you cannot afford to ignore.
This is not just a wave of innovation. It’s a foundational shift in how financial infrastructure is designed, accessed, and experienced.
Get Further With Paymerix’ Courses
At Paymerix, our goal is to help professionals not only keep up with these evolutions, but truly understand the mechanisms behind them — technically, operationally, and strategically.
If this video helped clarify complex topics like Open Banking, crypto, or tokenized payments, and you’re ready to go deeper, we’ve designed an entire curriculum to support that journey.
The Payments Mastery Curriculum (PMC) brings together 7 expert-led courses covering fundamentals, SEPA, cross-border payments, ISO 20022, and real-world implementation practices — along with live webinars and a one hour mentorship for the first 30 to register.
Whether you are just entering the industry or already managing payment systems, the PMC is built to strengthen your expertise and make it actionable.
Learn more about the Payments Mastery Curriculum.
Because in a world that moves this fast, clarity and structure are your best assets.
