My guest this week has a fascinating history indeed. He speaks 5 languages, has lived in 6 countries and has a genuine passion for solving customer problems. In fact, he’s only interested in tech that can manifest solutions. Trustly CEO Alexandre Gonthier is a true trailblazer when it comes to payments. For those of you who may not know, Trustly is an alternative payment method for consumers that enables them to pay with their bank account by signing into their online banking. It’s a formless user experience with absolutely zero reliance on card networks or card rails, and their target audience includes billers, online gaming, financial services, and ecommerce merchants with low transaction volume and high frequency.  The original pain point they set out to solve was how to the bring paper check methodology alive in a mobile first world. From there side, billers were having a challenging time getting ACH adoption from their mobile customers. They needed an experience where people didn’t have to remember their routing and account credentials just to satisfy their payment. And why was this such a good niche? Because, according to Alex, 30 to 50% of Americans still prefer to pay their bills using their bank account. As for their competitive advantage, Alex touts a user experience paradigm that is formless, more secure, more economical and more revenue efficient. The capacity to process payments outside of the card networks offers less fraud and higher transaction approval rates.Tune in this week to hear Alex talk about his journey to CEO, including why we have him to think for the first content charging platform and the first proximity payments platform, as well as where he sees the industry going in the next 2 to 3 years as it relates to real-time transactions, crypto, blockchain, and stablecoin.