In this episode we take a deep dive into the world of high-value, complex B2B payments with our guest, Andrew Hawkins, CEO UK & Europe for ShieldPay. He's here to show us how ShieldPay is revolutionizing the payments industry with solutions aimed at reducing manual processes and risk. Hear about his exciting journey, from dabbling in technology in his early years to becoming the CEO of a leading fintech company. As you listen, you'll learn about the innovative services they offer, including enabling mergers and acquisitions and capital markets, and how they aim to continue growing and progressing.But that's not all! We also venture into the thrilling future of payments and financial services. Imagine a world where payments are less visible and seamlessly integrated into our daily lives - from a simple Apple tap to pay to EV car charging. We explore the impending decentralization and disaggregation of financial services, and the potential of technologies enabling tokenization, digital identity, and smart contracts. Get your gears grinding as we discuss the implications of the PSD3 regulations in Europe and the evolving role of data in the next generation of financial services. This episode is a goldmine for anyone interested in understanding and staying ahead in the ever-evolving world of payments and fintech.