1- Hello Daniel, can you please tell us a bit about yourself?
Sure, my name is Daniel Wicharz. I work in the payment industry for many year. I
started in PayPal in 2008 and also worked for Skrill for several years. I am now VP
Sales & KAM at EVO Payments.
2- What are your focus areas and why?
My focus is on new business development and key account management. I also
specialize in consulting of cards and alternative payment options.
3- How do you describe today online Payments market in few words?
Payments are a complex but very important topic. It is the key to close a deal and
essential for any merchant. Without easy checkout options merchants lose business
and customers. In Europe we also face the fact that the payment industry is very
diverse. Meaning that there are plenty of different (often local) payment options.
4- Where do you think these companies are making an impact?
We as acquirers make it easy for our merchants to accept cards and alternative payment
options. We take the burden and hassle of PCI compliance off our customers.
5- What are some things that most people don’t know about your job?
In my job you need to be a quick learner. The payment market evolves quickly and
you need to be on top of the technology. I am sure that in 5 years time the regular
plastic card itself will be gone. But cards will evolve in terms of NFC or even perhaps
into a little chip we carry with us all the time, perhaps even under our skin.
6- Where do you see the market in the next 5 years?
Credit cards will be able to conquer a larger part of the European market. Due
to the Payment Service Directives of the EU cards have become much more
affordable. Moreover they mean a lot of security to both the merchants and
the buyers, so I think that the share between the national schemes like direct
debit and cards will change in favor of cards.
7- What were some of the biggest challenges you encountered while working at EVO Payments International?
I do enjoy working for a multinational company with so many bank relationships. As a
challenge I would describe the technical background you need to have to understand
all the protocols and data transmission from the merchant through the API to the
acquirer. But luckily enough we do have engineers working on that and helping me
out when I ran out of technical knowledge.
8- What can you tell young people who are pursuing their dreams?
People that pursue their dreams do take issues as a challenge and do not give up.
This happened to me when I moved from Germany to the Republic of Ireland. It is
difficult starting from scratch in another country, but I have to say that in longer term I
only profited from this by enlarging my horizons.
9- What are you most excited about at the moment?
I am excited of the multinational opportunities we have due to the European Union. I
have plenty of deals around Europe that I can accomplish and thanks to the PSD
merchants can also profit from low rates we can pass on to our customers.
10- The last word or final thoughts?
I am confident that we will accomplish a cash free society within the next like 10
years and that card acceptance will increase accordingly. The times of money
laundering and tax avoidance will be over soon.