Wallets Are Being Rewritten: Tokenization, Embedded Finance & the Future of Payments
May 13, 2025
In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Michael Galvin, Co-Founder and Chief Commercial Officer at Toqio, and Ignacio Gironella Merino, Head of Sales Europe at Paymentology and Global Sales Director at MeaWallet. Together, they discuss how tokenization is revolutionising payment security, why cards are becoming the backbone of embedded finance platforms, and how businesses are leveraging these technologies to create seamless, secure customer experiences.
In this episode of The Issuer Academy podcast, host Merusha Naidu is joined by Michael Galvin, Co-Founder and Chief Commercial Officer at Toqio, and Ignacio Gironella Merino, Head of Sales Europe at Paymentology and Global Sales Director at MeaWallet. Together, they navigate the true potential of embedded finance through cards and tokenization.
What You’ll Learn:
- How embedded finance is transforming B2B payments
- Why tokenization is the foundation for secure, frictionless payment experiences across digital platforms
- How companies like Amazon and Shopify are leveraging cards to keep users within their ecosystems
- The role of card controls and tokenization in creating industry-specific payment solutions for SMEs
- Why push provisioning and digital wallets are essential for modern card programme success
- How insurance companies are using instant virtual cards to revolutionise claim payments and customer engagement
Michael is the Co-Founder and Chief Commercial Officer at Toqio, specialising in embedded finance and card tokenization solutions. With vast experience in B2B financial services, he has been instrumental in developing innovative payment solutions for corporates with large merchant networks. Michael brings valuable insights into how embedded finance and tokenization are transforming business operations, particularly in areas like travel, NGOs, and marketplace payments.
Ignacio serves as Head of Sales for Europe at Paymentology and Global Sales Director at MeaWallet. As a payments technology expert, he brings expertise in tokenization, digital payments, and card processing solutions. His work focuses on making payment processes invisible and frictionless while maintaining robust security standards.
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