Meet Christophe Joyau, Tink’s Senior Vice President of Banking & Lending
Heading up our Banking & Lending division is Tink stalwart Christophe Joyau, an experienced financial services professional whose journey with us recently reached five years. We spoke to Christophe to learn more about his role and what’s kept him busy so far in 2023.
Christophe Joyau is the Senior Vice President of Banking & Lending at Tink and has played a crucial role in our transition from serving individual customers to business customers and building a B2B SaaS function.
Christophe highlighted the significant collaboration between Tink and Visa, which is helping Tink's goal to evolve beyond just being an open banking provider and build the best global data platform for tier-1 banks.
Tink's services for banks go beyond traditional open banking, encompassing data-driven products and faster payment solutions. These services can help banks engage and assist customers in managing their finances more effectively.
Briefly, tell us about what you do and your journey at Tink…
I joined the company five years ago when the company was pivoting from serving individual customers to business customers and building a sales organisation. Essentially, I was one of those tasked with building a B2B SaaS function, also collaborating with the marketing team to define the product-market fit and build robust commercial teams. Now I head up the banking division of our business, which covers the variety of data-driven services we can provide to banks of all sizes.
What’s keeping you busy at the moment?
Right now, the most important part of my job is Tink’s collaboration with our parent company, Visa. The opportunity that the acquisition provides is so big for us as we continue to partner with the biggest banks across Europe, and harbour ambitions further afield across the world. Ultimately, our vision as we grow to become more than just an open banking provider is to build the best global data platform for tier-1 banks. You could even say that the term ‘open banking’ is getting a little dated now. That revolution was for the last 10 years and now, looking forward, I think we’ll see companies like Tink do much more than the perceived scope of open banking.
We’re already speaking much more about open finance and then, even broader than that, open data. The new PSD3/PSR and FIDA proposals from the European Commission lay the groundwork for these developments so I’d say it’s a pretty good time to be one of the world’s biggest players in this increasingly important part of the finance industry.
Sounds exciting, tell us more…
Some might hear ‘open banking’ and just think of a small part of what we do, like fast account-to-account payments. But the services that we can offer to banks are increasingly important, with many people becoming more accustomed to managing their finances digitally and with more insights than ever before. When banks integrate with Tink, our data-driven products and faster payment rails can help to engage and coach customers on their spending, credit worthiness, carbon footprint, and much more. With more data also comes increased opportunity for banks and lenders to offer targeted products and cross-sell.
Plus, with Visa, all of this can happen on a bigger and better scale. Their global reach and resources are second to none, so to be part of that network is hugely exciting for a company that I joined just at the start of its B2B SaaS journey.
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