kevin.

kevin. vs legacy: authenticity. Legacy technology has locked the payments industry into their brands for decades. Meanwhile, PSPs, digital wallets, and traditional banks want to highlight their own brands during the payment process. But legacy is in the way, limiting their brand presence and adding unnecessary costs. Being brand-agnostic, our network provides unparalleled versatility, making it compatible with various payment systems and devices. This flexibility guarantees consistent and ubiquitous payments. ?? With no legacy-induced limitations, partners can strengthen loyalty by being by the consumer's side during the entire payment journey. Our goal isn't to become the next big name in payments. We're here to spotlight our partners.

kevin. vs legacy: autonomy. Legacy technology has built a payments ecosystem defined by exclusion, not inclusion. Interlocking partnerships based on control, not cooperation. For many businesses, this is a constant battle. Steep fees, limited acceptance abroad, inflexibility, or lack of authority. All because they rely on systems they don't own. The barrier to entry has been too high to challenge until now. Built on a multi-tenant architecture, our payment infrastructure enables different players to independently design their own schemes on our rails. Each participant can operate by their own rules while benefiting from the scale, reach, and cost efficiency of kevin. network. By replacing dominance with multitenancy, we allow partners to set the rules and create better outcomes for all. ??

Investment in legacy payment technology is set to grow to a record high of $57 billion by 2028, rising from $36 billion in 2022. Yet, investing more in these outdated systems isn't offering much return. According to recent research, such funding will only lead to higher costs and limited growth. The reason? Investing in legacy technology caps the budget for new tech, piles up technical debt, and blocks the financial sector from innovating. The fear of change often justifies continued legacy spending. But with returns plunging, one has to ask: do payments have a legacy mindset problem? The legacy approach preaches safety and security. But beneath the surface, businesses constantly fix minor issues and lack innovation and autonomy. It's time to challenge the legacy mindset. At kevin., we're shifting the paradigm with our A2A NFC payment network, signaling the end days for legacy payment technology. ??

Sustainability is at the top of most businesses' minds today. But there’s one area many overlook - how they get paid. Card payments are energy-intensive due to the numerous intermediaries they rely on, leaving behind a significant carbon footprint. But it doesn't stop there. Production and distribution of physical cards contribute even more to the emissions problem. At kevin., we do things differently. By building an end-to-end payment infrastructure, we've eliminated unnecessary processing steps, drastically reducing energy consumption. Also, our in-store A2A NFC payments are made through consumers' phones, removing the need for physical payment instruments altogether. This way, our partners provide easy, efficient, secure transactions, ?? yes - but in the most sustainable way possible.

We were told it wasn’t possible to make account-to-account payments work in-store like card payments. But we did. Only 6 weeks after Apple allowed third-party wallets and payment providers to access iOS devices' NFC functionality via APIs, we pulled off the impossible - the first A2A NFC transaction on an iPhone ever. Because kevin. brings together skilled people from various industries and backgrounds who: ?? Have a thirst for first times. ?? Have an eagerness to experiment and the ability to bounce back when things don’t go to plan. ?? Are looking for career-defining moves. A big shoutout to our Acceptance team and every single kevin. employee who is making our mission of freeing businesses from the pains of legacy payments technology a reality.