Product Manager

How Ahold Delhaize is improving customer payment options. April 10, 2026 Fiserv and Ahold Delhaize USA are implementing Pay by Bank as a payment option to merge security and flexibility for digital transactions Ahold Delhaize USA has strengthened its collaboration with Fiserv to roll out Pay by Bank, a digital payment solution aimed at online grocery customers. The move could signal a broader shift in how major retailers approach payment infrastructure as a lever for commercial growth. The grocery retail group, which operates as the largest on the US East Coast and fourth largest nationally, is positioning the payment innovation as part of a wider strategy to modernise its omnichannel operations and drive customer retention through enhanced flexibility at checkout. Pay by Bank is now live across The GIANT Company, Giant Food and Stop & Shop e-commerce platforms and mobile applications. The system enables customers to pay directly from their bank accounts without entering card information, potentially reducing friction in the purchasing process and improving conversion rates at the digital checkout. Building customer adoption early. Since launching a pilot in October 2025, Ahold Delhaize USA reports that "tens of thousands of customers have enrolled" in the service. This early uptake could indicate growing consumer appetite for account-based payments in the US market, where adoption has historically lagged behind Europe. The rapid enrolment figures suggest that US consumers may be more receptive to account-to-account payment methods than previously assumed, particularly when integrated seamlessly into familiar shopping platforms. This challenges the conventional wisdom that American shoppers remain wedded exclusively to card-based payments. "Expanding digital payment choice is an example of how we continue to enhance our omnichannel platform, which in turn enables Ahold Delhaize USA brands to better serve their customers," says Keith Nicks, Chief Commercial and Digital Officer of Ahold Delhaize USA. "Pay by Bank provides a simple way for customers to pay directly from their bank accounts, creating a seamless checkout experience and increased choice for the customer in terms of how they prefer to pay." The deployment represents a calculated bet that payment optionality can influence customer loyalty and lifetime value, particularly as grocery retailers compete on convenience and digital experience in an increasingly consolidated market. Leveraging embedded finance capabilities. The partnership integrates Fiserv's embedded finance technology directly into Ahold Delhaize's proprietary digital infrastructure, bypassing third-party wallets or intermediaries. This approach could offer Ahold Delhaize greater control over transaction data and customer insights, both critical assets for personalisation and targeted marketing strategies. The direct integration model also allows Ahold Delhaize to maintain ownership of the customer relationship throughout the payment journey, rather than ceding control to external payment providers. This architectural decision reflects a growing recognition amongst retailers that payment infrastructure represents strategic, not merely operational, value. For Fiserv, the collaboration offers a high-profile entry point into the US grocery sector and validation of Pay by Bank's scalability across large enterprise environments. "Adding Pay by Bank is more than introducing a new tender type - it reflects our commitment to strengthening the omnichannel platforms behind everyday commerce," says Lia Cao, Chief Revenue Officer, Enterprise and Platform Clients at Fiserv. "We are proud to support Ahold Delhaize USA with technology that simplifies payments operations, improves efficiency and helps drive long-term growth across their brands." The integration also positions Ahold Delhaize to potentially reduce processing costs and fraud exposure while shortening settlement cycles compared with traditional card networks, factors that could impact margins over time. Strategic differentiation through payments. The introduction of Pay by Bank aligns with Ahold Delhaize USA's broader omnichannel evolution, which treats digital infrastructure as a growth engine rather than a supporting function. The retailer's brand portfolio, which also includes Food Lion and Hannaford, gives it significant scale to test and refine payment innovations across diverse customer bases. By embedding payment functionality deeper into its platform, Ahold Delhaize is adopting elements of a platform economy model where checkout becomes a strategic differentiator. This could provide competitive advantages in customer data ownership, operational efficiency and the ability to launch adjacent financial services in future. While Pay by Bank has seen faster adoption in the UK and Europe under open banking frameworks, large-scale US deployments like this one could accelerate market readiness and encourage other retailers to explore similar models. Ahold Delhaize USA has indicated it will continue to build and enhance its omnichannel platform to improve and expand the user experience, suggesting further investment in digital capabilities designed to support sales growth and customer engagement across channels. Executives. * Keith Nicks EVP, Chief Digital & Commercial Officer * Lia Cao Chief Revenue Officer, Enterprise & Platforms Company portals.

How is Ahold Delhaize modernising the checkout with Fiserv? April 08, 2026 Fiserv and Ahold Delhaize USA are rolling out Pay by Bank for online grocery orders, merging security, efficiency and flexibility in digital payments Ahold Delhaize USA has expanded its partnership with Fiserv to introduce a new digital payment option, Pay by Bank, for online grocery shoppers. This is the latest effort by the largest grocery retail group on the US East Coast - and the fourth largest in the country - to modernise its omnichannel infrastructure and provide customers with greater flexibility in how they pay. The feature, available across The GIANT Company, Giant Food and Stop & Shop e-commerce sites and mobile apps, allows customers to pay securely and directly from their bank accounts. Unlike card-based transactions, Pay by Bank eliminates the need to enter or store card details, offering customers a streamlined and secure payment journey. Since its late 2025 pilot, Ahold Delhaize USA says that "tens of thousands of customers have enrolled" in the new service. This is an early indicator that US consumers are increasingly receptive to account-linked digital payments. "Expanding digital payment choice is an example of how we continue to enhance our omnichannel platform, which in turn enables Ahold Delhaize USA brands to better serve their customers," says Keith Nicks, Chief Commercial and Digital Officer of Ahold Delhaize USA. "Pay by Bank provides a simple way for customers to pay directly from their bank accounts, creating a seamless checkout experience and increased choice for the customer in terms of how they prefer to pay." The Ahold delhaize-fiserv partnership. The partnership leverages Fiserv's embedded finance expertise, integrating directly into Ahold Delhaize's proprietary digital platform, rather than using a third-party wallet or intermediary. This is both a new inroad into the US grocery market and a strong proof point for Pay by Bank's commercial adaptability for Fiserv. "Adding Pay by Bank is more than introducing a new tender type - it reflects our commitment to strengthening the omnichannel platforms behind everyday commerce," says Lia Cao, Chief Revenue Officer, Enterprise and Platform Clients at Fiserv. "We are proud to support Ahold Delhaize USA with technology that simplifies payments operations, improves efficiency and helps drive long-term growth across their brands." Bank-based payments and the future of retail checkout. Pay by Bank is part of a broader fintech trend in retail: reducing friction and fees associated with cards while improving trust through direct authentication. Consumers can link a checking account via secure verification - often using open banking protocols - and authorise payments instantly without manually entering credentials at checkout. For enterprises, the approach brings measurable advantages. Direct bank transfers can reduce processing costs, minimise fraud exposure and shorten settlement times compared with card payments. The model also delivers stronger data control, as transactions are authenticated directly between consumer and bank. In the UK and Europe, Pay by Bank adoption has accelerated under open banking regulations. It's a different story in the US, however. Rollout has been slower - but large retail use cases like Ahold Delhaize's show that there is a more established and growing readiness. Ahold Delhaize's omnichannel strategy. As well as improving operations for customers and enterprises alike, the initiative also reinforces Ahold Delhaize USA's wider omnichannel evolution. As its family of brands - which includes Food Lion and Hannaford on top of Giant Food, The GIANT Company and Stop & Shop - form the largest grocery retail group on the US East Coast and the fourth largest nationally, working with Fiserv gives Ahold Delhaize tighter control over payment data and performance metrics. This is a shift toward a platform economy model where payment functionality becomes a strategic differentiator rather than a back-end service. In coming months, Ahold Delhaize USA says it will "continue to build and enhance its omnichannel platform to improve and expand the user experience". Executives. * Keith Nicks EVP, Chief Digital & Commercial Officer * Lia Cao Chief Revenue Officer, Enterprise & Platforms Company portals.

Simplifying EV charging payments: Tridens and CCV from Fiserv partner for scalable growth. Friday, April 3, 2026 10:22 AM The European EV charging market is expanding rapidly. For Charge Point Operators (CPOs), eMobility Service Providers (EMSPs) and fleet operators, growth brings opportunity - but also complexity. Managing charging infrastructure is one thing. Integrating secure, open-loop, card-present payments across multiple sites and countries is another. To address this challenge, Tridens and CCV from Fiserv have partnered to deliver a seamless, cloud-based payment integration that enables scalable, compliant and future-ready EV charging networks across Europe. One ecosystem: CPMS meets payment expertise. Tridens EV Charge is an all-in-one Charge Point Management System (CPMS) designed for e-mobility businesses ready to scale. With full OCPP support, smart charging features and 24/7 AI-driven assistance, the platform enables operators to manage, optimise and monetise their charging networks from one central environment. By integrating the CCV IM30 payment terminal via CCV's OCPI-based Cloud-Connect solution, Tridens extends its ecosystem with fully embedded card-present payment functionality. The result is a direct cloud-to-cloud integration between the Tridens CPMS and CCV's payment infrastructure without complex station-level development or fragmented third-party connections. What does cloud-based integration via OCPI mean in detail? At the heart of the partnership lies CCV from Fiserv's Cloud-Connect EVC solution, built on OCPI standards. Instead of connecting each payment terminal individually to a charging station, payment functionality is centrally orchestrated through the CPMS. This architecture ensures: * Simplified deployment across entire charging estates * Central terminal configuration and lifecycle management * Real-time pricing control and session visibility * Faster roll-out of new locations * Reduced operational and integration complexity For CPOs operating across multiple regions, this model significantly lowers technical overhead while maintaining full flexibility. Payments become a natural extension of the charging management system not a separate technical layer. What's behind the CCV IM30 payment terminal? The CCV IM30 is a powerful 3-in-1 payment terminal supporting contactless, chip and PIN transactions via a large 5" touchscreen. Designed for demanding environments such as EV charging, it combines robust hardware with secure processing and flexible connectivity options. Integrated through Cloud-Connect, the IM30 enables operators to offer transparent ad-hoc card payments directly at the charger. This supports current European regulatory requirements, including AFIR, while ensuring a frictionless driver experience. For EV drivers, it means simple tap-and-go charging. For operators, it means higher session success rates and improved user trust. What values does this partnership result in? This partnership results in enabling monetisation and network growth. As EV infrastructure scales, monetisation strategies become increasingly important. Payment reliability directly impacts revenue, customer satisfaction and brand perception. The Tridens and CCV from Fiserv integration empowers operators to: * Offer secure direct card payments without subscription barriers * Reduce failed or rejected transactions * Increase accessibility for occasional and cross-border users * Expand charging hubs confidently across Europe * Maintain control over pricing, billing and reporting within one platform Whether deployed at public fast-charging hubs, fleet depots or semi-public retail locations, the solution adapts to different business models while ensuring consistent performance. What are the drivers of this partnership? This strong partnership is driven by innovation and reliability. The collaboration reflects a shared vision: accelerating e-mobility with scalable, intelligent and reliable technology. Tridens contributes deep expertise in cloud-native CPMS architecture and telecom-grade billing. CCV from Fiserv brings decades of payment innovation, regulatory expertise and secure end-to-end payment solutions trusted across Europe since 1958. Together, Parking combine: * Cloud-based innovation * OCPI-driven interoperability * Proven payment reliability * A strong commitment to long-term partnerships The outcome is a powerful, integrated solution that enables e-mobility businesses to grow with confidence. About CCV. CCV is an international payment solutions provider that services over 600,000 businesses with end-to-end payment solutions in Europe. Its extensive portfolio includes a processing and settlement platform, online and closed-loop payments, acquiring services, and a wide range of in-store and unattended payment terminals. CCV's focused partnership strategy, as well as direct SME offerings, enabled Parking to take leading positions in all home markets: the Netherlands (HQ), Germany, and Belgium. Its success is based on innovation and a long-term customer-focused commitment via partnerships and SME businesses. About Tridens. Tridens EV Charge is an all-in-one EV charging platform for e-mobility businesses ready to scale. It enables CPOs, EMSPs, and fleet operators to manage, grow, and monetize their charging networks - with full OCPP support, smart charging features, and 24/7 AI support.