FinTech by HIPTHER panel - The Reality of Building Trusted Payment Infrastructure

Viktoria Soltesz recently moderated a FinTech by HIPTHER panel about a common problem: do businesses actually know what they need when choosing a payment provider, or do they simply buy what providers sell them?

Together with Ugnė Palijanskaitė from Enable Banking and Saulius Racevicius from PACEP, they discussed why Europe has so many payment companies and whether having so many providers actually helps businesses.

• The main questions were: Why do we have so many payment providers, and do merchants actually benefit from the multi-layer setup?

• How PSD2 evolved from compliance friction to hyper-personalized financial tools—and where execution still falls short. 🔹 SEPA Instant Payments: The shift toward instant transfers, consumer expectations, and bank adoption rates across Europe.

• How AI, data reuse, and EUDI wallets could eliminate the headache of AML/KYC checks.

• Who bears the responsibility of teaching businesses how to optimize payment flows and reduce costs?

The discussion extended to open banking, instant payments and why opening a payment account can still involve so much paperwork. A big part of the conversation focused on helping businesses understand payments better, so they can choose services that actually fit their needs and costs.

Watch the full discussion here: https://lnkd.in/djzprmJC