For decades, banks controlled the payments industry. The rise of fintech and pressure from regulators changed this status quo, and new regulations like PSD2 reopened the payments market.
Nevertheless, only a few non-bank payments providers prove successful. While banks are well represented to defend their interests on a national and European level, this is a lot harder for young, creative start-ups.
PayBelgium framed it well on their website: "The landscape is changing quickly, but we should avoid the temptation to regulate this space with a one-size-fits-all approach. This will only lead to replicating the bank model across the industry. A cookie-cutter approach will end up creating more of the same, stifling innovation altogether."
In this session, we'll investigate why organisations like PayBelgium and Emerging Payments Association Europe are so essential to make a voice against the interest of incumbent players and to foster innovation in payments on a European level.
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