Category: Payments
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EUDI Wallet often underestimated – Three quarters of the EUDI obligation lie outside onboarding
The EUDI Wallet is becoming mandatory infrastructure. By the end of 2026, every EU member state must provide a state-issued wallet. From 24 December 2027 onwards, banks, payment institutions and e-money providers will have to accept the wallet as a…
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Instant payments decouple the payments landscape – Infrastructure becomes a commodity while commercial governance emerges as the decisive competitive factor
Instant payments are becoming mandatory infrastructure. The real transformation is structural: the separation of payment infrastructure from commercial governance is now fully visible. What card schemes historically bundled, i.e. the rail and the rulebook, was carried along implicitly. With the…