Daniel Kopeinig

🌍 Nine leading European banks, including UniCredit, have joined forces to launch a MiCAR-compliant euro-dominated stablecoin. This initiative will strengthen Europe’s digital payments ecosystem. https://lnkd.in/dFuPGZqC ⏩ The stablecoin will ensure instant, low-cost, cross-border transactions available 24/7, opening new possibilities for supply chain management, programmable payments and digital asset settlements. 💬 Fiona Melrose, Head of Group Strategy and ESG, said: “By joining this consortium, we are contributing to fulfil the need for a trusted, regulated solution for on-chain payments and settlement, paving the way for a new standard in the digital asset space that will support Europe’s growth and financial sovereignty.” 🇪🇺 This project embodies our vision to be the Bank for Europe’s future, empowering communities with innovation, collaboration and trust in building a stronger, more independent financial system. 📌 #UniCredit #Innovation #DigitalPayments #Europe

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Europe’s #mobile #payment landscape is fragmented between domestic local players solutions (e.g., Swish, Bizum, TWINT), global OEM Pays (Apple Pay, Google Pay), and emerging pan-European initiatives (e.g., #EPI’s #Wero, EuroPA). Domestic systems grew @ 46% CAGR (2017–2023), OEM Pays @ 70% CAGR. OEM Pays dominate in major markets: In markets without strong local players, Germany, France, Italy, Apple Pay and Google Pay have gained ground rapidly, benefitting from native smartphone integration and international card scheme rails. Local players outperform in home markets: In countries like Sweden, Poland, Portugal, and Switzerland, domestic mobile A2A systems process 7–25% of card-equivalent volumes and are ahead of OEM Pays in penetration. Their success hinges on strong bank collaboration, P2P functionality, and local relevance. Interoperability is advancing but complex: Initiatives like EPI, EMPSA European Mobile Payment Systems Association, and #EuroPA aim to bridge domestic systems across borders. However, full technical and commercial harmonization remains a long-term challenge and likely a 10+ year journey. While there is a strategic shift toward regional clusters, consolidation around multi-national collaborations (e.g., EPI–EuroPA partnership) is emerging as a more realistic scenario than a single unified EU solution. The outcome depends on political will, bank support, and execution at scale. Just released Arkwright Consulting's European Mobile Payments report. Thanks to co-authors: Steven Jacob for his unwavering passion for and leading on this topic and Peter Grosskurth. #wallets #paymentinterfaces #a2a

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💳 A new era of payments is coming to Luxembourg: In June 2026, Wero, the European Payment Initiative’s homegrown digital wallet, will replace Payconiq International and bring a single app solution to the country. With EU regulations requiring banks to be instant-payment ready by October 2025, Luxembourg’s five leading banks are preparing the transition. 💡 Read the full story here 👉 https://bit.ly/461khfA

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The Instant Payments Regulation (IPR) represents one of the most significant recent shifts in Europe’s payments landscape. The next milestone arrives on 9 October 2025, when credit institutions in the euro zone must be able to send instant payments and apply verification of payee (VOP) to all SEPA Credit Transfers and Instant Credit Transfers. In our latest EBA CLEARING blog, Erwin Kulk explains how large-scale community testing is helping STEP2 SCT and RT1 users adapt and refine ahead of the deadline – and highlights the strong uptake of FPAD VOP, EBA CLEARING’s VOP solution that goes beyond mere compliance. Read more https://lnkd.in/eTYejyzv #IPR #VOP #instantpayments  

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Greek neobank Snappi goes live Snappi has launched as a mobile-only bank offering free account opening through digital onboarding, allowing customers to open accounts in minutes with fast KYC checks. Each account includes 𝘃𝗶𝗿𝘁𝘂𝗮𝗹 𝗮𝗻𝗱 𝗽𝗵𝘆𝘀𝗶𝗰𝗮𝗹 𝗱𝗲𝗯𝗶𝘁 𝗰𝗮𝗿𝗱𝘀 with full domestic and international functionality. Core banking features include Iris payments, SEPA transfers, utility bill payments, and cross-border transactions. The platform emphasizes transparency with no hidden fees and provides financial education resources with 24/7 human customer care. The neobank operates as a fully licensed European Union bank, combining digital-first approach with traditional banking stability. A "Pay Later" feature for interest-free installment payments on e-commerce purchases is scheduled to launch soon. 💬 Gabriella Kindert, Ph.D., CEO said: "We've created a platform that's digital-first but grounded in trust, combining the ease of FinTech with the stability of a fully licensed European Union bank." Source: https://lnkd.in/em-3fEiC This and more in the newsletter! Sign up here: https://lnkd.in/ecvqiKBY Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story. Next! [ 𝗹𝗶𝗸𝗲 ]

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Latvian Fintech Delegation Visits Sparkassen Innovation Hub The next item on the program for the fintech group was a visit to the Sparkassen Innovation Hub (S-Hub). 🏦 The German banking group Sparkasse is a unique network of more than 350 independent savings banks across Germany, coordinating their activities through five Landesbanken, all under the umbrella of the national association DSGV - Deutscher Sparkassen- und Giroverband . Sparkasse is an exclusively regional structure, serving the interests of local customers in each federal state and city. Despite its complex governance system, it enjoys exceptional trust and loyalty among its clients. 💡 S-Hub, founded in 2017, is the innovation laboratory of the Sparkassen Group. To date, the team has launched over 300 projects, developing new digital services, testing ideas, and creating forward-looking financial products. The team applies agile methodologies, design thinking, and involves end users throughout the development process. Many of the solutions born here are later scaled across the entire Sparkassen network, helping the group stay competitive in a fast-changing financial landscape and respond to the challenges posed by fintech startups. 🤝 For all Latvian fintech representatives, it was especially valuable to discover S-Hub’s innovative ideas and exchange views on current developments and trends shaping the financial industry in Latvia, Germany, and worldwide. 🙏 A special thanks to Eike Suckow for the insightful presentation — your perspective and experience added tremendous value to our visit. #Latvia #Fintech #Hamburg #SparkassenInnovationHub #SHub #Innovation #DigitalFinance #FinancialServices #Networking #Growth #LatvianDelegation #Germany #Collaboration

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