Navigating the Waves: Insights into and transformation of the payment industry
summary
Unzer emerges from a merger of 13 firms into a modular stack and built a new payment processing platform from scratch, launched just over a year ago, claiming that gives a competitive edge. The company keeps three licences (DE, LU, DK), a single billing platform and data warehouse, and focuses on profitable growth versus VC-fueled top-line chasing. Notes friction with German regulators and BaFin audits, sees e‑commerce accelerated by COVID, warns digital Euro needs clear consumer benefit for adoption.
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chapters (10)
- 0:00Introduction
- 1:23E-commerce growth
- 2:48Digital Euro challenges
- 4:32Fintech customer focus
- 5:57Modular platform merger
- 8:06Employee cultural alignment
- 10:15Non-VC ownership advantages
- 11:40Regulatory impact
- 14:51Q&A
- 17:22Future payment opportunities
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