At this year’s Money20/20 Europe, finby CEO David Rintel spoke with Fintech Finance News about one of the biggest challenges facing merchants today: navigating Europe’s increasingly fragmented payments landscape.

Watch the full interview below to hear David’s insights on the future of payments in Europe and discover how merchants can turn payment complexity into an opportunity for growth.

While Europe is often viewed as a single market, the reality is far more complex. Consumer payment preferences vary significantly from country to country, with local payment methods, account-to-account solutions, and mobile-first payment schemes becoming increasingly dominant across the region.

In the interview, David explains why a standardised approach to payments often falls short and why merchants need to adapt to local payment habits to maximise conversion rates and customer satisfaction.

He also explores:

  • Why Europe should be viewed as a collection of distinct payment ecosystems rather than a single market
  • How local payment methods influence customer trust, conversion rates, and checkout performance
  • What is driving the rapid growth of account-to-account and mobile-first payment solutions such as BLIK, Bizum, and Wero
  • Why cross-border expansion remains complex for merchants operating across Europe
  • How finby helps businesses simplify payment complexity while maintaining local relevance in every market

As payment preferences continue to evolve, merchants that understand and embrace local payment behaviours will be best positioned to succeed. The ability to offer customers their preferred way to pay is no longer a competitive advantage – it’s an expectation.