Recorded live at Baltic Fintech Days in Riga, this conversation with John Paul Clothier, Head of European Sales at Pismo – Visa, cuts straight to the heart of what modern core banking actually looks like in 2025.
Pismo is a Visa-owned, cloud-native platform processing over 200 million accounts globally, and John Paul breaks down exactly why that matters for banks trying to modernise without the usual horror stories of failed migrations and exploding IT budgets.
In this episode we get into why being born in the cloud is fundamentally different from being made cloud-native, how a single global instance of code gives Pismo clients a competitive edge their legacy rivals simply cannot match, the honest conversation about whether consolidating onto one platform is genuine simplification or just a new kind of vendor lock-in, where the Visa relationship genuinely adds value and where the tensions lie, and how European banks are starting to fight back against the Revolut threat using platforms like Pismo to close the product gap fast.
If you are working in banking technology, financial infrastructure, or fintech strategy, this is one of the sharper conversations we have had on the road this year.