Recorded live at Baltic Fintech Days in Riga, this conversation with Sharlote Leikuma pulls back the curtain on what it actually takes to build a payment technology company that does it all under one roof.
Most fintechs stitch together five, ten different providers to deliver a complete payments stack. DECTA built it themselves. In this episode, Sharlote breaks down why that single-provider model is becoming the approach serious financial institutions are turning to, how holding both a UK and European EMI license plus Visa and Mastercard principal membership changes the conversation with clients, and why trust is now the real differentiator in payments, not technology.
We also get into the digital euro, why no financial institution actually wants it but every regulated one will eventually have no choice, and how companies positioned correctly could turn that regulatory burden into a genuine competitive advantage.
If you are a neobank, payment institution, or financial services company trying to figure out your infrastructure without the headache of managing a dozen vendor relationships, this one is worth your time.
