Tag Archives: ideal

Wero 2026: Sovereignty at a Commercial Premium

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Just left a UBS webinar from the head of product for Wero and thought it would be a good time to update my July 2025 assessment of Wero as a “solution in search of a problem,”. The biggest change in Wero is the core infrastructure has transitioned from a voluntary service to a mandated utility. However, as the European Payments Initiative (EPI) attempts to scale, the project faces a fundamental conflict between political objectives and commercial unit economics.

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Pay By Bank – Where does it work and why?

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Friday I was a tad “let down” in the Sionic/TCH/MX release of Pay-by-Bank. Per my blog on Google/TCH launch and Google P2P I was anticipating something much bigger. To be clear I firmly believe that TCH is working on an “ApplePay Competitor”, which will entail TCH tokens inside of Google’s phone, but this will be 3-6 months out.  Per the blogs above, I see neither pay-by-bank nor TCH Tokens in Google Pay as a threat to V/MA. 

Today I thought I would drill down into “pay by bank”, the dynamics of why it works in some markets, and why I see little threat to V/MA in replacing core cards in eCom or at POS.

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