S07E09: The Reality of Digital Currencies with Clement Jozwiak – Chief Product Officer at Worldline

The Digital Euro and Wero are being positioned as the future of European payments - but will consumers and businesses actually adopt them? In this episode of In Check with Fintech, Clement Jozwiak, Chief Product Officer at Worldline, joins Rogier, our host and CEO at PCN, to discuss whether new payment schemes are solving real problems or just adding complexity to an already crowded payments landscape. With years of experience in issuing, acquiring, open banking, and digital banking, Clement shares his insights on the challenges of driving payment innovation in a market that’s already saturated with options. Key Topics Covered: Do we need both the Digital Euro and Wero, or is Europe overcomplicating payments? Why consumer behavior is the biggest hurdle for new payment methods. The regulatory landscape and what financial institutions need to consider. How AI, open banking, and new payment rails are shaping the future. Why businesses hesitate to adopt new payment systems and what would change that. As regulators, banks, and fintechs push for new ways to pay, the biggest question remains: will people actually use them? Listen now to get the full breakdown of what’s really happening in European payments!