At Mobey’s Member Meeting in Munich, it was clear that payments and digital identity are no longer separate domains. The discussions were grounded in real-world experience and transparent dialogue — and several themes emerged:
💭 Payments + Digital Identity are converging: Digital wallets are becoming central trust interfaces, combining payments and identity verification in one seamless flow.
💭 Governance and sovereignty matter: Wallet solutions must align with national frameworks, user expectations, and ecosystem trust.
💭 Interoperability is key: Open standards will be essential for wallets to work across ecosystems, not in isolation.
💭 EUDI Reality Check: Regulation sets the framework, but adoption will depend on clear incentives and real user value. Many EU countries may possibly miss the EUDI Wallet deadline.
💭 Regulation is reshaping identity: AMLR and eIDAS 2.0 will impact onboarding, authentication, and ongoing trust management.
💭 Fraud requires collaboration: Fraudsters thrive in gaps—breaking silos and sharing intelligence is critical.
💭 Agentic commerce is accelerating: Key themes included liability, safeguards, and the role banks may play—some are considering building their own agents.
💭 Trust by design: Security, accountability, and transparency must be embedded from the start across wallets, fraud prevention, and automation.
