rich 1.0 In this episode of Financial Markets iNSiGHTS, host Tina Kane speaks with Christian K. Schwarz, Head of Banking and Payment Services, about how Europe’s payments landscape is being reshaped as instant payments become mandatory and financial institutions face mounting pressure to modernise legacy infrastructure. They discuss the scale of regulatory change, the challenges of transitioning to real-time, 24/7 processing, and how workflow orchestration can help banks meet new requirements without replacing core systems. The conversation also examines growing competition from fintech challengers, the erosion of traditional revenue streams such as FX, and the strategic risks facing banks that fail to adapt. The episode further explores the rise of stablecoins, tokenisation and alternative payment rails, and why data, interoperability and innovation beyond regulation will be critical for banks looking to remain competitive in an increasingly fast-moving and fragmented payments ecosystem. Financial Markets iNSiGHTS https://audioboom.com/channels/5045503-financial-markets-insights Audioboom https://audioboom.com 480 95 https://audioboom.com/i/43636908/600x600/c 600 600 <iframe width="100%" height="95" src="https://embeds.audioboom.com/posts/8901131/embed?v=202301" style="background-color: transparent; display: block; padding: 0; width: 100%" frameborder="0" allowtransparency="allowtransparency" scrolling="no" title="Audioboom player" allow="autoplay" sandbox="allow-downloads allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation"></iframe>