What really makes payments work: technology, regulation, or the people behind it? And what does it take to navigate tough negotiations in such a complex industry?

In this episode of Payments Between Us, I sit down with Daniela Moellers, a digital payments specialist with extensive experience in negotiations, card schemes and the European payments landscape.

We explore Daniela's journey through the industry, how payments have evolved in Germany and across Europe, and the emergence of initiatives such as Wero.

We also look at the challenges of operating in a highly regulated industry: how regulation affects innovation and market entry, why understanding the market should come before building the product, and where European payments could be heading next.

But this conversation goes beyond payment technology. Daniela shares her perspective on negotiation, trust, leadership and working across different cultures, including why human connection continues to play such an important role in business.

And, as Daniela puts it: are we all living in a “payments bubble”?

In this conversation, we explore:

■ Daniela's journey through the payments industry
■ The evolution of payments in Germany and Europe
■ Wero and European payment initiatives
■ Regulation, innovation and market entry
■ Building products that solve real market needs
■ Negotiation, trust and human connection
■ Cultural differences in international business
■ The future of the payments landscape

Connect with Daniela:
LinkedIn: Daniela Moellers

Payments Between Us:
Watch, listen & follow: cedarium.com/podcast

Payments happen between people.
And so do great conversations.