Daniel van Delft is the Chief Executive Officer of Currence iDEAL, the owner of the payment brand iDEAL. He also serves as the CEO of EPI Operations, the entity responsible for the operational management of the European Payments Initiative (EPI) and its digital wallet, Wero.

Wero is the first European-born digital wallet, developed by the European Payments Initiative (EPI) and supported by 14 major European banks and two large payment acquirers (Worldline and Nexi). Built on account-to-account payments, Wero allows users to send and receive money instantly using just a phone number, email address, or QR-code, without needing an IBAN.

From National Champions to a European Payment Network: Scaling Account to Account Payments Across Borders

Europe has proven that account to account payments can achieve mass adoption when built around trusted domestic ecosystems. Solutions such as iDEAL in the Netherlands demonstrate how bank-based payments can become the preferred way to pay online. The next step is scaling this success across Europe. This presentation explains how national schemes can transition into a pan European infrastructure while preserving the trust, reach and user experience that drove their adoption. It outlines the operational realities of migrating millions of users, merchants, and banks to a shared framework such as Wero, and why interoperability, governance and ecosystem alignment are critical to delivering a truly European payment alternative.

 

This panel examines how emerging forms of digital money can integrate with existing payment infrastructure. Panelists will discuss the technical and regulatory hurdles of interoperability with legacy rails, and the practical approaches needed to enable seamless, compliant value transfer at scale.