News: Enfuce report calls for more payment choice, Acquired backs UKPI, and TransferMate embraces stablecoins - Live from Money20/20 Europe

**Ross Gallagher** (0:04)
This is Fintech Insider News. This week, new research from Enfuse shows consumers want more choice in payments infrastructure, acquired BAC's UKPI in bid to build a UK card alternative, and Transfermate partners with BVNK to bring real-time stablecoin settlements to global payments network.
We'll be tackling all of this and more on today's new show, live right here from the Money 2020 Europe Conference in Amsterdam. So please don't go anywhere.

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**Ross Gallagher** (1:14)
Hello and welcome to episode 1070 of Fintech Insider News brought to you by 11FS, the sixth time consultancy of the year that works with financial providers, big and small, to build the next generation of financial services. I'm Ross Gallagher, Head of Consulting at 11FS. And this isn't any old Fintech Insider Podcast. This is a Money2020 special.
We are tuning into your ears live from the Money2020 Europe Conference here in Amsterdam.
Now, to help me unpack the biggest and most interesting stories from fintech and financial services from the past week, I'm joined by a really, really terrific panel of guests. First up, we have a welcome return to the show for Niklas Apellund, CTO and co-founder of Enfuse. Niklas, great to have you. Thank you so much for joining us. Maybe you wouldn't mind just starting us off introducing yourself and introducing Enfuse to our listeners.

**Niklas Apellund** (2:05)
Yeah, thank you. Thank you for having me. Yeah, yeah. Niklas Apellund, CTO, one of the co-founders of Enfuse.
Enfuse, European car-dishing platform. We have customer across Europe, also in Latam, and developing the car programs for our customers. We've been around for 10 years, actually turning 10 years this year. So it's been a big year for us. Yeah, thank you.

**Ross Gallagher** (2:25)
And you guys are definitely making a splash here at Money 2020

**Niklas Apellund** (2:29)
No, this is our scene. We have a great marketing team doing great stand work and super happy with it.

**Ross Gallagher** (2:36)
They really are. Awesome. Okay, Niklas, thank you so much for joining us. Really excited to have you with us as we get into the stories. Another huge welcome back to the pod for Megan Caywood, founder and CEO at Caywood AI.
Megan, thank you so much for joining us. It's always great to have you. How are you enjoying the conference so far?

**Megan Caywood** (2:54)
Yeah, it's been amazing. I think what I really enjoyed about Money 2020 this year is, there's the continued focus on agentic AI but I think the conversation is becoming really interesting. We're talking about how we operationalize it internally, how we also enable it to be consumer-facing, and we're talking about the trust infrastructure required to enable it across the ecosystem. I think before we were talking about recommendation and automation, but now we're talking about action and how we enable both agency and operating roles inside the organization as well as to interface with consumers.
It's been phenomenal. I really enjoyed it.

**Ross Gallagher** (3:27)
It really feels like we're moving beyond that initial hype cycle where the narrative is just like, it's going to be everything to like, all right, well actually, this is how it's going to happen.

**Megan Caywood** (3:36)
Yeah, exactly. I think I've heard the saying, trust is the new product as well about a thousand times.

**Ross Gallagher** (3:41)
Yeah. Awesome. All right, Megan, as ever, always a pleasure. Thank you so much for jumping in. And last but not least, we have Eline Blomme, Chief Product and Strategy Officer at Acquired. Eline, great to have you.
Welcome to the show. Maybe you can introduce yourself a little bit about Acquired.

**Eline Blomme** (3:58)
Great. Thanks, Ross.
Eline Blomme, as you mentioned, some Chief Product and Strategy Officer at Acquired.
For those that don't know Acquired, we are a recurring payments specialist. And basically, how we try to, how we push our product strategy is around the product narrative, which is around converting, retaining and recovering consumers for our merchants.
If we deep dive a little bit on the recovery side, that's really where we differentiate ourselves, is where we see that a lot of payment providers give many signals to our merchants that they have to make an own conclusion out of, an own logic as it is, which means a lot of work and a lot of failures, a lot of static retry programs. And then there is the other element. And basically, we translate that layer and all these signals into a very directive approach. This is what exactly our systems need to do. But we can also do it on their behalf, leaving no money on the table basically.