Money20/20 EU, In Retrospect

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This week made one thing clear: fintech’s biggest opportunities are shifting inside the platforms that people already use. In this edition, we spotlight the trends leaders say will shape what gets built next.

▶ Editor’s Note – Money20/20 Europe 2025 in review

Money20/20 Europe 2025 made clear that the fintech agenda is shifting towards infrastructure, distribution, and embedded finance as standard.

Source: Money20/20

Embedded finance was the most consistently referenced theme across the week. From Visa’s expansion of its Commercial Solutions access point to platform-native lending models, the direction of travel is towards financial products delivered within workflows. B2B platforms, in particular, are accelerating adoption. Liberis, for instance, now works with over 20 embedded partners worldwide and has delivered more than $1.5 billion in funding to SMEs through platform-integrated capital solutions.

Across panels, executives also stressed that the market no longer rewards product depth alone. Instead, scale depends on distribution routes and standardisation. As noted by Checkout.com’s Meron Colbeci, “fragmented technologies” continue to slow adoption in B2B payments, despite growing demand for integrated checkout and reconciliation systems across marketplaces and logistics. This infrastructure gap remains a priority.

Artificial intelligence was present in almost every agenda track. However, the focus has shifted. Panels covering finance automation, compliance, and customer experience aligned around the need for domain-specific models trained on real operational data. Starship Technologies, for example, described how their finance team deployed AI to reduce manual intervention in reconciliation and forecasting, after investing in team-wide training.

Trust and compliance continue to be front of mind, particularly in cross-border finance. Airwallex presented new infrastructure for treasury teams looking to move money between currencies without relying on local bank accounts, while XBD Group outlined a live use case involving virtual IBANs, stablecoin settlement, and embedded KYC flows across the EU and UAE.

There was less discussion of disruption than in previous years. Instead, the dominant narrative focused on reducing operational friction. Industry leaders are prioritising clarity in distribution models, interoperability across rails, and direct commercial impact—particularly for platform ecosystems that are scaling globally.

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🎥 In Conversation with Liberis

Before the dust settled, Rob Straathof, CEO of Liberis, sat down with Fintech.TV to unpack one of the most pressing gaps in B2B finance today 👇

AI Co-Pilots for Small Business Owners

Rob Straathof, CEO of Liberis, joins Vince Molinari at Money20/20 Europe to discuss Liberis, an embedded finance platform that partners with major companies like eBay and WorldPay to provide small business financing. Rob highlights the significant funding gap that small business owners face when dealing with traditional banks and how Liberis aims to fill that void.

fintech.tv/ai-co-pilots-for-small-business-owners

What’s Liberis?

Liberis provides embedded finance infrastructure that helps platforms offer small businesses funding when and where it matters—whether that’s within a checkout flow, a vendor portal, or an app dashboard.

With real-time eligibility checks, machine-learning-based risk models, and global scale, it’s built for platforms that want to do more than just process payments—they want to power growth.

Book a meeting with Liberis