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Money20/20 Europe lands in Amsterdam from June 3–5, 2025—and Unofficially Money20/20 is here to bring you the stories, insights, and moments that don’t always make it to the stage.
Published by Bobsguide, this independent newsletter tracks the real conversations happening across the event: from AI and fraud to embedded finance, open banking, and SME lending.
Whether you're attending in person or keeping tabs remotely, we’ll help you follow what’s being said, debated, and decided—inside the sessions and beyond the badge.
*We are not affiliated with Money20/20.
As we prepare for Money20/20 Europe 2025, it’s the perfect time to revisit some of the standout insights from last year’s gathering.
🔁 What Last Year Taught Us
🧠 AI matured — and got practical
No more hype. From Microsoft Copilot reshaping workflows to Revolut’s 800+ use cases in its AI factory, the focus shifted to actual results. Real adoption means human oversight, ethical design, and use cases that fit the business.
🛡️ Fraud got faster — and fintechs fought back
Instant payments created instant fraud. Traditional checks failed. Leaders moved detection upstream: behavioral biometrics at login, real-time risk scoring, and shared blocklists. Fraud prevention is now a product — not a backend function.
🌍 Cross-border isn’t optional anymore
Payments are global, but most stacks still aren’t. Fintechs are localizing by design, leaning on strategic partnerships and corridor-specific infrastructure. The new rule: if you can’t think globally and ship locally, you’re behind.
🧱 Tokenization found its footing
Forget crypto chaos. Real-world asset tokenization — from treasuries to securities — took center stage. Infrastructure is maturing, and banks are finally showing up. This time, it’s about rails, not coins.
🔓 Open banking went full-stack
APIs were just the start. Open banking now powers account-to-account payments, credit scoring, refunds, and full embedded journeys. Providers like Brite own the full flow, shifting from access to orchestration.
💶 CBDCs? Still unproven
The ECB wants a digital euro. But skepticism dominated. Without clear value, strong privacy guarantees, and merchant adoption, digital currencies will stay in pilot purgatory. Stablecoins, for now, feel more real.
🧩 Tech is invisible — experience isn’t
No one cares what tools you use. They care if onboarding is seamless, payments work, and support makes sense. Winners built around customer behavior, not tech stacks.
Curious what all the noise is about? Here’s your front-row seat to the energy and conversations that shaped Money20/20 Europe 2024.
🔮 What to Watch at Money20/20 Europe 2025
The fintech sector has moved past first-mover hype. What’s now on the agenda are the systems, risks, and partnerships that define operational advantage. These four areas will shape the most important conversations in Amsterdam this year.
Source: Money20/20
🌟 Embedded Intelligence
Last year, AI was everywhere—on every panel, in every use case. This year, attention has shifted to integration. The sessions explore how financial services teams are embedding AI in fraud detection, AML, and customer operations without expanding their risk surface. The use of tokenization is now being assessed less as a blockchain experiment and more as a method to improve settlement workflows and auditability. The spotlight is on how internal data infrastructure limits—or enables—these moves.
Unofficially Money20/20 is proudly sponsored by Liberis, a pioneer in embedded finance that's helping to reshape how small businesses access capital. While others talk about “embedding finance,” Liberis is already doing it—working behind the scenes of major commerce, payments, and software platforms to provide seamless funding to SMEs, right where they run their businesses.
As conversations this year turn to what makes embedded models commercially viable, Liberis offers a real-world case of scale, integration, and impact.
And they’re not just behind the scenes! Liberis will also take the stage at this year’s Money20/20 with a panel packed with sharp minds and bigger questions. We'll reveal more as the full session details land—watch this space 👀
Last year at Money20/20 Europe, Rob Straathof, CEO of Liberis, sat down to share how embedded finance is reshaping SME funding. From AI-powered underwriting to revenue-based repayment models, he unpacks the data, the challenges, and the impact—especially on underserved businesses.
🌟 Digital DNA
Reusable ID and digital wallets were discussed last year as future enablers of privacy-first payments. In 2025, the focus turns to scale. This pillar explores how government-backed schemes like EUDI and market-driven solutions are influencing authentication models. Delegates can expect discussion on implementation timelines, commercial use cases, and how identity infrastructure supports real-time payments and fraud mitigation.
🌟 Governance 2.0
CBDCs, stablecoins, MiCA, PSD3—last year’s stage was crowded with policy shifts. This year brings scrutiny. The governance track will examine how compliance teams are operationalizing new rulebooks, how businesses are adjusting to increasing regulatory divergence, and how decision-making is adapting to public accountability in a digital-first environment.
🗨️ Got something to say about regulation, risk, or real-world rollout?
The Bobsguide editorial team will be on the ground in Amsterdam—and we’re keen to speak with the sharpest minds shaping fintech. Whether you're leading policy, building infrastructure, or challenging the status quo, we want to hear from you.
🌟 Beyond Fintech
In 2024, embedded finance was presented as a distribution play. In 2025, it’s more about control and monetization. The companies speaking in this track are pushing into new verticals, bundling financial tools into retail, telecom, and logistics. These sessions will show where partnerships are forming, how infrastructure providers are changing the power dynamics, and which commercial models are proving sustainable.
📲 Like what you’re seeing?
And that’s just the beginning. We’ve got exclusive insights and game-changing ideas coming your way in the next few weeks — all designed to keep you ahead of the curve. Stay tuned, because Money20/20 Europe 2025 is about to get even more exciting!
The Unofficially Money20/20 Team
SPONSORED BY
Not affiliated with Money20/20
Bobsguide is a ClickZ Media publication