In this episode of Banking Bytes, host Matt Williamson is joined by Michael Knetsch of Deutsche Bank and Cristian Cengher of Erste Group to unpack the true impact of the instant payments mandate and what it really means for banks navigating rapid regulatory change.

Recorded live at MoneyLive, this conversation dives into the operational, regulatory and infrastructure challenges of implementing instant payments across Europe and why the October compliance deadline is only part of the story.

Key highlights:

• The hidden risks of the 10-second rule – why milliseconds matter
• How verification of payee (VOP) is shaping the fight against fraud
• Why customer experience is at stake in the rush to comply
• The reality of 24/7 settlement – why most banks aren't there yet
• What needs to happen before truly seamless cross-border payments become a reality

Michael, Cristian and Matt explore what it takes to move from compliance to competitive advantage and how banks can meet expectations without compromising trust or stability.

Tune in to hear expert views on the future of payments, infrastructure readiness and what's next for the European banking ecosystem.