Recorded live at Money 20/20 Europe, Bram Vreugdenhil, MD and Co-Founder of PaymentGenes, joins us to tackle one of fintech's most pressing questions: what does it actually take to build something that lasts? With funding tighter, valuations reset, and investors demanding real businesses rather than growth stories, Bram shares what he's learned about durability - what separates the fintechs that make it through from the ones that don't, whether the shift toward profitability is genuine or just good optics, and the single piece of advice he'd give any founder building in today's market. A candid conversation about resilience, discipline, and what the last few turbulent years have really taught the industry.