Show notes
Unified commerce and European payments are under pressure as merchants juggle fragmented vendors, local debit schemes, and country-by-country compliance. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Niv Liran, Chief Product and Technology Officer at Unzer, to break down how one platform serves over 85,000 merchants across Germany, Austria, Switzerland, and Denmark.Niv explains how Unzer consolidated 13 acquired companies into a single system using a one-application-per-purpose rule, why local language sales and compliance expertise outperform global common-denominator approaches, and how open banking and the European Payments Initiative are creating new payment rails. The conversation gets specific on merchant migration tactics, daily workflow savings from eliminating multi-vendor reconciliation, and where AI-powered tools fit for small businesses within the next three to five years.FIND OUT MORE1️⃣ Gate your best features to the new platform so merchants have a reason to migrate without being forced.2️⃣ Ask prospects to walk through their daily actions before pitching; let the pain sell the solution.3️⃣ Set a one-app-per-purpose rule before consolidation starts to prevent political gridlock across acquired teams.4️⃣ Test every partnership against two filters: does it help the merchant, and will consumers actually adopt it.5️⃣ Connect directly to local accounting software in each market; it locks in retention and kills reconciliation overhead.GuestNiv Liran on LinkedIn: https://www.linkedin.com/in/nivliranUnzer: https://www.unzer.comFintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupporters of Fintech ConfidentialUnder.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTCSkyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.comDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfnsHawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.comAbout the GuestNiv Liran is Chief Product and Technology Officer at Unzer. He entered fintech at Groupon in Berlin solving chargebacks on billions in monthly volume, then held leadership roles at Rocket Internet and AUTO1 Group, where he scaled the tech department from 5 to over 350 employees. He holds a B.Sc. in Computer Science and an MBA from INSEAD.About UnzerUnzer is a payments and commerce platform serving more than 85,000 merchants across Germany, Austria, Denmark, and Luxembourg with unified online, in-store, and back-office solutions through its UnzerOne platform.About the HostTedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid.Chapters00:00 Episode Highlights01:02 Welcome to Fintech Confidential01:10 DFNS: Wallets as a Service (sponsor)02:32 Meet Niv Inbar05:08 Why Unified Commerce Is Hard07:02 Falling Into Payments09:46 Unser vs Stripe Adyen11:30 Localizing Across Europe12:44 One Platform Consolidation15:12 Merchant Migration Playbook17:43 Merchant Day to Day Example20:21 Skyflow - Your Privacy API (sponsor)21:18 Taming Local Debit Schemes23:29 Selling ROI and Reducing Risk26:29 Partnerships Open Banking EPI29:20 EPI and Digital Wallet Future31:06 Market Consolidation Ahead32:27 Crystal Ball Unified Commerce35:26 AI Agents for Small Business37:32 One Sentence Founder Advice39:11 Wrap Up Key Takeaways41:03 Hawk AI - Realtime Fraud Monitoring (sponsor)41:47 Disclaimer
