The Payments Shed – Walk & Talk @ MPE Berlin
Guest: Duygu Inanç Koyunpinar, Head of Product @ DIMOCO
Host: Grant Evans, Co-Founder @ The Payments Shed
Listen to the episode
Recorded live at MPE Berlin, this Walk & Talk episode of The Payments Shed brings together Grant Evans and Duygu Inanç Koyunpinar for a sharp, on-the-ground conversation about the evolution of Open Banking, the realities of user adoption, and why UX is quietly becoming the biggest differentiator in payments.
From “Emerging” to Embedded: Open Banking comes of age
Open Banking has long been positioned as the future of payments — but today, it’s no longer theoretical. It’s increasingly embedded across European checkouts.
In this conversation, Duygu breaks down what actually changed:
- The early barriers that slowed adoption — from fragmented ecosystems to inconsistent user experiences
- Why trust and reliability were initially difficult to establish
- How the industry moved from experimentation to real-world utility
A key part of this shift? Infrastructure control.
Duygu explains why DIMOCO made the strategic decision to obtain its own licence — and how that unlocks greater flexibility, control, and scalability in delivering Open Banking solutions.
The discussion also touches on regulation, with PSD3 and PSR on the horizon:
Will standardization finally remove fragmentation and enable Open Banking to scale across Europe?
Trust & UX: the real drivers of adoption
While regulation and infrastructure matter, one theme stands out: user experience is everything.
Consumers are becoming more comfortable with A2A (account-to-account) payments — but adoption isn’t just about availability. It’s about how it feels.
- Why consumer trust in A2A payments is growing
- The role of seamless UX in driving repeat usage
- Where friction still exists in current Open Banking journeys
- Lessons learned from improving payment flows at DIMOCO
And a key question emerges:
Has UX become the true competitive advantage in payments?
What does it all mean?
As Open Banking transitions from innovation to infrastructure, the battleground is shifting. It’s about delivering payment experiences that users trust, understand, and come back to.
