PAYMENTS
This regulatory complexity influences fundamental architectural decisions about how payment systems are xdesigned and deployed across multiple markets.
Evolving beyond speed alone Consumer expectations have shifted decisively towards instant access to financial services. However, speed alone no longer provides sufficient competitive differentiation in mature markets.
“ Instant access to financial products remains foundational and is now seen as the norm for consumers and businesses alike,” Marcin states. This expectation shift requires payment providers to identify new sources of competitive advantage.
Modern payment companies are responding by focusing on integration
“ Being able to move money quickly is of paramount importance; however, making sure this is done safely and securely is crucial”
MARCIN GLOGOWSKI, SVP AND MANAGING DIRECTOR OF EUROPE & UK CEO, MARQETA quality and user journey design.“ At Marqeta, we’ re going beyond speed by embedding payments directly into the platform experience for our customers,” he explains.
“ We are delivering real-time disbursements through branded, seamless user journeys without the need to be redirected to third-party products, which makes payments feel like a natural extension of the product.”
Consistent quality across all customer touchpoints builds a sustainable competitive advantage.
“ By embedding consistent, highquality touchpoints throughout, we are enabling our customers to build innovative products that encourage long-lasting loyalty from their cardholders,” he explains.
“ Marqeta is continuing to invest and champion user empowerment alongside operational efficiency.”
Specific features demonstrate this dual focus in practice.“ Features like earned wage access and instant expense reimbursement give users more control over their cash flow while reducing friction in the process, in turn building trust with customers,” he reveals.
Automation supports this enhanced user experience whilst reducing operational overhead.“ Marqeta’ s automated infrastructure lightens support demand and ensures consistency, freeing payment teams to focus on growth and innovation,” Marcin concludes.
50 July 2025