This episode of the Payments Trilogue hosts Chris Pirkner, CEO of Bluecode and Chairman of EMPSA, the European Mobile Payment Systems Association, to discuss the evolving landscape of payment systems in Europe. The conversation covers the complexities of instant payments, the importance and difficulties of collaboration among payment systems, and the challenges of pricing models in cross-border transactions. Pirkner emphasizes the significance of owning the customer journey in payments and the need for European sovereignty in payment solutions. The discussion also touches on the role of regulators, the potential impact of the Digital Euro, the EUID wallet, and the necessity of a coordinated approach to avoid fragmentation in the market.