G+D: Navigating the Future of Fintech Agility and Innovation

At Money20/20 Europe 2026, Philippe Serres Chief Sales Officer at Giesecke+Devrient (G+D) outlines how they navigating the rapidly evolving fintech landscape. Serres emphasises that for a large organisation, success in the fintech sector relies heavily on agility and the ability to adapt to diverse operational models. By fostering long-term partnerships, often supporting fintechs from their early, smaller stages through to substantial growth, G+D has built a foundation of loyalty that allows them to remain a trusted partner as these companies scale.

Serres highlights two major shifts currently shaping the payment industry as first, he points to the acceleration of payment methods and the rising need for seamless integration across various rails, such as QR codes and different funding sources. Secondly, he discusses the critical convergence between digital identity and payments, and drawing on G+D’s deep experience working with over central banks, governments, and 5,000 banks, Serres explains that the company is uniquely positioned to bridge these worlds, especially with upcoming regulations like the EU ID wallet.

Furthermore, Serres identifies a unique strength in G+D’s ability to combine the physical and digital realms. As industries like the Internet of Things (IoT) mature, the capability to deliver real, physical products alongside digital solutions has become a key asset; this dual focus allows G+D to support clients across both domains, ensuring they remain competitive.

Finally, the discussion touches on the evolving definition of premium in banking and Serres observes that the concept has shifted from purely wealth-based metrics to one centered on lifestyle, values, and community, such as a customer’s affinity for specific sports or interests. By supporting this more holistic client journey, G+D aims to help fintechs differentiate themselves and provide genuine value to their users, whether through digital or physical means.