Users want to shop anywhere and anytime. And merchants want to see the money they earned in their account as soon as possible. That a transaction can be completed in under ten seconds is the new standard for the Eurozone. At least for the last few months, since the obligation of instant payment services came into force across the European Union in October 2025.
The new standard, in addition to speed, ensured that the new service must not be charged more than traditional payment and that every service provider must also ensure the verification of the recipient of funds. Recipient verification is an important step forward in the industry for the prevention of financial frauds, which climbed to a value of more than 4 billion euros in 2024. Furthermore, it turned out that verification was also a test for the industry and data hygiene regarding partners for more than 3000 banks, FinTechs, and payment service providers in the Eurozone.
Instant and security are no longer premium, but basic functionalities of the financial world. Therefore, the question arises – what is next for payment and the experience of business and private users? We briefly discussed this with two experts, and you can hear a deeper analysis on the stages of the largest FinTech conference in the region. The fourth edition of the Money Motion conference, with the support of leading industry brands – Mastercard, Monri, ASEE, Croatia osiguranje, A1 Hrvatska – will be held on March 11 and 12 at the Zagreb Fair, and you can secure your ticket on the official conference website and the Entrio platform.
Greater control and flexibility over one’s own funds
“The integration of instant payments, implemented last year, represented a significant technological and infrastructural undertaking for the banking sector of the Eurozone, which also included harmonization with high regulatory and security requirements. The European financial market is rapidly moving towards greater digital connectivity, efficiency, and availability of services, which shifts the financial industry towards a more open, competitive, and user-oriented system, where speed, transparency, and availability become the standard, not an advantage,” says Damir Šljivar, Director of the Digital Banking Sector at Erste Bank.
He further emphasizes that the main winner of these changes is the user; citizens and companies who gain greater control over their own funds, greater flexibility in everyday banking, and safer and more efficient financial services.
The issue of bank sustainability was still relevant until recently, but now we are interested in what is the next step for those who lead technological trends. The leaders of the leading banks in Croatia will talk about exactly this on the main stage of Money Motion.
Intelligent digital agents around the corner
While in popular culture we are still guessing whether cars will pay for fuel themselves or refrigerators will order and pay for the groceries we lack, leading technology companies in the payment services domain are already creating the future. And it is moving towards the integration of artificial intelligence and payment processes. This future does not exclude the previously mentioned examples, but it implies a far greater revolution than them.
“With the accelerated adoption of instant payments, the real-time movement of value becomes the market standard. On this basis, agentic commerce is developing – a market logic in which payment decisions are increasingly taken over by intelligent digital agents. According to McKinsey’s projections, in the next ten years, agentic commerce will transform the global economy, with intelligent digital agents managing billions of transactions worth between 3 and 5 trillion dollars in annual global value by 2030, also relying on real-time payment infrastructure,” explains Damir Čaušević, CEO of Monri Payments and co-founder of Money Motion.
He will also open this topic on the Money Motion stage with relevant international experts to discuss realistic expectations for the next five to ten years, but also what is the current status of the development of this technology. Who has started with development, and who is already testing their prototypes?
Secure your ticket on time
The Money Motion conference gathers 3000 participants annually and more than 700 companies. During the two-day program on five stages, almost 150 experts will share their experiences and knowledge about the future of one of the most propulsive industries today. The list of all speakers at the Money Motion 2026 conference, more information about the program and key benefits for guests, and tickets at the current price of 289 euros, can be found on the official websitewww.money-motion.eu.
