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Insights and Expertise

more than a bold concept. Success hinges on delivering
Fintech companies that identify a clear and compelling value proposition, addressing the
market’s unique complexities, and assembling a team
weaknesses in the existing equipped to handle stringent regulatory and operational

system and deliver creative, challenges.
effective solutions are better Even in challenging economic conditions, fintechs that
positioned to earn the trust of tackle real-world problems and modernize legacy sys-
tems can find significant opportunities. By prioritizing
hesitant consumers. substance over hype and offering solutions that drive
meaningful change, European fintech are not only poised
to enter the U.S. market but to spearhead its next wave of
innovation.
Unlike many U.S. payments companies still dependent
on legacy systems, modern cloud-based platforms offer
a much-needed upgrade. Such platforms enable faster, Robert Kraal, co-founder and CBDO at Silverflow, has more than 20
more transparent payment processing while providing years of experience in online payments. After completing his degree in
real-time, detailed data that drives better customer expe- geophysics, he started his career at Bibit, the first global Payment Service
riences, reduces fraud and powers innovative payment Provider (PSP) which was acquired by RBS/Worldpay. At RBS/Worldpay
solutions. he went on to lead account management, before moving on to Google
Netherlands. He joined Adyen in 2010 in the role of COO, where he was
In an era of economic uncertainty and cautious investing, responsible for building and running the global acquiring and process-
this new approach exemplifies the kind of value-driven ing service. At Silverflow, Robert is responsible for maintaining relation-
innovation the fintech industry now demands. ships with the card schemes, acquirers, PSPs and regulators. Contact
Substance over hype him via LinkedIn at linkedin.com/in/robertkraal. To learn more about
Silverflow, visit www.wilverflow.com.
Launching a fintech in today’s U.S. market demands far

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David Daily
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Business Development Business Development
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President Business Development
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