EMEA Payments and Open Banking Centre of Excellence

Transforming your challenges in opportunities

PwC’s Payments and Open Banking Centre of Excellence is a virtual network that brings together experienced professionals from over 29 countries in Europe, Middle East and Africa. Our close collaboration with PwC subject matter experts in other territories and regions allows us to help our clients address their challenges, proposing solutions in line with their needs, cultures and innovation expectations, creating value, nationally as well as internationally.

The network synergies, founded upon a wide range of initiatives such as workshops and webinars, are able to satisfy your needs through continuous sharing of experiences and pursuing new solutions.

See details in German, Polish, or Italian.

By working together, the PwC CoE is able to provide the following challenges with respect to Payments, Cards, and Open Banking:

Full support: clients needs and objectives will become ours. This we offer thanks to our multidisciplinary and integrated teams around the PwC network.
Research & insights: our in-depth knowledge of local and international markets helps our clients understand and navigate their market and challenges.
Market benchmarking: we fulfill the role of information aggregator by identifying best practices among players and analysing market trends through key international information sources.

Footprint and features of the CoE

The Payments and Open Banking CoE is based on a solid network of SMEs from the main PwC countries characterized by...

  1. Proven competencies in different areas of the business
    We are a community of professionals on Payments, Cards and Open Banking with expertise in strategy & organisation, innovation, regulation and technology.
  2. Constant dialogue and discussion on new solutions
    We provide strategic recommendations and operational solutions to both clients and market.
  3. Valuable work
    We offer a complete and integrated knowledge of the market and provides high quality results to support local and international clients.

Our main areas of advice


We help our clients leverage innovationoptimise and manage the payment lifecycle, including technical and security aspects, and develop new or review existing payment strategies.


We leverage solutions and capabilities for the transformation of our clients of both business and operating models, including industry-specific performance improvement programs.

Open Banking

We help in the move towards an Open Banking & Open Finance ecosystem, calibrating technological, customer, regulatory and competitive drivers through our extended knowledge of new business opportunities.

Technological Platforms

We help our clients to accelerate business development by leveraging the creation of products and the optimization of processes by using the latest technology such as API Services and Cloud Infrastructures.

Our experiences

Thought leadership

We have developed an integrated approach and constant collaboration between the countries allowing us to publish numerous insights and studies from a country perspective but also on a European level. A selection of these can be found below.

Market experience

We have proven knowledge of Payments, Cards and Open Banking systems with particular attention to their underlying strategies and technologies.

Workshop planning

We regularly organise training events and virtual workshop, also internationally, to ensure our clients are update on topics of their interest.

Development of advanced tools

We use efficient tools based on the experience gained from various national and international projects, such as models for evolutionary scenario analysis or in-depth knowledge of profiling through sampling & qualitative/quantitative analysis.

Databases set up

We continuously update databases for international benchmarks in order to develop sectorial analysis and predict new opportunities.

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Contact us

Marco Folcia

Marco Folcia

Partner | CoE Payments and Open Banking Leader, PwC Italy

Daniela Chiocca

Daniela Chiocca

Senior Manager, Payments & Digital Banking, PwC Italy