Founder & CEO of @talamobile, @shivsiroya on latest episode of Tokenized on Europe's Market Fragmentation ⁣ ⁣ "So it is 27 different distinct markets that are in Europe. And so I think the fragmentation is real and that the consumer behaviour is actually very different across markets."⁣ ⁣ "What we see is, you know, in Germany, we do see a heavy cash culture. But then you look at a market like a Lithuania. Right? And you see very much a digital culture there."⁣ ⁣ "It's still gonna be paramount on the service providers, obviously, as well as the central banks, but on the service providers to still be able to offer an experience that I think bridges both worlds here."⁣ ⁣ "You actually need to be able to still, for us, have real world utility cash rails, physical cash rails. So these on and off ramps that are at retail centers, remittance centers, mobile money wallets, traditional bank accounts."⁣ ⁣ One platform, 27 markets, and each one needs its own mix of cash-out points and digital wallets before it works at all.⁣ ⁣ 🎙 Listen to the latest episode on Tokenizedpod(dot)com