Is your bank ready for the Digital Euro?

The ECB has opened the Digital Euro PSP-Pilot. Banks face €110M+ in average implementation costs, real-time compliance mandates, and structural balance-sheet risk — and 70% are still running on batch-based architectures. The window to prepare is now.

This whitepaper outlines the readiness blueprint banks need — from DESP integration and wallet orchestration to liquidity automation and embedded compliance. It is your starting point for moving from assessment to production.

In this whitepaper you will learn:

• Why digital euro readiness demands architectural change — not just compliance adaptation.
• The four critical exposure areas most banks underestimate, and the risks they create.
• What a production-ready Digital Euro operating model looks like in practice.
• How SAP Fioneer and Senacor, support PSPs to kick-off and facilitate their Digital Euro journey.

A joint publication by SAP Fioneer and Senacor — both selected participants of the ECB Pioneer Program.