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Case study · 004 · Fintech · Pan-European

Wero

European Payments Initiative

Stood up the UX research function for a pan-European payments network — across the Netherlands, Germany, Belgium, and France — turning research from late-stage validation into a continuous-discovery operating rhythm.

🇳🇱 Netherlands
🇩🇪 Germany
🇧🇪 Belgium
🇫🇷 France
Client
Wero · EPI
Industry
Fintech · Payments
Engagement
Oct '25 – Mar '26 · 6 months
Services
Research Lead · Strategy · Ops
Role
UX Research Lead
I · The challenge

A new pan-European payments product. Four markets. Zero research operating model.

Wero is the European Payments Initiative's consumer-facing product — a unified payments network covering the Netherlands, Germany, Belgium, and France. The product team had design, engineering, and ambition. What it didn't have was a way to make research a strategic input rather than a checkbox before launch.

My remit: stand up the research practice from scratch — operating model, intake process, prioritization framework, repository — and run large-scale qualitative and quantitative programs across four markets in parallel. While simultaneously positioning research as continuous discovery, not late-stage validation, inside a multi-stakeholder ecosystem of designers, engineers, banks, merchants, and partners.

"We're not launching one product in four markets. We're launching four products that have to feel like one."

— Wero product leadership, kick-off
II · How I worked

Research as strategic infrastructure — not last-mile validation.

Six months. Four markets. The job wasn't to run more studies — it was to build the operating model, repository, and stakeholder rhythms that let research compound across markets and stay strategic, not reactive.

01
Research operating model
Phase 1

Built the calendar, intake process, and prioritization framework from scratch. Output: every product decision routes through a defined research lens, with realistic timelines and clear ownership across markets.

02
Central insights repository
Phase 1–2

Set up the central insights repository plus a knowledge-sharing structure (Confluence + Slack). Output: research reuse instead of repeated work — and stakeholder education on how to query findings without going through me.

03
Multi-market research programs
Phase 2–3

Led large-scale qualitative + quantitative research across NL, DE, BE, FR. Tooling spanned Matomo, Databricks, Tableau, and UserTesting — chosen to support behavior + attitude triangulation across language and regulatory contexts.

04
Strategic translation
Throughout

Translated complex insights into product strategy, roadmap input, and concrete epics/user stories. Specific impact areas: consumer segments, onboarding, checkout, QR, and consent flows — the touchpoints where pan-European products live or die.

III · How it unfolded

Six months. Continuous discovery, live.

Month 1 · setup

Building the operating model

First month was infrastructure — research calendar, intake process, prioritization framework. Made it work for four markets at once, with clear ownership and realistic timelines, so the model held under load.

Month 2 · repository

Central insights repository goes live

Set up Confluence + Slack as the central knowledge layer. Migrated existing research, defined tagging conventions, and ran stakeholder education sessions so the team could query findings independently.

Months 3–4 · research

Large-scale multi-market programs

Ran qualitative + quantitative research across NL, DE, BE, FR. Used Matomo, Databricks, Tableau, and UserTesting to triangulate behavior and attitude — and surfaced market-specific signals the product team couldn't have seen any other way.

Month 5 · translation

Insights into product strategy

Translated findings into roadmap input and epics across consumer segments, onboarding, checkout, QR, and consent flows. Made sure the strategic narrative — not just the tactical fixes — landed with product leadership.

Month 6 · alignment

Aligning the multi-stakeholder ecosystem

Active stakeholder management across designers, engineers, banks, merchants, and partners — keeping a complex ecosystem aligned on what user evidence actually meant for the next phase of the product.

"

The same payment flow doesn't mean the same trust signal in four different markets. Research wasn't validation — it was the only thing keeping the product defensibly European.

— The pivotal insight
IV · What I built

A research function built to scale across borders.

Operating model, repository, and stakeholder rhythms — all designed to outlive the engagement and keep producing strategic value across four markets.

01
Research operating model
Calendar, intake process, and prioritization framework built from zero — designed to absorb research demand across four markets without becoming a bottleneck.
02
Central insights repository
Confluence + Slack knowledge-sharing structure that turned research from a private function into shared infrastructure stakeholders could query directly.
03
Multi-market research programs
Large-scale qualitative + quantitative programs in NL, DE, BE, FR — using Matomo, Databricks, Tableau, and UserTesting to triangulate behavior and attitude across regulatory contexts.
04
Strategic product input
Concrete roadmap input across consumer segments, onboarding, checkout, QR, and consent flows — translated into epics and user stories the product team could ship against.
05
Stakeholder ecosystem alignment
Active management across designers, engineers, banks, merchants, and partners — keeping a complex multi-stakeholder ecosystem aligned around evidence-led decisions.
V · Results

Six months. Strategic shift, live.

4
European markets covered
1
research operating model — built from zero
5
flows shaped: segments, onboarding, checkout, QR, consent
stakeholders aligned: banks, merchants, partners
Back to start →
KNAB Bank
Fintech · Three-year embedded
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