"The choice comes down to whether we will be shaped by events and the world around us or whether we will come together and build our future for ourselves." (1) So said Ursula von der Leyen at the beginning of her speech on 18 July 2024, in which she applied for a second term as President of the European Commission. Taking the future into their own hands - this is exactly what a number of European banks and savings banks are doing with their European Payments Initiative (EPI). In offering the digital wallet wero, they want to provide a standardised solution for all payment transactions across Europe.