Demis Estabridis — AI products for payments, built and adopted

payments × AI · Munich

Demis Estabridis.

I work both sides of AI: I build the products, and I get organizations to actually use them. 15+ years in banking, payments & fintech.

SEPA Request-to-PayA2A / instant paymentsOpen BankingCBDCdigital walletsmobile payment SDKsInstant Payments Regulationpayment UX · SCA

01 — about

Product Manager, four-time founder (one exit), and for 7+ years a payments product leader in Munich. Today I build AI products for banking apps that millions of people use to pay. What holds it all together: the moment money moves — for my users I want it simple, invisible, safe. For real, and in how it feels. I love travelling, and finding inspiration in how people pay in every country I visit.

02 — education & credentials

  • MBA · 1 of 3 President's Award nominees of 66ESMT Berlin · 2018
  • Agentic AI System Design for PMsMaven · 2026
  • Accredited Payments ExpertEuro Banking Association · 2025
  • Big Data & Social AnalyticsMIT · 2016
  • B.Sc. Systems EngineeringUniversidad de Lima

03 — contact

Working on
payments and AI?
Let's talk.

Always up for exchanging notes on AI adoption, payment rails and EU regulation · Munich

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# demisestabridis.com