What was said
What this says
As at Fri 9 Oct 2026Discovery call with Ankeveen Betaaldiensten. Merchant onboarding answers take most of a day. The CFO wants written answers on audit trail and data residency before any sign-off. Decision date held at 23 Mar 2026.
What happened: Matteo Ricci ran discovery with Yara Mulder and Erik Willems. Yara described merchant payout questions that need four screens and three sources, sometimes taking most of a day.
Customer view: Yara is nervous about the regulator's audit trail of who looked at what. Erik asked for a number first and wants the written version before any sign-off.
Commercial: The deal figure quoted was £62k for Growth (several teams, forty users, eight connectors). Matteo has not confirmed whether the implementation fee is inside it. The expected decision date is 23 Mar 2026.
Watch: Audit logging was left to the solutions team, and EU residency (a dedicated add-on) is unconfirmed. These are open commitments in writing, and the call shows no outcome beyond them.
Themes
As at Fri 9 Oct 2026Who was there
BG-Demo
Them
Follow-up
Next steps
As at Fri 9 Oct 2026- Matteo Ricci to send written confirmation on audit trail, residency and the implementation fee the next day.
- Bring the solutions team into the next session.
- Yara Mulder to send the four onboarding screens and three data sources.
Risks
As at Fri 9 Oct 2026- The audit trail requirement is unanswered and the solutions team has not yet confirmed what B-Viz can log.
- The CFO will not sign off without written confirmation on data residency and access.
- It is unconfirmed whether the implementation fee sits inside the Growth figure.
Opportunities
As at Fri 9 Oct 2026- Growth tier scope could extend to compliance if the audit trail question is answered.
- Dedicated EU data residency is a possible add-on.
Transcript
- Matteo RicciGood morning Yara, good morning Erik. Can you both hear me clearly?
- Yara MulderMorning Matteo. Yes, I hear you. Erik is on the other line, he'll join in a second.
- Matteo RicciPerfect, I'll wait. Let me restate the timeline so we're aligned. Our expected decision is Monday 23 March 2026, and before that I'd like discovery done properly. Is that still right?
- Yara MulderYes, that's right. Erik, are you there?
- Erik WillemsI'm here. Sorry, I had a board pre-read. Go on.
- Matteo RicciThank you, Erik. Over the next forty minutes I'd like to understand where the friction is, and what it costs.
- Yara MulderMerchant onboarding is where we'd start. The data comes from three places, and when a merchant asks why a payout is held, the answer takes too long.
- Matteo RicciHow long, roughly? I'd rather measure than guess.
- Yara MulderHonestly, sometimes most of a day. The team reads four screens to answer one question.
- Erik WillemsAnd what does that cost us? I need a number before I take this to anyone.
- Matteo RicciFair. The figure on the deal is £62,000 for Growth, which covers several teams, forty users and eight connectors. I'll confirm in writing whether the implementation fee is inside it.
- Erik WillemsGrowth. Several teams. Does that mean compliance too?
- Matteo RicciPotentially. I don't want to overpromise. What does your regulator need to see from the answer, Yara? That will shape the scope.
- Yara MulderThey want an audit trail of who looked at what. Honestly, that's the part I'm nervous about.
- Matteo RicciThen I'd rather you heard it from me now. BG-Demo answers from your own data, and what we can log is a question for our solutions team. I'll bring them into the next session and confirm it in writing.
- Erik WillemsGood. Next question. Where is the data held, and who can see it?
- Matteo RicciBG-Demo is built and run inside your own Snowflake account. EU residency is available as a dedicated option. I'd like to confirm the detail with our team before I say more.
- Yara MulderOkay. Erik, are you satisfied with that for now?
- Erik WillemsFor now. I want the written version before any sign-off.
- Matteo RicciOf course. Let me confirm that in writing. Shall we agree the list of onboarding screens?
- Yara MulderYes. I'll send you the four screens and the three sources.
- Yara MulderQuick one, Matteo. Does the onboarding view work the same way for the smaller merchants?
- Matteo RicciI'd expect so, but I'll confirm it in writing rather than tell you from memory.
- Matteo RicciRight, let me pull the next steps together. I send the written confirmation tomorrow, the solutions team joins the next session, and we hold the decision date.
- Erik WillemsOkay. Thank you. I appreciate the candour.
- Matteo RicciThank you both. Speak soon.
- Yara MulderThanks Matteo. Bye.