In this episode of Cards Against Complexity, recorded live at FIBE Berlin, we dive into the evolving landscape of financial services with Aiga Senftleben, co-founder of Billie.Aiga shares her personal journey from a traditional legal career to shaping one of Europe’s leading B2B Buy Now, Pay Later (BNPL) fintechs. Billie’s business model centers around enhancing B2B transactions by offering the flexibility and convenience familiar from consumer checkout experiences — a major shift in how businesses manage payments.

Key Takeaways:

• Career Transformation:
Aiga discusses how her background as a lawyer and her in-house experience at PayPal prepared her to co-found Billie, emphasizing how fintech offers legal professionals the opportunity to influence product development and navigate complex regulatory landscapes.

• Billie’s Pivot and Business Model:
Originally a modern factoring service for small businesses, Billie evolved into a scalable B2B BNPL solution embedded directly into the checkout process — improving payment flexibility and user experience for merchants and buyers alike.

• Lessons in Building B2B Fintech:
Aiga shares insights on the realities of long sales cycles in B2B financial services, the importance of customer-centric product development, and why trust, fraud detection, and high acceptance rates are crucial competitive advantages in the B2B payment space.

This episode offers a practical look at how customer needs, regulatory expertise, and technology innovation are reshaping B2B payments in financial services — and what it takes to build a fintech like Billie from the ground up.