TL;DR
Five quietly compounding trends will open real procurement in 2026: Instant Payments + “name check,” B2B e-invoicing, EHDS health data plumbing, EU Digital ID wallets, and data-space/Digital Product Passport builds. Each is anchored in hard deadlines or regulations—perfect for delivery-led Ukrainian vendors.
It’s already September 2025, and we’re well into planning next year’s endeavors. At HUSPI, we’re big fans of projects with real outcomes and clear checkmarks—things that ship, get adopted, and stick – things that work in an understandable way (sorry, quantum, we’ll get to you a bit later). And that’s exactly what the German market rewards.
One of the advantages of Ukrainian teams is that we’ve got a lot of experience – both from the user side as well as the development side – in turning regulatory, data, or interoperability things into the “done” category. While the economic side of our country isn’t stable due to the war, we didn’t pause the innovations, and, in some ways, we are pushed to adapt and innovate faster than our colleagues from more peaceful countries. And, with our Polish side of the company, we also bring in the stability needed, balancing innovations and trust.
Why this matters for our clients (and us):
- Deadlines create budgets (and pilots).
- Under-the-radar trends mean less noise and faster wins.
- Our strengths—KYC/AML, FHIR, payments, data security—line up perfectly with what Germany needs next.
With that, here are our five quiet bets for 2026—and how to turn them into practical, revenue-backed projects.
Instant Payments’ “Verification of Payee” (IBAN-name check) goes mainstream
What’s changing: The EU Instant Payments Regulation phases in through 2025–2027. In the euro area, providers must support sending instant payments and “Verification of Payee” by 9 Oct 2025—with broader obligations continuing into 2027. That means 2026 is the year banks/PSPs industrialize fraud-prevention UX and APIs. (European Central Bank)
Why it’s underrated: Most product teams shipped the rail; fewer have production-grade name-match services, decisioning, and dispute tooling.
UA IT edge: Deep experience with real-time risk, ISO 20022, and PSD2/AML stacks translates directly to German banks/fintechs needing VoP, alerts, and reconciliation layers.
Build ideas for 2026: VoP microservice + fuzzy-match engine; real-time fraud signals; SME treasury widgets that surface instant-cash positions (bank-agnostic).
Germany’s B2B e-invoicing shifts from “can receive” to mass enablement
What’s changing: Under the Wachstumschancengesetz, all businesses must be able to receive EN-16931 e-invoices from 1 Jan 2025; issuing becomes mandatory in phases (2027 for larger firms, 2028 for all). 2026 is the integration year: ERP mapping, Peppol connectivity, validation, and AR/AP automation. (European Commission)
Why it’s underrated: Many SMEs still rely on PDFs and email (or snail mail, in case of some organisations). The lift sits in connectors, validation, and workflow change—not hype.
UA IT edge: Strong ERP/SAP adapters, Peppol gateways, and invoice data QA gained across EU projects.
Build ideas for 2026: EN-16931 validator + Peppol gate in one package; SAP ECC/S/4 add-ons; supplier onboarding portal with status & exception handling.
Health data plumbing: EHDS + ePA become real projects
What’s changing: The European Health Data Space (Reg. (EU) 2025/327) entered into force on 26 March 2025; Germany also moved ePA (electronic patient record) to an opt-out model, with a nationwide rollout from 29 April 2025. 2026 brings secondary-use access bodies, consent/audit flows, and FHIR interoperability at scale. (Public Health)
Why it’s underrated: Headlines focus on policy; the work is connectors, consent logs, de-identification, and audit-ready data trails.
UA IT edge: Proven FHIR adapters, telemedicine backends, and privacy-by-design implementations.
Build ideas for 2026: FHIR gateway + consent registry; pseudonymisation pipeline for research use; clinician-friendly ePA viewers and patient apps.
Our team has niche experience in integrating with HL7 and FHIR standards for a US-based client that works with hospitals.
EU Digital Identity Wallets (eIDAS 2.0) move from pilots to rollout
What’s changing: The EUDI Wallet framework entered into force in 2024; Member States must offer at least one EU Digital Identity Wallet by 2026, with business acceptance phases following. Germany and its peers are funding new pilots now. (European Commission)
Why it’s under-rated: Payments teams watch SCA; fewer are preparing credential issuance/verification, wallet UX, and cross-border trust lists.
UA IT edge: Strong IDV/KYC orchestration experience + mobile UX; ideal for building wallet-ready flows for finance, public services, and utilities.
Build ideas for 2026: Verifiable-credential issuance/verification APIs; wallet-login for banking & gov portals; employer/student ID pilots with selective disclosure.
Data spaces + Digital Product Passports (DPP) push deeper into supply chains
What’s changing: The ESPR entered into force on 18 Jul 2024; battery passports are mandatory from Feb 2027, and automotive/industrial pilots (e.g., Catena-X) are scaling—pressuring Tier-2/3 suppliers to connect and share PCF/traceability data. Major OEMs are already shipping early passports. (European Commission)
Why it’s underrated: Most attention sits at OEMs; the real gap is supplier onboarding, connectors, and data quality.
UA IT edge: Familiarity with Tractus-X connectors, graph/lineage, and PCF calculators—plus pragmatic integration at SME suppliers.
Build ideas for 2026: “Catena-X-ready” kits (BPN, identity, policy); DPP data mappers; PCF/DPP dashboards for mid-market manufacturers.
Why do these five favor Ukrainian teams?
Regulatory-driven demand → predictable budgets and multi-year programs.
Ukraine’s strengths in API engineering, KYC/AML, data security, and interoperability match the grunt work Germany actually needs delivered in 2026.
Time zone & culture fit with DACH procurement; EU-hosted cloud options ease data concerns. Also, it’s easy to travel to meet with clients.
Conclusion: why this matters to us – and why HUSPI might fit
If you’re a German bank, clinic group, or public-sector partner planning 2026 builds, these “quiet compounders” are exactly the kind of work we like: regulation-driven, integration-heavy, measurable. And it’s where our team already spends most of its time.
What we can put on the table—briefly:
- Fintech/API work: real-time payments and banking integrations, KYC/AML orchestration, and ISO-style data mapping—delivered across EU clients, with German-language docs and workshops when needed.
- Health data plumbing: FHIR/HL7 adapters, patient/clinician apps, and privacy-by-design audit trails – battle-tested on multi-system integrations.
- Portal + workflow builds: service portals and case-management flows that mirror public-sector needs (identity, forms, approvals), with a focus on maintainability.
- Data & AI enablement: analytics pipelines, anomaly detection for fraud/ops, and clear MLOps guardrails.
- Delivery you can trust: DACH-time collaboration, security-first SDLC, and EU-hosting options to match procurement expectations.
No hard sell—just a “here we are.” If you’re exploring Instant Payments/VoP, e-invoicing at scale, EHDS/ePA connectors, EUDI Wallet use cases, or DPP/data-space pilots, we’re happy to compare notes or show a sandbox.
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