From One Market to Many: Building Fintech for Real-World Complexity with Florence Heyworth of Wise
August 28, 2026
What happens when a product that works perfectly in one market meets a completely different version of reality?
In the first episode of Software vs Real Life, we sit down with Florence Heyworth, Senior Product Manager, Assets at Wise, to talk about what it really takes to scale financial products internationally.
Drawing on her experience at Wise and Visa, Florence shares why expanding into a new market is about far more than translation and localisation – from regulation, tax and banking infrastructure to operational realities and stakeholder management.
We also discuss why trust doesn’t automatically travel across borders, when to adapt versus rebuild, and why some of the hardest things to internationalise have very little to do with the software.
About Software vs Real Life
Software vs Real Life is a conversation series about the gap between how software is supposed to work and what actually happens when it meets the real world.
We speak with product leaders about the unexpected behaviours, local realities and wonderfully unpredictable circumstances that challenge the assumptions behind the products we build — and what those moments can teach us about building better software.