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Chris Holmes

Chris Holmes Managing Director at PayTech Consulting

Authorised Signatory Management: The unsung hero of financing efficiency and risk control

In today’s dynamic financial environment, securing optimal financing terms and maintaining strong relationships across the funding ecosystem can prove challenging. Credit strength is very important, but so too are factors such as operational integrity. One of the most critical yet underutilised levers in achieving this is Authorised Signatory Mana...

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Semantics and standardisation revisited

General-purpose EUBWs will make it easy to exchange all sorts of data between organisations - APIs without need for technical integration and contracts. WeBuild has established a Semantics group to get the full standardisation - automation benefits - from the wallet rollout. I had to ask ChatGPT for an update on semant

/ai /identity Artificial Intelligence and Financial Services

Akshar Prabhu Desai

Akshar Prabhu Desai Payments engineer

Credit Card Tokenization Explained

Credit card tokenization has evolved over time. Tokenization has made credit cards safer and more efficient for merchants, consumers and banks alike. In this article, I explain the different types of tokenizations. What is tokenization ? The physical credit card has certain information that is consider a sensitive information. For example the car...

/security /cloud

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

All organisations need wallets - and wallets need a critical mass of verifiable credentials.

Why? To be able to use these general-purpose applications (branded EUBWs) for exchanging verifiable credentials of all sorts with each others - be they customers, suppliers, partners, public sector units, staff - and their wallet carrying AI-agents and robots. By renaming - at least for newish aspects - the verifiable credentials to verifiable c...

/ai /identity Innovation in Financial Services

David King

David King CTO at Flywire

The Role of AI in PCI assessments

Earlier this year, the Payment Card Industry Security Standards Council (PCI SSC) released its guidance on how Artificial Intelligence (AI) can be used in PCI Assessments. As a member of the PCI SSC Board of Advisors, I wanted to highlight some of key themes coming out of that guidance. You can also view the full guidance document here. AI’s grow...

/payments /regulation

Carlo R.W. De Meijer

Carlo R.W. De Meijer The Meyer Financial Services Advisory (MIFS) at MIFSA

European Commercial banks and the Digital Euro: Inaction not an option

A lot has already been written on the launch of a digital euro. The ECB is continuously talking about the urgent need of it and the various benefits it could bring, including improved payment efficiency, greater financial inclusion, and increased resilience of the financial system. But what is important is how to involve banks in this project. Com...

/crypto Blockchain Observations

Kanchan Mishra

Kanchan Mishra CEO at SustainoMetric

Pressure and Purpose: How Sustainability NGOs are Proving Their Value in a Hostile Climate

For decades, non-governmental organizations (NGOs) have been the primary force pushing sustainability onto boardroom agendas. They have worked tirelessly to frame environmental and social governance not just as a matter of reputational risk or strategic importance, but as a fundamental component of value creation and societal benefit. From advanci...

/sustainable /markets Women in Finance

Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

The Impact of Mobile Banking on SACCO Growth and Member Satisfaction

Did you know that over 60% of Africa’s adult population still lacks access to formal banking services? For millions of people, SACCOs remain the first and often the only bridge to financial inclusion. But here’s the catch: traditional SACCO systems are no longer enough to meet the rising expectations of members. And your members want speed, tran...

/retail /inclusion

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Navigating the Future of Payments: A Guide for Key Players

A New Era in Payments The global payments industry, a sector generating an astonishing $2.5 trillion in annual revenue (in 2024), is at a turning point. The long-standing pursuit of a single, universally efficient system is giving way to a new era defined by competition among diverse market systems, each with its own rules and technologies. This t...

/payments Innovation in Financial Services

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Saying Goodbye Well: Why Customer Offboarding Deserves Attention

Enormous investments have gone into optimizing the customer onboarding process. Fintechs have led the way in creating real-time, frictionless onboarding experiences that not only establish a customer relationship and open the necessary accounts but also handle all required KYC due diligence. For fintechs, whose survival often depended on rapid gro...

/regulation /retail Banking Strategy, Digital and Transformation

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