Banking Tech
Open Banking Explained: How API-Driven Finance Is Reshaping Banking
Banks held data about their customers but kept it to themselves. Open banking changed the deal: with your consent, that ...
Topic hub
Payments
Original analysis of payment rails, open banking, account-to-account payments, embedded finance and settlement economics.
10 articles in this hub
Payments
How Payment Orchestration Works: Architecture and Trade-offs
A technical guide to payment orchestration: routing, tokenisation, retries, reconciliation, cost modelling, and the buil...
Payments
Account-to-Account Payments Explained: The Challenge to Card Networks
Moving money directly between bank accounts costs a fraction of what card networks charge merchants. The technology exis...
Payments
BNPL Explained: How Buy Now, Pay Later Works — and Who Is Actually Winning
Buy now, pay later spread from Scandinavian fashion checkout buttons to a global consumer credit product worth hundreds ...
Banking Tech
What Is Banking-as-a-Service (BaaS)? Platforms, Players, and Risks Explained
BaaS promised to turn any software company into a bank. The infrastructure exists — but the Synapse collapse exposed exa...
Payments
What Is Embedded Insurance and How Is It Sold? The 2026 Revenue Model
Embedded insurance is moving from travel sites to B2B software. Here's how the distribution economics work and where the...
Startups
Fintech Funding in 2026: What the Latest Data Shows
The latest complete datasets show a 2025 funding rebound with fewer deals, larger cheques, and concentration in digital ...
Crypto & DeFi
Stablecoins for Treasury Teams: A Practical 2026 Guide
A corridor-by-corridor guide to stablecoin payments for treasury teams, using Bank of Italy cost evidence and a controll...
Payments
B2B Embedded Finance in 2026: Unit Economics and Risk
A sourced guide to B2B embedded-finance economics, regulated partner structures, Synapse lessons and a downloadable scen...
Crypto & DeFi