Payments

Open Banking API Reliability: A Benchmark Framework for Fintech Buyers

Headline uptime figures say little about whether a payment completes at checkout. A framework for measuring open banking...

Central Bank Digital Currencies (CBDCs) Explained: Retail, Wholesale, and the Race to Digital Cash

Central bank digital currencies are sovereign money in digital form. Here is how retail and wholesale CBDCs work, and wh...

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...

How Payment Orchestration Works: Architecture and Trade-offs

A technical guide to payment orchestration: routing, tokenisation, retries, reconciliation, cost modelling, and the buil...

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 exac...

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 ...

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 ...

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...

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...

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 ...

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...

Stablecoin Settlement for Banks: Cost, Regulation and Risk