Topic hub

Payments

Original analysis of payment rails, open banking, account-to-account payments, embedded finance and settlement economics.

11 articles in this hub

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 ...

The EU's Markets in Crypto-Assets Regulation is the first major attempt to build a comprehensive legal framework for cry...

Buy now, pay later spread from Scandinavian fashion checkout buttons to a global consumer credit product worth hundreds ...

BaaS promised to turn any software company into a bank. The infrastructure exists — but the Synapse collapse exposed exa...

Moving money directly between bank accounts costs a fraction of what card networks charge merchants. The technology exis...

Payment orchestration routes transactions across multiple providers through a unified API. Here's the technical architec...

Embedded insurance is moving from travel sites to B2B software. Here's how the distribution economics work and where the...

A treasurer's guide to stablecoins in 2026: where they earn their place as a settlement rail, where they don't, and the ...

The era of funding every neobank is over. In 2026 the capital is flowing to B2B infrastructure, embedded finance, AI-nat...

Every software platform now wants to be a bank. The infrastructure exists — but the margin, the risk, and the regulatory...