Europe's Payment Stack, Honestly
Instant payments, payee checks, a new rulebook and its own wallet are landing between 2025 and 2029. Whether Europe actu...
Read MorePayments Now Arrive In Seconds. Getting Scammed Money Back Still Depends On Where You Live
Fast payments can cross borders more easily than rules for resolving disputes. Read more
Countries Are Wiring Their Payment Systems Together. Nobody Is Building One Global Rail
Cross-border payments may depend on links between national systems, not one global network. Read more
Payments Got Fast. The Fight Is Now Over Who Controls The Rails
How fast payments, public infrastructure and regulation are reshaping financial competition. Read more
Wero Is Taking Over IDEAL. Europe's Sovereign Checkout Finally Gets Real Volume.
EPI has started moving Dutch online payments from iDEAL to Wero. In Germany, Wero still struggles to win merchants. In t... Read more
Verification Of Payee Is One Year Old. Instant Payments Are Still Testing Europe.
One year after Verification of Payee went live in the euro area, the consumer check works, but corporates are opting out... Read more
Your AI Agent Wants To Move Your Money. Wall Street Said No.
America's largest banks are drawing a hard line around autonomous access to customer accounts. Europe is testing a diffe... Read more
Fintech's Second Act: From Disruption To Infrastructure
Fintech is no longer judged mainly by how well it challenges banks from the outside. It is judged by whether it can run ... Read more
Agentic Commerce Had Its Biggest Launch Month. Nobody Wants To Own The Risk.
Agentic commerce just had its busiest launch month. The data says agents research a lot but still buy very little, and l... Read more
No Big Law Passed This Week. The Rulebook Changed Anyway.
This week's key fintech rules came from supervisors, not parliaments: ESMA's MiCA wish list, a $10bn US stablecoin line,... Read more
Europe Agreed On Its New Payment Rules Ten Months Ago. Not One Of Them Applies Yet.
2026 was supposed to be the year fintech got its new rulebook. Most of it is agreed, delayed or stuck, while the rules a... Read more
Banks Spent A Decade Building Apps. Now The Fight For The Customer Is Back In The Text Inbox.
RCS is turning the humble text message into a verified, app-like channel — and banks are being pushed back into an inb... Read more
Europe's Fintechs Talk About Sovereignty. Most Of Them Still Run On American Clouds.
DORA, the Data Act, a proposed Cloud and AI Development Act, Wero and the digital euro all point in the same direction: ... Read more
EBICS Vs. PSD2: Europe Built Two Bank Interfaces. They Were Never Meant To Compete.
Open banking was supposed to make old bank channels obsolete. Eight years after PSD2, corporates still move their money ... Read more
BlackRock Says AI Agents Will Run On Stablecoins. The Agents Have Not Shown Up Yet.
BlackRock's new paper on the "machine-native economy" argues that autonomous AI agents will need stablecoins and tokenis... Read more