Finance is the language of
business
Get your finances in order. Now.
About Viktoria Soltesz
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Founder and CEO of the independent payment and banking consultancy, the PSP Angels Group
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20+ years in banking, payments, tax, and finance
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Author of the bestselling book "Moving Money - How Banks Think"and "The CPayO " - both available on all Amazon stores
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Developed the Soltesz Payment Framework
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EU accredited Trainer and lectured in the University of West London
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Established the Soltesz Institute, the leading, independent certification body for the payment and banking industry
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Specialised in complex and challenging cases
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Moving Money
How Banks Think
This book is a must have for every business.
Focusing on perfecting the product, competing for new markets, or spending millions on marketing is all known to be necessary. But in the meantime companies might be paying unnecessary banking fees and facing shocking operational risks, without even knowing it!
Planning for banking and payments are often overlooked, and this can be a very costly mistake. We all use payments in our everyday lives. But the details of how that money moves, or how different payments actually work, are completely unknown to most of us.
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Knowledge is power - if we understand the reasons and mechanisms of banking, we can assess risks and evaluate costs better by making informed decisions.
You would be surprised how easy, yet how effective this can be!
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As a payment expert, I will show you how 'banks think'. I will explain all the reasons behind those confusing banking decisions. I will show you how the history of banking has brought us to where we are today. I will share real life stories and struggles, which will help you to understand this complex landscape. I will guide you on what to do, what to avoid, and who to trust.
I will show you how to move money - safer and cheaper.
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Moviendo Dinero
Cómo piensan los bancos
Este libro es un imprescindible para cualquier negocio.
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Centrarse en perfeccionar el producto, competir por nuevos mercados o gastar millones en marketing es algo que todos sabemos que es necesario. Pero, mientras tanto, las empresas podrían estar pagando comisiones bancarias innecesarias y enfrentando riesgos operativos sorprendentes, ¡sin siquiera saberlo!
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La planificación bancaria y de pagos suele pasarse por alto, y esto puede ser un error muy costoso. Todos usamos pagos en nuestra vida diaria. Pero los detalles de cómo se mueve ese dinero, o cómo funcionan realmente los distintos tipos de pagos, son completamente desconocidos para la mayoría de nosotros.
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El conocimiento es poder: si entendemos las razones y los mecanismos de la banca, podemos evaluar mejor los riesgos y los costos, tomando decisiones informadas.
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¡Te sorprendería lo fácil y, a la vez, lo efectivo que puede ser esto!
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Como experta en pagos, te mostraré cómo "piensan los bancos". Explicaré todas las razones detrás de esas decisiones bancarias que tanto confunden. Te mostraré cómo la historia de la banca nos ha llevado hasta donde estamos hoy. Compartiré historias reales y desafíos que te ayudarán a entender este complejo panorama. Te guiaré sobre qué hacer, qué evitar y en quién confiar. Te enseñaré cómo mover el dinero, de forma más segura y económica.
The CPayO
The role which doesn't exist (but should)
Every company has a CFO, a CTO, and a COO - yet one of the most critical roles is still missing. Payments and banking touch every part of a business, from customer experience to risk management, yet no one is truly responsible for it at the executive level.
This is where the Chief Payment Officer (CPayO) comes in. The role doesn’t officially exist, but it should. Without it, companies are exposed to hidden costs, blocked growth, and operational vulnerabilities that executives rarely see until it’s too late.
The CPayO book reveals why this role is essential, what it covers, and how companies can transform their entire organisation by treating payments and banking as a core function of strategy, not just an afterthought in finance. Recognising the need for a CPayO is the first step toward building stronger, safer, and more profitable businesses.
Services
Providing expert solutions for all challenges
Banking and payment consultancy
Education and Trainings
International fund movements & complex cases
Group structures
Accounting, internal and external audits
Global tax planning
Papers & publications
This paper argues that all past systems of governance, from feudalism to democracy, failed due to human flaws like greed and corruption. It proposes AI as the next step, able to make rational, data-based decisions without personal interests. With ethical oversight, AI governance could bring fairness, efficiency, and stability beyond what human-led systems achieved.
This paper argues that payments and banking are no longer back-office functions but critical infrastructure requiring executive accountability, yet remain fragmented across departments without ownership. It introduces the Chief Payment Officer (CPayO) as a structural necessity to consolidate responsibility, reduce hidden costs, manage risk, and build resilience, with case studies showing that the absence of this role directly leads to lost revenue, frozen liquidity, and collapse.
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