Roughly 150 million people receive salaries directly into their bank accounts. Annual wages are more than $11.7 billion dollars, and this huge amount is also predictable; it arrives in a steady cycle that shapes the daily liquidity of thousands of financial institutions. Payroll is a dream for banks: salary deposits are huge, low risk, and tie customers to their banks for years. But stablecoin rails all of a sudden interrupt this pattern because they settle instantly and redi

International payments still rely on old systems full of gaps, guesswork, and missing sender details - this creates a huge risks for companies to move money across borders every day. The transition to ISO 20022 forces every business to face a new digital structure where incomplete data can trigger frozen accounts and serious operational losses. Stablecoins and traditional banking today work side by side, but if a business fails to understand how these channels interact, they

Everywhere we look today, new payment providers or neobanks seem to appear overnight, each promising faster onboarding, lower fees, and better technology. Most companies offering banking or payment solutions today are not based on real user or business needs but rather on the lack of knowledge that users have about how payments and banking actually work. FinTech is business and their sales teams are trained to sell functions which businesses either won’t need or could get els

Viktoria Soltesz , the Founder of the Soltesz Institute had a chat with Reagan Cook , a Digital Asset Compliance Expert at TaxBit . The discussion was highlighting what digital asset information reporting really means for Web3 companies, exchanges, payment providers, and traditional financial institutions that already touch crypto in one way or another. The conversation walked through the new global rules around CARF and DAC8, the practical burden on finance and technology t

Operation Chargeback uncovered one of the most extensive international fraud structures in recent years, and the scale of the case created headlines across the world. The investigation brought together Europol, Eurojust, and law enforcement from multiple countries, with the final coordinated action revealing a criminal network which moved hundreds of millions of euros through shell companies and fake subscriptions - using their highly professional and advanced payment knowled

Jevons Paradox was introduced by William Stanley Jevons, an English economist, in 1865. He observed that technological improvements that increase the efficiency of using a resource often lead to an overall increase in the consumption of that resource, rather than a decrease, which was an observation that went against common logic. A similar pattern is happening now with FinTech applications, especially those available through mobile platforms. Faster, cheaper, and easier paym