The HM Treasury already published a draft legislation, removing the exemption for short-term interest-free credit, placing BNPL under full consumer credit style supervision. and under the Consumer Duty framework. BNPL providers will have to demonstrate that they carry out proportionate affordability assessments before granting credit, provide clear and upfront information about payment amounts, due dates, total repayment, and the consequences of missed payments. Third-party p

Both of the Moving Money - How Banks Think and the CPayO - Chief Payment Officer - The Role Which Doesn't Exist (but should!) are now listed in the FinTech Book Club Library, alongside some of the most globally recognised titles in the industry. These books are the 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 unnecessar

Viktoria Soltesz was recently interviewed by David van der Plicht from E-Flow on the Let’s Talk Payments podcast, where they discussed why payment and banking strategy has become one of the most ignored business risks today. During the conversation, Viktoria spoke about how many companies still focus only on tax, legal setup or costs, while completely ignoring how banks and payment providers actually think. Just because a structure is legal, it does not mean that banks will w

The Soltesz Institute has been named Best Payment & Banking Education Provider 2026 at the Business Excellence Awards 2026, a programme that recognises organisations driving measurable impact, innovation, and industry progress. This recognition reflects a clear shift in how businesses approach payments and banking. What was once treated as a back-office function now defines growth, risk, and operational stability across global companies. Viktoria Soltesz, Founder of The Solte

How Technology Is Changing the Fight Against One of the Biggest Financial Crimes by Andrea Frosinini and Viktoria Soltesz Trade-based money laundering (TBML) is one of the most significant and difficult-to-detect threats in global financial crime where criminals use the complexity of international trade to move illicit funds on a large scale. Every day, trillions of dollars in goods cross borders through complex documents and multiple jurisdictions, giving criminals an effect

Visa recently introduced a requirement for domestic e-commerce transactions in Belgium, Luxembourg, and France, mandating that merchants include specific identification data in both authorization and clearing messages. For Belgium and Luxembourg, this means the Tax Identification Number, and for France, the SIRET number. At first glance, this appears to be a simple technical adjustment but this assumption is exactly where most businesses go wrong. If this data is missing or