Insights
Thought leadership in financial technology
Expert perspectives on core banking transformation, payments infrastructure, AI strategy, and digital change in financial services.
Regulatory ComplianceRegulation and policy for low-value rails: what to watch and how to act
Discover the strategic implications of ISO 20022 regulatory low-value payments for harmonised implementations across Europe and beyond.
Banking TechnologyThe low-value playbook: migrate without losing a millisecond
Card systems have lived for decades on ISO 8583. That standard still works, but it is flat, overloaded and requires custom extensions.
PaymentsISO 20022 for low-value payments: data that scales with your volume
Discover the potential of ISO 20022 low value payments to improve data quality and reduce costs in high-volume transactions.
Banking TechnologyThe True Cost of Legacy Systems: A Deeper Dive into Banking IT Modernisation
Banks are underestimating the total cost of ownership (TCO) of legacy core systems by up to 80%. This in-depth follow-up to “The True Cost of Legacy Systems” uncovers the hidden costs driving inefficiency, outlines proven modernisation strategies, and shares case studies where TCO fell by up to 52%.
Banking TechnologyTrue Cost of Delay: TCO, Data Volume, Competitive Edge, and Customisation in Legacy Banking System Modernisation
The message is clear and urgent: banks that delay modernisation are not just accruing technical debt, they are actively eroding their own competitiveness and increasing future costs. The TCO of legacy systems is a moving target, driven ever higher by maintenance, customisation, integration, and above all, the relentless growth of data.
PaymentsThe Future of Card Payments: A Comparison of ISO 8583 and ISO 20022
ISO 8583 is a well-established messaging standard for card-originated financial transactions. ISO 20022 is a more recent standard that aims to provide a comprehensive and flexible messaging framework for the financial industry.
Banking TechnologyWhy Rust is gaining popularity
Rust is gaining popularity due to its unique combination of performance, safety, and developer-friendly features. It’s a systems programming language designed to offer memory safety without the overhead of garbage collection.
Fintech StrategyExploring Business Models of Software Companies
IT software companies can adopt various business models based on the services and products they offer, their target market, and revenue generation strategies.
Banking TechnologyEnterprise Architecture, Solution Architecture, System Architecture – What are the differences?
Three important types of architectures are Enterprise Architecture (EA), Solution Architecture (SA), and System Architecture (SysA). Although these terms are often used interchangeably, they have distinct differences and purposes.
PaymentsBuy-Now Pay-Later (BNPL) explained
Buy-Now Pay-Later (BNPL) is a payment option that has grown in popularity in the UK over the past few years. It allows consumers to purchase goods and services upfront, and pay for them in instalments at a later date.
PaymentsWhat is ISO20022
ISO 20022 is the new ISO standard. It was developed and is maintained by ISO/TC 68, the ISO technical committee responsible for standardisation in the field of banking and other financial services.
Artificial IntelligenceArtificial Intelligence in BankTech
The Bank of England and the Financial Conduct Authority released their new final report on the Artificial Intelligence Public Private Forum in February 2022.