Though once dominated by monolithic systems accessible only to companies with substantial IT budgets, accounting management software now comprises a broad selection of SaaS tools for businesses of all sizes. Advancements in financial technologies, such as API integrations, Open Banking protocols, and data aggregation tools, have paved the way for end-to-end automation of specific processes […]

This post is the first installment of a series where we discuss quality at Powens. In this one, we’ll dive into our anomaly prioritization framework. Once upon a time, there were bugs Most engineers would agree that there’s no such thing as a perfect machine – especially in the software industry. Bugs are here and […]

For five years now, we’ve been witnessing budget and wealth management apps enter the mainstream. Finary in France, Plum or Emma in the UK, and YNAB or Cleo in the US now gather tens of millions of active users. More importantly, the level of knowledge those companies have collected about their customers is enormous – […]

Is it truly a new year without a wave of new regulatory obligations? 2025 has brought significant shifts to the fintech landscape, with an increased emphasis on digital security, consumer protection, and streamlined operations. As financial services evolve, EU regulators aim to ensure that transparency, accessibility, and security are at the forefront. Here’s a breakdown […]

Over-indebtedness has reached a critical point in France. In 2024, 134,803 cases were filed with local over-indebtedness commissions across mainland France, marking a 10.8% increase compared to the previous year (source). Behind these alarming numbers are often hidden human stories: families overwhelmed by unavoidable expenses, unforeseen events that disrupt financial stability, and a glaring lack […]

Our first product release of 2025 is here, focusing on enhancing fraud prevention and expanding our payment solutions. Introducing New Data Insights  We’re enhancing our Open Banking services with new transaction indicators in France to help businesses make faster, more informed credit decisions. It allows precise insights on a user’s financial situation and behavior (e.g. […]

Cashback programs are growing rapidly across Europe as consumers shift towards immediate financial benefits over traditional loyalty schemes. The market is on track to grow significantly, with spending expected to more than double from US$57 billion in 2023 to US$115 billion by 2029. This growth is fueled by the demand for easy-to-use, automated solutions that […]

We’ve witnessed many advancements in payment technology over the last year, along with heightened regulatory attention on the industry. Below, we give insights into four key trends carving a new path toward transaction efficiency and security, and how to leverage these shifts for business growth in 2025.     1. Real-time payments Real-time payments have taken […]