At a glance: In 2026, new and updated EU regulations reshape fintech across payments, data, AI, credit, cybersecurity, AML, invoicing, and crypto.  The nine key EU fintech regulations in 2026 are: PSD3/PSR, IPR, FiDA, CCD2, DORA, AML, the EU AI Act, MiCA, and national e-invoicing mandates. They raise compliance standards, harmonize rules across Europe, boost […]

At a glance: EBICS: Widely used protocol in France/Germany, but batch-based, maintenance-heavy, and slower to scale across multiple banks. Open Banking/AIS: Near real-time data, EU-wide bank coverage via a single API, with consent renewals every ~180 days. Enhanced AIS: In France, financial and accounting software vendors often combine AIS with PSP connections and attachments for […]

Since coming into force in January 2025, the DORA regulation (Digital Operational Resilience Act) has been a key part of a series of European measures focused on digital finance. This regulation creates a global regulatory framework for IT operational resilience and the cybersecurity of financial entities, including banks, insurance companies, and investment firms, as well […]

If you’re building an app that relies on Open Banking, your users need to connect their bank accounts. But not everyone completes that journey – and that drop-off hurts your conversion rate, your UX, and ultimately your business model. That’s where A/B testing comes in. It allows you to split traffic and test different versions […]

Handling property management payments can seem like a simple task to the untrained eye. Just rent out living space to qualified tenants and collect their rent payments every month through a digital portal. But anyone dealing with rent management and payment reconciliation at a larger scale knows better.  The reality is that a sizable chunk […]

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 – […]