In the next five years, Pay by Bank, a type of account-to-account (A2A) payment powered by Open Banking, will become as accessible as card payments. Juniper Research predicts that the number of A2A payment users will grow by 83% between 2025 and 2030. Analysts state this growth will be driven by key advantages like lower […]

At a glance: Formance and Powens have formed a strategic partnership connecting Formance’s programmable core ledger to 2,000+ European banks via Powens’s open banking infrastructure. The integration enables automated transaction synchronization, real-time reconciliation, and unified financial data across banking accounts directly within the Formance ledger. Key use cases unlocked include omnibus account management, multi-provider reconciliation, […]

At a glance: This alliance enables automatic verification of users’ identity and financial standing by connecting, with their consent, their banking data in a matter of seconds. This integration reduces friction, eliminates manual processes, and strengthens regulatory compliance in sectors such as banking, insurance, and real estate. Signaturit Group, a leading provider of electronic signatures, […]

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 […]