Insights
Deep dives into fintech architecture, regulatory frameworks, and emerging technologies shaping the future of financial infrastructure.
Wero: How 16 European Banks Are Building the European Answer to Visa and Mastercard
EPI bet hundreds of millions of euros on consolidating Europe's fragmented mobile payments. By 2026 Wero has 53 million users, four absorbed national champions, and a clear roadmap to e-commerce and POS. Here is how it actually works and what it changes.
BLIK: How Poland Built Its Own Payment System and Why Europe Is Now Paying Attention
2.9 billion transactions, 21 million active users, and a quiet European payments revolution led by six banks who decided to share infrastructure instead of competing on it.
CASP Licensing in Europe: A Country-by-Country Guide (2026)
Where to authorise, what it costs, how long it takes, and where the local quirks bite, Germany, France, Italy, Spain, Netherlands, Lithuania, Poland, Malta, Cyprus, Ireland.
PSD3 and PSR: The End of PSD2, the Beginning of a New Payments Era in the EU
What's changing, why, when it takes effect, and what it means for the market.
How Europe Pays With a Link: Open Banking in Practice
Tikkie, Bizum, Swish, Vipps, Wero - a single model of link-to-pay built on Open Banking is becoming the European payment standard.
Digital Product Passport on Blockchain: A Digital Identity for Every Product
The EU is mandating verifiable product histories. Here's why blockchain is the only infrastructure that makes Digital Product Passports trustworthy at scale.
EU Crypto Market Under MiCA – April 2026 Status Report
199 licensed CASPs, 23 countries, zero ART issuers – a data-driven snapshot of MiCA adoption based on ESMA registers.
CASP Regulation in Europe under MiCA: A Comprehensive Guide
Everything fintechs and startups need to know about Crypto-Asset Service Provider licensing, obligations, and opportunities under MiCA.
PSD2 and Open Banking – Unlocking Innovation in Financial Services
How Europe's Payment Services Directive reshaped financial services, enabled fintech innovation, and empowered consumers.
PSD3 and Open Finance – Navigating the Next Wave of Digital Finance
How PSD3 and the Open Finance framework will transform financial services beyond open banking.
Meet Binar at ICE Barcelona 2026
Join Mirek Kula at the world's largest gaming and iGaming event - Fira Barcelona Gran Via, January 19–21, 2026.
MiCA 2025: EU Crypto Market Snapshot
Licensing landscape across 21 European countries - CASPs, EMT issuers, and market structure as of January 2025.
Cross-Border Payments: SWIFT vs Blockchain Rails
A technical comparison of traditional correspondent banking and emerging blockchain-based payment networks.
AI-Powered AML: Beyond Rule-Based Systems
How machine learning is transforming anti-money laundering compliance in financial institutions.
Tokenization of Real-World Assets: Architecture Patterns
How successful RWA platforms actually work under the hood - from securities to real estate.
EMI Licensing in Europe: A Strategic Guide
Navigating the Electronic Money Institution licensing process across different EU jurisdictions.
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