The Tragedy of Fragmented Expertise: Why Your Fintech Will Fail (And Why Your CTO Probably Won’t See It Coming)

November 30, 2025

Your payment engineers and compliance lawyers are having the same conversation on repeat, and neither understands what the other is saying. Three meetings later, nothing's shipped and you're bleeding money on coordination. This isn't a communication problem, it's structural: payment scheme expertise cannot exist in silos. You need someone who reads regulations and designs compliant auth flows. These people are rare but if you can't hire one, you'll watch specialists talk past each other while velocity collapses and regulators circle. Read on for how to mitigate the damage when integrated expertise isn't an option.

Privacy-Preserving Verification: How KYC-Integrated Payment Systems Can Transform Commerce

November 21, 2025

Every time you show your ID to buy alcohol or prove you're a resident for a discount, you're revealing private info that the merchant to answer their simple yes/no question. Here's a thought: your bank already has this information through KYC processes. What if your payment device could simply confirm these facts during the payment itself without exposing any of your personal details?

PSD2: POS Consumer Scans are Still Remote

November 4, 2025

Whenever a payment is initiated via consumer scan, such as a mobile app scanning a QR code, the payment is considered "remote" according to PSD2 even when the consumer is physically at the merchant's location which is considered a "card present" context for card payments. As a result, certain regulatory considerations come into play, such as dynamic linkin of authorization codes.