Insights
Thought leadership on European fintech, legal tech, payment infrastructure, and regulatory engineering.
VoP after go-live: tuning match rates, killing false positives, surviving bulk payments
One PSP's first-week data showed >70% match/close-match but 10.4% technical failures. Here is what production VoP tuning actually looks like.
A GBP 48.65m fine, eight years on: what TSB still teaches about migration governance
The FCA and PRA fined TSB GBP 48.65m for the 2018 IT migration failure. The final notices read as a delivery governance textbook. Here is what they say.
The Big Bang That Cost GBP 300m: TSB 2018 read as a delivery post-mortem
The FCA and PRA final notices provide a public-record anatomy of a GBP 300m IT migration failure. This is not hub delivery work. It is public-record analysis, labeled Concept.
GBP 300m+
Total cost
1.9M locked out
Customer impact
The Ten-Second Build: an EMI's instant-sending programme
How an EMI built 24/7 instant-sending operations, ten-second processing windows, and liquidity arrangements ahead of the April 2027 deadline.
Q1 2027
Go-live
< 10s
Processing window
PSD3/PSR status, as of August 2026: what is agreed, what is not yet law, what to build anyway
The Council published final compromise texts on 23 April 2026. PSD3 and the PSR are adopted in principle but not yet in force. Here is what is settled, what is not, and what to build now.
DORA's first enforcement year in numbers: what 3,383 incidents change in your 2027 budget
The ESAs published the first DORA incident report on 3 June 2026: 3,383 major ICT incidents reported by 2,847 financial entities. The data changes how 2027 resilience budgets should be built.
The AI Act timeline moved: Regulation (EU) 2026/1744 and what still applies to banks
The AI Omnibus deferred Annex III high-risk obligations to 2 December 2027. Nearly all published competitor content assumes the old calendar. Here is the corrected timeline.
The 2027 instant-payments wave: what EMIs, PIs and non-euro PSPs owe on 9 January, 9 April and 9 July 2027
Three deadlines in 2027 extend the SEPA Instant obligation to non-euro PSPs, to receiving, and to sending. The ECB's deadline table is the source. Here is what each one requires.