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Sebastien Marchon

Sebastien Marchon CEO at Rydoo

The unlucky 90%: why do startups fail?

After more than 10 years in the European tech scene, first as a founder and now as a scale-up leader, I’ve seen both sides of the startup journey. At Rydoo, we started with a clear vision and a commitment to solving real challenges for businesses. We learned that success is shaped far more by hard-won lessons than by luck. Luck is only a small par...

/payments /startups Fintech innovation and startups

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Without organisation wallets not much will happen for citizens - and not enough for AI-agents

Key takeaways from the Netherlands Regulatory Backbone — EUBW supports eIDAS 2.0, GDPR, CSRD, and data space frameworks, ensuring verifiable business identities and access control. Cybersecurity & Cyber Warfare Resilience — Strengthens Zero Trust security, mitigating risks of fraud, identity theft, and cyber warfare attacks on critical infras...

/retail /identity Artificial Intelligence and Financial Services

Ankur Rawat

Ankur Rawat Director – Banking Products and Solutions at Newgen Software

How AI and ML are Redefining Risk Management in Financial Services

Introduction The most destructive risks are those that happen in our blind spots, unnoticed until the damage is done. This reality has become increasingly grim for financial services. Institutions face rising penalties for misconduct while facing an explosion of new threats from evolving regulatory frameworks to sophisticated cyber attacks. In thi...

/ai

Goutham Bandapati

Goutham Bandapati Sr. Cloud and AI Architect at Microsoft

The Millisecond Myth: Why AI Reliability Isn't About Network Speed

Deploying AI workloads often sparks debates about network latency versus inference speed. With the rise of distributed architectures, teams wrestle with choosing between standard, zonal, and global deployments. In this opinion piece, we argue that network hops measured in single-digit milliseconds pale in comparison to the hundreds of milliseconds...

/ai /cloud Artificial Intelligence

Carlos Kazuo Missao

Carlos Kazuo Missao Global Head of Innovation Solutions at GFT

Stablecoin regulation is here - but what comes next for banks?

Stablecoins have experienced substantial growth across the globe over the past year, with a 63% year-over-year increase in adjusted transaction volume - but U.S. banks have lagged behind this ascension. The slow pace was due to several factors, most notably, the lack of standardized guidelines around everything from what a stablecoin is to who c...

Sumit Arora

Sumit Arora Sumit Arora, SVP– Global Head of Consulting at Persistent Systems

From Embedded Finance to Intelligent Finance: How AI is Powering the Next Evolution Beyond BaaS

Embedded finance is undergoing a fundamental shift. What began as Banking-as-a-Service (BaaS) – exposing core banking features like payments, accounts, and cards via APIs — has evolved into something more intelligent and experience-driven. Financial services no longer operate quietly in the background. They now adapt in real-time, shaping user jou...

/ai /payments

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

Supreme Court clarifies position on undisclosed commissions – but challenges remain

Last Friday brought a degree of relief for those in the Motor Finance sector, as the Supreme Court overturned much of the earlier Court of Appeal ruling on “hidden commissions.” While this decision brings some welcome clarity, it doesn’t represent an outright victory for lenders. Here, we look at what the latest judgment means for motor finance pr...

/regulation

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

New Risk Landscape: What the EBA’s 2025 Report Means for Fintech

The European Banking Authority (EBA) recently published its fifth biennial Opinion and Report on money laundering (ML) and terrorist financing (TF) risks affecting the EU’s financial sector. While these reports are typically regulatory in nature, the 2025 edition reads like a warning bell for the fintech industry — especially for firms that are gr...

/regulation /crime Fintech

Vitaliy Shtyrkin

Vitaliy Shtyrkin Chief Product Officer at B2BINPAY

AI Is a Tool, Not the Vision — Don’t Let It Decide What You Build

AI technology has seen a meteoric rise in the past several years, and by now it’s far from being a novelty in product development. In fact, according to McKinsey’s research, 72% of organizations in 2024 were already using AI in at least one business function. From early-stage market research to workflow automation and user personalization, it’s c...

/ai /crypto The Payments Business

Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

Top Challenges Faced in Global Payouts (And How Financial Institutions Can Overcome Them)

While global payouts are the most sought-after and growing market, there are still many challenges faced by financial institutions like yours. And also not to ignore the fact that global payouts aren’t just about moving money anymore. But they are about delivery speed, accuracy, and trust. And here’s the main catch: If you want to offer your cu...

/payments

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