Fin-Tech

Fin-Tech explained from the inside out. The ideas, the people, and the phenomena.

Paymonade Clears MiCA: Why Europe's Crypto Licence Protects Users by Erasing Their Options

Paymonade Clears MiCA: Why Europe's Crypto Licence Protects Users by Erasing Their Options

Paymonade cleared MiCA as only around 280 crypto firms survived the July deadline. The licence that thinned the field is what now protects the people who stayed.

UK Buy-Now, Pay-Later Regulation: The Rules Work by Making Shoppers See It as Debt Again

UK Buy-Now, Pay-Later Regulation: The Rules Work by Making Shoppers See It as Debt Again

UK Buy-Now, Pay-Later rules are now in force under the FCA. The biggest change is not affordability checks, it is that the product is finally labelled as credit.

Great British Summer Savings: The VAT Cut Only Reaches Families If Businesses Choose to Pass It On

Great British Summer Savings: The VAT Cut Only Reaches Families If Businesses Choose to Pass It On

The UK's Great British Summer Savings website helps families find businesses passing on the VAT cut. Whether the saving reaches you depends on each one choosing to.

Kathy Ruemmler Goldman Sachs: What an "Advisory Role" Reveals About How Banks Handle a Resignation

Kathy Ruemmler Goldman Sachs: What an "Advisory Role" Reveals About How Banks Handle a Resignation

Two lawmakers say Goldman Sachs' departing legal chief never left. The gap between an announced resignation and a real one is where the money keeps moving.

Private Credit AI Risk The BIS Found $115 Billion in Software Loans Priced As If AI Did Not Exist

Private Credit AI Risk: The BIS Found $115 Billion in Software Loans Priced As If AI Did Not Exist

The BIS found business development companies hold $115 billion in software loans and charge no extra spread for AI disruption risk. Here is what that means.

Crypto Health Rewards The Research Says the Behaviour Dies Three Months After the Money Stops

Crypto Health Rewards: The Research Says the Behaviour Dies Three Months After the Money Stops

Crypto health rewards pay people in tokens for healthy actions. Two decades of trial evidence show what happens to the behaviour once the payments stop.

Digital Euro Pilot: The ECB Picked 36 Payment Firms Before the Law Exists

Digital Euro Pilot: The ECB Picked 36 Payment Firms Before the Law Exists

The ECB selected 36 payment service providers for the digital euro pilot from over 50 applicants. Testing runs 12 months from the second half of 2027.