Is Everyone Having Their Own Digital Wallet Just Hype — or a Real Business Need?
From airlines to coffee chains, everyone seems to want their own wallet. But is this fintech gold rush driven by real value — or just fear of missing out? The…
How Asian POS Providers Are Reshaping Europe’s Payment Market
From Shenzhen to Stockholm, the quiet revolution in payment terminals is changing prices, standards, and who holds the power in European acquiring. A new wave of competition A decade ago,…
Inside China’s Payment Ecosystem: What Merchants Can Learn
China’s cashless shift rewired how over a billion people shop and pay. Here’s what actually changed on the ground, why QR-first design mattered, and the practical takeaways for merchants outside…
Are You Ready for the New Era of Biometric Payments?
From fingertips to facial scans — how the next wave of payments is rewriting convenience, privacy, and trust for everyday citizens. The Payment That Recognizes You Imagine walking into your…
UPI Reshaped Merchant Acquiring
India’s instant payments system didn’t just change how people pay — it rewired how merchants get paid. Here’s how UPI turned acquiring upside down, and what it means for you.…
What Network Service Providers (NSPs) Really Do — and Why Merchants Should Care
They sit quietly between your terminal and your acquirer — yet they keep your payments flowing. Here’s what Network Service Providers (NSPs) are, where they operate, and why they matter…
Chargeback, Refund, or Reversal: A Quick Guide for Product Teams
Three similar-sounding outcomes on card payments—who triggers them, when they happen in the payment timeline, and what they mean for your product and metrics. This cheat sheet helps you reduce…
Card Tokenization, Explained: What Changes for Merchants in 2025
In plain English: what a PAN is, what a token is, why networks push tokens, and what this means for your checkout and card-on-file flows. Useful today; still relevant tomorrow.…
M-Pesa: why “old-school” USSD still wins in African mobile money
Africa’s largest mobile-money franchise didn’t out-app the market—it out-operated it. Any phone, patchy data, cash-heavy retail: USSD plus agents turns constraints into scale. For product teams, that’s the real moat.…
Klarna’s Path to Profitable BNPL: When a “Risky” Model Gets Disciplined by Data
Klarna is stringing together operating-profit quarters while expanding beyond BNPL into cards, pay-now, and retail media. The quiet hero isn’t flashy growth—it’s underwriting accuracy, tighter collections, and returns discipline at…