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The payments industry in Europe is bracing for its next major regulatory evolution with PSD3 (Payment Services Directive 3). Following the landmark revisions introduced by PSD2, this new update is poised to address lingering challenges while adapting to the rapidly evolving financial and technological landscapes. But what does PSD3 aim to change, and why should banks and payment providers care? Th…

Data protection is a top priority in banking and payment systems, where sensitive information such as cardholder details and personal data are frequently exchanged. The rapid rise in cybercrime and data breaches makes robust security frameworks indispensable for financial institutions. Two key technologies, Encryption and Tokenization, are at the forefront of safeguarding sensitive information. Th…

Payment gateways are an integral part of the digital economy, acting as the bridge between merchants and financial institutions to authorize online transactions. Over the past few decades, they’ve undergone a remarkable transformation to keep up with shifting consumer expectations for speed, security, and seamless experiences. This article explores the evolution of payment gateways, from clunky le…

Negative-option billing is a billing model in which customers are automatically charged for a product or service unless they actively opt out or cancel within a specific window of time. This model is widely used in subscription-based businesses, such as streaming platforms, magazine subscriptions, and software services. For example, if you sign up for a one-month free trial of a streaming service …

Banking and fintech professionals know how critical dispute resolution is to maintaining customer satisfaction, operational efficiency, and regulatory compliance. That’s why we’re thrilled to announce that DisputeLab from Fi911® has been named as a finalist for the 2025 Banking Tech Awards USA! The 2025 Banking Tech Awards USA celebrate excellence and innovation across the banking and fintech indu…

Triangulation fraud is a common type of online fraud that can cause significant financial losses for both buyers and sellers involved. It not only affects individuals but also impacts eCommerce platforms and their reputation. This deceit involves three primary stakeholders: the fraudster impersonating as the seller, an unwitting buyer, and an innocent merchant. The fraudulent seller convinces the …