Baas vs. Embedded Banking: who should control banking IT? 

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The popularity of the Banking-as-a-Service (BaaS) model is on the rise globally. However, many banks and institutions have realized that it could be a potential technological dead end. Is Embedded Banking a better solution? Not necessarily.…

NPA and ISO 20022 pave the future for modern banking in the UK 

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The New Payments Architecture (NPA) and ISO 20022 stand a chance of revolutionizing the UK's banking sector. If you add AI into the mix, the vision of “modern banking” goes way beyond what we might expect. But human expertise is…

Agile software testing in banking: collaboration is trendy!  

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To effectively test banking solutions, you need more than the right people and tools. Sometimes even the right people and the right tools are not enough to effectively test banking solutions. The methodology adopted can make or break…

ISO 20022 migration: how to avoid the testing cost spiral? 

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ISO 20022, the new standard for the exchange of payment data, came into force in March 2023. Now, bankers have until November 2025 to introduce the necessary changes to their IT systems. How to speed up the whole process while maintaining…

Credit cards: navigating the crossroads of virtualization 

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Banks aim to keep up with consumer expectations in the credit card segment. However, offering a product such as Banks aim to keep up with consumer expectations in the credit cards area. However, any major credit card issuer must thoroughly…

Custom database migration: how to eliminate production bottlenecks?  

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By utilizing data from both MySQL and Microsoft SQL, an industrial manufacturer could streamline their workflow while keeping historical CIMCO project data. The key to success was a proprietary custom software developed by CCA Europe.   How…