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…

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…

Future of data integration: traditional, cloud or hybrid? 

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Wrapped in data, and with its volume growing faster than ever, decision-making is dependent on reliable information. Bringing the information stored in different data lakes together for the overview that the executives need is a major…

Banking in 2023: trends and challenges 

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Digital transformation continues to top the list of priorities in banking. However, the goal for 2023 is also to increase productivity and efficiency. Banks and financial institutions are also looking to digital solutions to help them…

Variable Recurring Payments (VRP): open banking needs flexible solutions

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The vision that the bank takes care of all your payments is tempting. Is there a new era of smart direct debits ahead? The technological key to popularizing variable recurring payments (VRP) are tools that enable advanced management…

Pan-European instant payments: is TIPS worth the while?

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In developed countries, instant payment settlement has moved on from “nice to have” to “must have”. There is practically nothing that would prevent an international instant transfer settlement system, except that building one is a demanding…

Generalists or specialists: does narrow specialization pay off?

The Polish Software Development Association (SoDA) asked me for my opinion whether narrow specialization pays off. As the owner and CEO of a software house specialized in the financial sector, I am a supporter of field specialization. Complex…