Instant Payments after the IPR Deadline: How Happy and Non-Happy Flows Have Evolved
Belgian banks outperform Dutch banks on UX and Process Excellence When the Instant Payments Regulation (IPR) came into force on the 9th of October 2025, together with the updated SCT Inst Rulebook introduced four days earlier, European banks faced a fundamental shift. Instant payments became mandatory for institutions in scope of the IPR, and Verification […]
From Filing Cabinets to Bank Vaults: Engineering the Next Generation of Real-Time Payments
Global financial plumbing is cracking under unprecedented pressure. The world is moving from nightly batch processing to real-time, expecting money to move as instantly as a text message. Yet, beneath the sleek mobile interfaces of modern fintech, the foundations remain fundamentally unchanged… and rapidly running out of breath. As digital economies scale, the sheer velocity […]
