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 […]
Global payment innovation: how Klarna is redefining the modern card experience
What does true global payment innovation look like in practice? At the upcoming Future of Payments congress in Amsterdam, Ellie Goodman, Payment Partnership Lead at Klarna, will share how the company gained extensive experience across multiple card products, which lead to the creation of the Klarna Card. “We needed to bring the best of Klarna […]
The Journal of Financial Services
The Journal of Financial Services, a new biannual publication by Projective Group, unites the brightest minds from across academia, industry and policy to explore the trends reshaping financial services. This first edition focuses on the fast-evolving payments sector, from real-time infrastructure to digital currencies and regulatory shifts, delivering authoritative insight that decision-makers cannot afford to […]
