Field notes on building the modern bank
The regulation reshaping European banking, what it asks of the bank's systems, and how the platform answers it.
Instant by default: what the Instant Payments Regulation asks of a bank's core
The EU Instant Payments Regulation makes the ten-second euro transfer the norm. What it requires, when, and what it takes inside the core.
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DORA and NIS2: what applies to a bank and what it asks of its systems
Banks sit inside NIS2, but DORA sets their ICT rules. What DORA requires, the key dates, and where banks get stuck on registers, incidents and testing.
PSD3 and the PSR: what changes for banks after PSD2
PSD3 and the Payment Services Regulation rewrite PSD2's rules on fraud, open banking and authentication. Where they stand and what they ask of a bank.
One rulebook, one authority: what the EU AML package and AMLA ask of a bank
From July 2027 the EU AML package puts every bank under one directly applicable rulebook: what it requires, when, and what it takes inside the bank.
The EU AI Act: what it asks of a bank that scores, serves and automates
Credit scoring is high-risk under the EU AI Act. What the regulation asks of a bank as deployer, the dates after the AI omnibus, and where banks get stuck.
The EU Digital Identity Wallet: what eIDAS 2.0 asks of banks by 2027
eIDAS 2.0 gives every EU citizen a digital identity wallet and obliges banks to accept it. What it requires, when, and what it takes inside the platform.
ViDA and e-invoicing: what VAT in the Digital Age means for a bank
ViDA moves EU business clients to structured e-invoices and near-real-time VAT reporting. What it requires, when, and what it means for their bank.