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Nobody told him this was available to him John is a boat engineer. He designs the structures that keep vessels seaworthy — load, resistance, water pressure, the kind of work where “close enough” doesn’t hold up. We spent several weeks talking about his business before we talked about money at all: harbours, jurisdictions, a satellite connection that...
Money mules and the SMB: where laundered money meets your business Most founders treat fraud as something that happens to them: a scam invoice, a compromised card, a chargeback. Money laundering feels like someone else’s problem. It isn’t. Criminal proceeds have to leave the financial system somewhere, and a large share leaves through ordinary purchases from ordinary...
Which of your flows look like a cash-out Three checks on card acceptance, refunds and banking concentration, ordered by urgency. DAILY SIGNAL · PART 2 · FOUNDER REACTION If fraud proceeds exit through card spend at local businesses, the SMB question is which of your own flows look like a cash-out, and what your bank sees when...
The till is the last visible point SIG-A (Signal Analyst) The FCA’s money mule review traces fraud proceeds out of the banking system through ordinary card spend — and into SMB merchant flows. The FCA’s money mule review shows fraud proceeds leaving the banking system through ordinary card spend at local businesses, which makes the SMB till...
Twenty years of financial education. The number hasn’t moved. The Decimal Currency Board had a mascot. Dickie Decimal, a cartoon coin with a face, deployed across conversion charts and public information films to make a new currency feel familiar before it arrived on 15 February 1971. It didn’t work. And the reason it didn’t work is...
Embedded Lending: How the Marketplace Model Works More UK business loans now arrive through a banking app than through a direct application to a lender. A challenger bank’s interface shows the offer, the account and the repayment schedule — but a separate company, plugged in through an API, is often the one underwriting the loan, funding it,...
Not long after news of the merchant card fee settlement began circulating, a client who runs a growing trade supply business got in touch with a question that caught my attention: “If merchants are being compensated for historical card fees, how do I know what I’m paying today is fair?” Despite processing significant annual card volume, he...
Europe is about to let in the stablecoins nobody understands Tether has never held a MiCA licence. Europe’s largest crypto exchanges list it anyway, routing round the rule rather than through it, because European users keep asking for it and European law has no answer for what happens when they get it. That gap is what the...
HMRC digitised the tax system. It forgot to digitise the taxpayer. Making Tax Digital’s first deadline lands on 7 August. Most of the people it affects still don’t know it’s coming — and the lesson reaches well beyond tax. On 7 August, roughly 864,000 sole traders and landlords will find out whether Britain’s tax system was built...
Financially Wired: The SMB Owner's Guide to the FinTech Era by Yanka Golemin
Private counsel for SMB founders, finance leads, and operations leaders.
© 2026 Yanka Golemin
