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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...
FinTech Sweep & Rank (UK + US) 1. US replaces its 10% global tariff with permanent Section 301 duties of 10–12.5% on UK and EU goods What happened: The US Section 122 tariff (a temporary 10% flat rate, capped by statute at 150 days) expired at midnight ET on 23–24 July. The USTR immediately imposed replacement Section...
Buy now, pay later grows up. Its customers still need to. On Wednesday, buy now, pay later finally comes under regulation. I’ve argued for years that it should. And I’m still worried. Here’s why. The first time I watched a young woman split a £48 pair of trainers into four payments, she didn’t think she was borrowing....
The moment of payment should be the cleanest part of commerce. A service has been delivered, a product has been sold, value has changed hands, and money should follow. Yet for too many small businesses, freelancers and workers, getting paid is not a moment at all. It is a process: chasing, waiting, reconciling, borrowing, apologising to one’s...
Cash flow timing is the strategy too many businesses are taught too late By Yanka Golemin The first cash flow lesson many founders learn is not about profit. It is about waiting. Waiting for an invoice to clear. Waiting for a customer payment that was promised last Friday. Waiting for funds to settle while payroll, rent,...
The Public Mandate Is Ahead of Government
The 2026 Accounting Paradox: Why Your Software is Not Your Watchdog In 2026, the biggest lie founders tell themselves is that their accounting software is an auditor. With QuickBooks and Xero commanding the lion’s share of the market—boasting 7 million and 4.2 million subscribers respectively—the technical barrier to entry for bookkeeping has effectively vanished. However, the paradox...
1) Executive summary (what’s “new” about this wave) Payments infrastructure is entering a fresh modernization wave because three foundational layers are shifting at once: (1) rails (real-time/always-on clearing and settlement), (2) data standards (ISO 20022 becoming the common payment “language”), and (3) operating model + risk (24/7 availability expectations colliding with stricter resilience, fraud,...
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