Transaction Intelligence

Sign in Subscribe

Regulatory

Financial regulation shapes every aspect of how money moves in the modern economy. This collection examines regulatory frameworks like PSD2, Open Banking, and consumer protection mandates, analyzing their impact on innovation, competition, and user experience. Beyond compliance, these articles explore how regulation can be a catalyst for positive change, innovation vs. consumer protection, and how financial institutions can navigate complex environments while delivering exceptional experiences.

The £42 Million Lesson: What Barclays' FCA Fine Teaches the Digital Payments Industry

The £42 Million Lesson: What Barclays' FCA Fine Teaches the Digital Payments Industry

Barclays' £42m FCA fine for "one simple check" failure offers crucial lessons for digital payments. Analysis of how basic compliance gaps facilitated £46.8m in money laundering and what fintech, eCommerce and payment firms must do to avoid similar costly mistakes in an evolving regulatory landscape.

When Systems Meet Reality: The Vocalink Fine and Lessons for Infrastructure Governance

When Systems Meet Reality: The Vocalink Fine and Lessons for Infrastructure Governance

When critical reports warning of "serious un-remediated issues" sit buried in email chains while boards sign compliance confirmations, something has gone catastrophically wrong. The Vocalink case reveals how even well-intentioned governance systems can fail when information flows break down.

Monzo's £21 Million Fine: A Systems-Thinking Post-Mortem

Monzo's £21 Million Fine: A Systems-Thinking Post-Mortem

Monzo's £21 million FCA fine reveals a fundamental truth about scaling: product engines grow exponentially while compliance scales linearly. When growth and risk controls diverge, you're not building a business—you're building a time bomb.

AI Governance in Fraud Detection

AI Governance in Fraud Detection

As AI-powered fraud detection becomes increasingly sophisticated, the regulatory landscape is shifting. Financial institutions must navigate a web of explainability requirements and governance standards that promise to transform how fraud prevention systems are selected, deployed, and monitored.

A NASA photo of the Gulf of Mexico, United States taken from the Space Station in December 2015.

The Fragility of Transatlantic Data Transfers

As digital commerce grows increasingly global, the legal frameworks governing data transfers across borders have never been more important. Yet these frameworks remain surprisingly fragile, especially between the EU and US.