Our latest insights

Filter by type

Filter by category

Virtual IBANs: What Are They and How Can They Benefit Your Business?

Recent improvements in payment technology have led to breakthroughs in cross-border payments, where businesses can expand into new, international markets.

One of these breakthrough technologies is virtual IBANs, which are fast becoming an integral part of embedded finance. But what they are, and how they can benefit your business?

Read More »

Irish Consumer Credit Sector in the Spotlight as Central Bank of Ireland Expands Regulatory Perimeter

Plenty of changes are afoot for the Irish consumer credit markets, following the enactment of the Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (the “Act”). The Act extends the Central Bank of Ireland’s (CBI’s) consumer protection framework to a broader range of firms and consumer credit activities, with the aim of ensuring that Irish consumers receive the same protections required of other financial service providers.

The Act came into force on 16 May 2022 and those entities caught by the new legislation should by now have begun preliminary analysis of the impact of those changes to their business models. For authorised entities, this includes an assessment on their regulatory risk profile.

Read More »

Osper: Global expansion and new payments products are child’s play for this financial innovator

Fintech innovators are using digital technology to empower children to earn and spend money under parental supervision. One such innovator is Osper, the ‘mobile app and prepaid debit card that turns pocket money into life lessons.’ But this exciting business is taking its managed money concept beyond youngsters to support use cases across different demographics. Marqeta caught up with Ester Piubeni, Osper’s Head of Operations, to learn about the business’ journey so far and what the future holds.

Read More »