Insights

Regulatory changes are reshaping the European payments landscape by expanding direct access to central bank payment systems. As of 2025, EMIs and PIs can participate directly in infrastructures such as TARGET, RIX and EBA Clearing. With new access comes new complexity: connectivity, compliance, 24/7 operations.This is where partnering with a Swift Service Bureau becomes essential.

The Digital Operational Resilience Act is a significant European regulation aimed at bolstering the digital operational resilience of the financial sector. This article delves into the critical points of DORA from the perspectives of both banks and companies providing banking software.

Open finance is a broader term than open banking, which refers specifically to the sharing of financial data and services between banks and other financial institutions.

Let’s be clear. Digital transformation is a ‘fait accompli’ and any business still considering whether or not to prioritise a transformation strategy has got to act fast to avoid being left behind. But an integral part of that strategy is the move to cloud computing.

It’s been an ‘interesting’ few years for the Nordics’ biggest banks. In June, Sweden’s financial watchdog penalized SEB 1 billion SEK for ‘broad and longstanding financial crime compliance failures’, while in March, Swedbank, the country’s largest lender, was fined 4 billion SEK for the same offence.