A recent legal opinion, commissioned by the German Federal Ministry of the Interior and Community (BMI) and published by the University of Cologne, has provided definitive clarity on a critical, long-debated conflict: the irreconcilability of US data access laws (like the CLOUD Act) with the European Union’s fundamental rights and stringent regulatory framework. For regulated […]

The New Frontier of Financial Risk: The Tectonic Shift in European Payments The payment industry relied heavily on the Revised Payment Services Directive (PSD2) to secure transactions. While PSD2’s Strong Customer Authentication (SCA) successfully curbed unauthorized card fraud, it proved ineffective against the current threat: Authorized Push Payment (APP) fraud. Consequently, financial crime evolved. APP […]

Stablecoins are undergoing a major shift from niche crypto instruments to regulated components of modern payment infrastructure. Over the past two years, they have captured the attention of fintechs, issuers, card networks, banks, and large ecommerce players. This evolution is not driven by hype, but by the growing pressure to modernize global money movement and […]

FinTech’s Threat Landscape Has Grown Faster Than Its Defenses The last decade of FinTech innovation was defined by acceleration. Instant payments, seamless onboarding, split-second risk scoring, frictionless commerce — everything revolved around reducing time. Yet while the sector streamlined user experience, another process was unfolding behind the scenes at a pace even faster than the […]

A few years ago, most online shops were built on a simple idea: attract traffic, convert as many visitors as possible into buyers, and repeat. Revenue grew in waves, driven by campaigns, seasonality, and platform performance. That model worked reasonably well as long as advertising was cheap and competition was moderate. Today, the conditions have […]

Why Mastercard’s UAE launch marks the beginning of a structural shift in payments, governance, and market competition. A New Economic Actor Enters the Payments System The introduction of Mastercard’s Agent Pay in the UAE represents more than a milestone in payments innovation — it may be the first real example of autonomous machine actors participating […]

The payment industry enters 2026 in a phase of accelerated transformation. Consumer expectations are changing quickly, regulatory pressure is intensifying, and geopolitical tensions are reshaping global commerce. At the same time, AI, tokenisation, and embedded finance are moving from emerging concepts to industry standards. In this environment, payments are no longer a technical function in […]

In November 2025, Novalnet received a B – Gute Nachhaltigkeitsperformance rating in the ESG assessment conducted by Synesgy (CRIF). On paper, it’s a certificate. In practice, it reflects something far more important: how the company is run, how responsibly it behaves, and how much merchants can trust it as a long-term partner. In the payments […]

Mobile commerce continues to grow at record speed — and users expect fast, seamless, and secure payment experiences inside the apps they use daily. For businesses, this means delivering a checkout flow that is not only frictionless, but also fully compliant, scalable, and easy for developers to integrate. To help iOS developers meet these rising […]

The checkout experience can make or break an online sale. Even the most beautifully designed e-commerce stores lose nearly 70% of customers at checkout due to friction, delays, or poor user experience. Recognizing this, Novalnet has partnered with the Hyvä Checkout framework to redefine what Magento 2 checkout performance can be.

Why Switching Payment Providers Is Easier Than It Looks Switching payment providers is rarely at the top of a merchant’s priority list. It feels risky: what if payments stop working, customers abandon their carts, or recurring billing data gets lost? For many businesses, the fear of downtime outweighs the clear benefits of moving to a […]

Avoid These 7 Payment Mistakes That Could Kill Your Conversions Expanding your business and selling internationally is a big milestone. It signals growth, ambition, and confidence in your product. However, there’s one hard truth: most global expansion efforts don’t fail because of logistics or demand—they fail because of friction at the checkout. A well-known brand […]