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 […]

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 […]

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.

Enterprises across Europe run on SAP—whether for finance, procurement, customer experience, or digital commerce. But when it comes to integrating payment processing, things can get complicated quickly. Traditional integrations are often clunky, time-consuming, and riddled with compliance risks. Even worse, they disrupt the flow of data between your SAP landscape and your finance or customer […]

Agentic Commerce is transforming how transactions are initiated and completed—by intelligent agents, not just humans. This in-depth guide explores how AI, autonomous systems, and programmable payments are reshaping the future of commerce and payment processing, and what businesses need to do to stay ahead.

The way we move money is changing. Not overnight, and not with loud fanfare. But steadily—underneath the surface of day-to-day transactions, under the rules of regulators, and across the servers of financial infrastructure providers.

AI Shopping Agents: The Future Is Convenient – But Can We Still Trust It? AI shopping agents are revolutionizing digital commerce by simplifying purchases and decision-making processes for consumers. But are they secure enough? Digital Commerce’s Next Shift: Enter the AI Shopping Agent Digital commerce is facing the next wave of disruption. Following the triumph […]

From sophisticated cyberattacks to payment fraud, organizations must adapt quickly to protect sensitive data, maintain regulatory compliance, and safeguard customer trust. As cyber threats evolve, it’s crucial for businesses to stay proactive and implement robust security strategies

From phygital experiences blending physical and digital methods to AI-powered fraud prevention and blockchain integration, discover how these trends are reshaping the payment landscape. Learn about real-time transactions, collaborative ecosystems, and global accessibility that are set to define the industry.

As AI continues to advance at a steady pace, it’s tempting to be drawn into the appeal of every new innovation that emerges. However, as we embrace the transformative potential of artificial intelligence, it’s essential to pause and ask ourselves: Are we staying real? By staying real, I mean staying authentic, purposeful, and aligned with […]