Banking as a Service – embedded banking, regulation and how partners become competitors

Banking as a Service – embedded banking, regulation and how partners become competitors

Posted on October 27, 2023 By David Kruse

Anyone who has looked into private financial investments in recent months has often become aware of various deposit offers with attractive interest rates. High-risk investment opportunities that can be classified as “high risk & high return”, such as in cryptocurrencies, are a thing of the past, as the current trading volume within Germany shows. Consequently,…

Worldcoin – a cryptocurrency? Or the holy grail of authentication?

Worldcoin – a cryptocurrency? Or the holy grail of authentication?

Posted on September 13, 2023 By Tim Danker

It’s the next big thing. Or at least it is supposed to be: Worldcoin – the next stroke of genius by Sam Altman, the brain behind ChatGPT. But what exactly is Worldcoin? Just another digital currency? Or a tool that will soon influence our business processes and many other aspects of our everyday lives? You…

How EPI (despite all scepticism) could become a success after all

How EPI (despite all scepticism) could become a success after all

Posted on June 29, 2023 By Tim Danker

The European Payments Initiative has only just started – and yet there is already a “EPI is doomed to fail” mood in the market. The scepticism is certainly understandable. After all, the plan for a European payment system raises countless questions. For example: Why does the customer need another payment procedure? Or: What motivation should…

OSTHAVEN Practice: Optimising the eCommerce payment infrastructure for an omnichannel future

OSTHAVEN Practice: Optimising the eCommerce payment infrastructure for an omnichannel future

Posted on April 14, 2023 By Simon Lammerding

Payment processing in e-commerce is subject to constant change. Merchants are repeatedly confronted with the question of how to position themselves properly for the future. OSTHAVEN’s experts are therefore often called upon for the market analysis and tendering of payment services. Today we give you an insight into one of our exciting projects, which is…

Request to Pay (RTP): Romance, farce or thriller in improv theatre – suspense to the end

Request to Pay (RTP): Romance, farce or thriller in improv theatre – suspense to the end

Posted on March 8, 2023 By Ralf Hesse

Who hasn’t sat in one of these crime dinner events and let themselves be drawn into a gripping murder plot by the charm of the actors in a perhaps cosy atmosphere? Well, if this event is also presented by an improv theatre, the outcome and the distribution of roles between murderer(s), aides, conspirators and murder…

Long live the girocard…

Long live the girocard…

Posted on November 20, 2022 By Juan Félix Manzano Vela

The swan song for the most popular debit card in this country has often been sung – and now again, with the imminent discontinuation of Maestro, the traditional co-badge solution of the girocard is also facing its end. But is the girocard really doomed to die? Who benefits from this scaremongering? And what is the…

Apple Pay(ment processor)

Apple Pay(ment processor)

Posted on May 17, 2022 By Til Steng

Update from 7th October below the article How Apple is turning the payment industry upside down and where the journey could end up… In the relevant information sources of the payment industry, Apple appears with ever new rumours and efforts to launch new payment services (“Apple will soon no longer need a merchant payment terminal”)…

Crypto at war?

Crypto at war?

Posted on August 26, 2022 By Tim Danker

The crypto scene has had an eventful few weeks. Analogous to the global stock markets, but in an even more drastic form, the prices of almost all crypto stocks have crashed. Some cryptocurrencies have disappeared completely from the market (and with them a lot of investor capital) and some crypto start-ups have not survived the…

Unity and justice and freedom…

Unity and justice and freedom…

Posted on March 6, 2022

Who does not know them, the proud national anthems of the individual countries of our European community of states. And not infrequently, these usually catchy melodies are also accompanied by eloquent lyrics, which are supposed to characterize the respective country and the people. We Germans, of course, also have such a “jewel” lying in the…

Between crypto-winter and NFT-spring

Between crypto-winter and NFT-spring

Posted on September 6, 2021

Cryptocurrencies and the related purchase, custody or even investment of these assets have already arrived at the centre of the financially and technologically interested society since several years now. These assets, which initially could be described as completely unregulated and which to this day do not meet the official definition of the term currency, went…