Insights

What it takes to build a regulated investment firm in the EU: the three authorisation routes, the capital floors that bind, the stack, and how boutiques scale from advisory.

What we run around the model on our own site: a spend ceiling that fails closed, confidentiality enforced in code, and the check we have not built.

Why a sound recommendation dies inside a bank, what a buyer should ask a supplier for, and what honest delivery timing sounds like.

How a digital payment actually travels from instruction to settlement in Europe, what each rail costs, and the regulation that decides who pays when it goes wrong.

The five testing strategies with the broadest applicability in IT, banking and fintech, evaluated against defect cost, delivery velocity and regulatory exposure.

What microservices architecture means for a bank's stack, the organisational cost behind the diagram, the three domains where it earns its keep, and the failure modes.

What AI agents do inside a bank, where they actually save money in euros, and the EU obligations that attach once one goes live.

How a digital employee is actually built inside a bank, what the ECB found in 13 supervised institutions, and how to read the productivity numbers.

Auditing, cleaning, structuring and governing business data so an AI agent can use it, with the EU obligations that apply once it does.

What clients are asking for in lending this year, what the second Consumer Credit Directive allows from 20 November 2026, and where the real delivery risk sits.

The three forces reshaping European financial services, what the AI Act and DORA now require, and the priorities worth sequencing this year.

Where the 80% figure comes from, the four structural causes behind AI project failure, and what the teams that reach production do differently.

European fintech funding, the DORA and payments rules that gate enterprise sales, and which business models are actually generating returns.

What AI orchestration means in European financial services, how it changes fraud and credit decisioning, and what the AI Act and DORA require of it.

Core programmes rarely fail at the ledger. They fail in four seams - integration and vendor testing, the payment and card rails, compliance timing, and the weeks after go-live - and since January 2025 DORA makes that a regulated surface.

Agentic AI, the EU digital identity wallet and DORA hit the same parts of the banking stack - what to build in 2026-2027, and in what order.

Generative AI in software testing - market findings, real-world challenges, interview insights and a practical adoption framework, from a joint study by WislaCode and Verysell's AI Lab.

An audit of seven retail banking apps in Poland showing where journeys break at failed transactions and blocked accounts, and what it costs.

A checklist for spotting a risky delivery partner during vendor selection, before staffing, security or subcontracting problems surface in sprint 3.

AI decisioning, biometric security, open finance and embedded products - how European mobile banking changes over 2026-2027, and what it takes to build for it.

What Copilot, Google and Microsoft trials actually show about AI coding gains, and how to set a review policy before technical debt builds up.

Why repeat contacts and re-authentication loops persist after omnichannel investment, and how case continuity keeps context across channels.

With transfers and wallets now standard, this looks at the journey-completion gaps still costing banks trust and support volume.

A look at which fintech capabilities are becoming production standard in 2026, from AI orchestration to instant payments, beyond the pilot stage.

Why cutting fintech build costs the wrong way triggers rework and audit findings, and how to lower total delivery cost without raising risk.

Reframes AI adoption in financial services as a growth system built on measurable outcomes and a prioritised use-case portfolio, not tools first.

How banks and fintechs can use PWA techniques to deliver an installable, app-like web experience without running separate iOS and Android builds.

Decision criteria, a comparison table and a due-diligence checklist for CTOs choosing between in-house teams and external delivery partners.

Why banks' AI pilots in fraud detection and chatbots rarely scale into enterprise value, and what closes the gap to real transformation.

Why middleware, not a full core rewrite, is usually the faster route to modern customer journeys while the legacy core is replaced in stages.

Examines whether crypto payment cards create a genuinely new payment rail or just add blockchain on top of the same intermediaries and fees.

Where AI coding assistants genuinely speed up unit tests and bug localisation, and where complex business logic still needs engineering judgement.

Practical steps for founders and IT directors to vet a fintech software vendor on security, speed and long-term fit, not just rate cards.

Surveys the UX features, from QR payments to proactive alerts, that turn routine banking transactions into trusted, effortless interactions.

Looks at the SME banking features, including digital signatures and tailored business tools, that simplify financial admin for small business owners.

Covers the automation and personalisation features in modern banking apps that make saving and spending optimisation effortless for users.

An overview of the security, design and functionality features driving the shift from physical bank visits to everyday mobile banking.

Highlights features that turn banking apps from balance-checking tools into engagement platforms that drive fintech growth.

What a telecom-bank super app actually needs before the feature list grows: shared distribution, trust and operations across two regulated ecosystems.

Breaks down PWA versus native build costs, security and deployment speed for fintechs, including where PWAs can cut spend by around 30%.

How banks and fintechs turn a super app combining payments, lending and rewards into a monetisable ecosystem, not just a feature bundle.

Explores why SME banking still underserves small businesses and how embedded finance and digital onboarding close the gap, citing Visa adoption data.

Explains SEPA Instant Credit Transfers and what the shift to under-ten-second, always-on euro payments means for EU banks and SMEs.

Why SMEs without dedicated security teams are attractive targets in mobile banking, and how to assess and reduce that risk.

How mobile-first corporate banking gives treasury and finance teams real-time cash-flow visibility and faster payment approvals on the go.

Explains how lightweight mini-apps let a single super app bundle banking, payments and lending without becoming a cluttered, hard-to-maintain platform.

Describes how autonomous AI agents, not scripted chatbots, are taking on fraud detection and software testing tasks in banking.

Compares Flutter's native performance and device access against PWA's speed and low cost, to help fintechs pick the right build path.

Sets out how fintech platforms scale user growth and regulatory change through data-driven decisions and a structured implementation strategy.

WislaCode's rundown of the five banking app trends set to shape mobile finance in 2025, led by AI-driven personalisation and smart assistants.

Explains what makes a super app more than a multi-function tool, and how it creates a connected digital ecosystem for banks and fintechs.

A practical guide to converting a Progressive Web App into an App Store and Google Play native app while meeting banking compliance needs.

How super apps and embedded finance solve SME pain points like fragmented account management and limited access to accounting tools.

Looks past AI hype to how B2B firms in banking and fintech are managing AI risk, security and industry cloud platforms responsibly.

Sets out four open banking strategies, from platform to data provider, and why becoming an API platform can keep banks central to the ecosystem.

Examines the features, including sustainability positioning, that set neobanks apart from traditional banks in customer experience.

Outlines what makes a banking app genuinely user-centric, from intuitive navigation and accessibility to personalised, secure experiences.

A blueprint for combining sensors, computer vision and prescription-map models so farm teams can act on field data rather than just collect it.

How agencies can build compliant, explainable AI around their own listings data instead of relying on off-the-shelf tools, per ICO and RICS guidance.

Practical starting points, such as irrigation optimisation and disease alerts, for farm managers scaling AI use with UK and EU governance in mind.

Surveys how AI is reshaping property valuation, management and viewings by 2025, and what that means for agents, buyers and investors.