The landscape for payment infrastructure is ever-changing, and one future scenario is a multi-rail landscape, where traditional card schemes co-exist alongside account-to-account payments, closed loop ecosystems, central bank digital currencies as well as stablecoins as a an alternative payment infrastructure. One of the questions in this scenario is whether stablecoins can truly serve as alternative payment rails at scale, and if so, what is their viability?
Account-to-account (A2A) payments powered by instant payment infrastructures and open banking APIs are set to gain strength globally. As these systems rise, many are asking: what becomes of traditional card schemes if/when A2A becomes the default method of digital payments?
For over four decades, the x86 processor architecture has shaped the digital world. Back in the day, nothing said quality like the intel inside sticker on your desktop gaming rig.
But the computing landscape is changing. The rise of ARM-based processors, the explosion of GPU-centric workloads, and shifting market dynamics are challenging x86’s position as the de facto computing standard. Does this mean that the x86 architecture is becoming obsolete, paving the way for GPUs and ARM-based processors as the dominant technological paradigms?
Not long ago, fintechs were celebrated as the outsiders poised to dismantle the banking establishment with cutting-edge technology. By 2025, the story is very different: the dominant narrative is one of collaboration rather than disruption. Fintechs are no longer content to fight from the periphery. Instead, they are embedding themselves deep within the financial ecosystem, often as the very engines powering banks’ digital transformation.
While deal volumes are yet to recover fully, we’re seeing a resurgence in deal value and a recalibration of strategies across both venture capital and private equity. Simultaneously, exit strategies are evolving, and fundraising faces new challenges. From mega-deals in AI to a new breed of smaller, but more specialized funds, the signals are clear: the next chapter is already being written.
The way we build software is undergoing a radical transformation, and at the heart of this evolution is artificial intelligence. From smart code autocompletion to AI-generated applications, the software development landscape is shifting rapidly. But what does this mean for developers, businesses, and the future of the craft itself?
On the internet nobody knows you’re a dog was stated in the legendary New York times cartoon that captured the spirit of privacy and anonymity in the early days of the internet. Even though anonymity is still a hot topic and sought after in the online world, times have changed. With the ever-increasing growth of fraud, misinformation, social media as a primary channel for media consumption and transactional services being performed online services, a verified digital identity is a crucial ingredient in making any digital service succeed.
Europa risikerer å havne på sidelinjen i det teknologiske kappløpet. Mens USA og Kina bygger teknologiske imperier, sliter Europa med å holde tritt. Frem til nå har Europa levd godt i skyggen av USAs digitale suverenitet, men i løpet av kun få måneder har det som en gang var en alliansepartner vist gjennom en serie handlinger og uttalelser at verden som vi kjenner den vil aldri bli den samme igjen.
I have previously covered the development of the BNPL market with its many ups and downs, reflecting both rapid growth and emerging challenges. With Klarna’s IPO coming up, it is time for a recap on the state of the union for BNPL. What is the market outlook, who are the key players, and how will regulatory changes impact the industry?
Crypto is once again the talk of the town. The rollercoaster ride that is crypto pricing has once again risen from the valley of despair to new records. BTC is closing in on the 100 000 USD mark, and meme coins are once again flourishing. At the same time, we are still short of any mainstream practical use cases for crypto and its underlying technology.
No tree, it is said, can grow to heaven unless its roots reach down to hell. After a long streak of growth, construction tech (Contech) funding has slowed down in the previous year in terms of invested capital. However, even though the amount of inbound cash has slowed down, the number of deals is still on the rise.
Forrige uke var jeg invitert til å gi innspill til ny nasjonal digitaliseringsstrategi, der det var et ønske at jeg tok for meg temaet arenaer for samspill, innovasjon og datadeling, og behovet for regulering. Invitasjonen til et slikt møtet er nettopp en slik arena, og for at en nasjonal digitaliseringsstrategi skal tilføre verdi, må næringslivet involveres, både i utforming og i kontinuerlig kursjustering.
This post was originally published at digi.no (in Norwegian) Nasjonal sikkerhetsmåned er nok en gang over … Digital sikkerhet i usikre tiderRead more
Following several advancements into every banking services Apple has announced that it will allow users in the UK to view their account balance in the Apple Wallet app.
I år er det kunstig intelligens som driver det digitale hype-toget, i fjor var det metaverse, og neste år er det kanskje noe annet. At digitale trender kommer og går er en del av teknologiens natur og endrer ikke det faktum at programvare fortsetter å spise verden med uforminsket styrke og vi er avhengig av teknologikompetanse for å henge med.
Norwegian fintech is following the downward trend of the sector globally, as indicated by a survey conducted by the Ontogeny Group on behalf of Finansforbundet. Simultaneously, as revenue growth levels off and access to capital for the sector dries up, the accumulated deficits are increasing. This set of challenges will undoubtedly lead to more companies in the sector throwing in the towel in the times to come.
Leading pioneers in metaverse development are abandoning the concept. Does this spell the end of the promised land of interoperability between digital realms and immersive experiences that connect the physical and digital world, or is merely the initial hype dying off as development continues unhinged from tabloid headlines?
Ditio aims to make construction sites more sustainable with artificial intelligence and is raising money for a new issue. As new investors, Dovetail signs on backed by Ferd Impact, together with Construct Venture.
Den siste tiden har det vært nærmest umulig å ikke få med seg mengdene av AI (kunstig intelligens)-genererte bilde, skapt av tjenester som DALL-E og NightCafe. Og aktiviteten nærmest eksploderte denne måneden med tjenestene CHatGPT og Lensa.
Men hvilke implikasjoner vil denne teknologien ha ut over en jevn strøm av AI-generert innhold og profilbilder i sosiale medier?
Generative AI has been one of the hot topics this fall, and last week we got to try out a new addition to the growing landscape of generative AI solutions with ChatGPT from OpenAI. Like many others, I’ve been playing around with the solution the last couple of days in order to cut through the hype and see for myself whether this is a big deal or not.