Over the past decade or so, the way people pay for things has changed beyond recognition. The modern payment experience now fits in the palm of your hand — literally. The numbers tell the story in a straightforward way. There were 1.2 billion s…
Launching a bank in Europe has never been more appealing. The region’s regulatory harmonisation, booming fintech ecosystem, and demand for digital-first financial services have created fertile ground for innovation. PSD2 (Revised Payment Services Dir…
When you check into a hotel, rent a car, or make certain purchases, you may notice a pending charge on your account that is higher than what you actually spent. This is not an error – it’s a pre-authorised payment, a common practice in many industrie…
When a business is planning for stability, the margin of safety is a useful figure. It shows how much sales can drop before the company hits its break-even point. This calculation helps managers, accountants, and investors understand how much breathi…
One could say every company has its own Slack personality. You know the type, right? Some channels are packed with GIFs and lunch photos. Others with supposedly gentle reminders to “update your Notion tasks.” And then there are the ones that stay qui…
Getting your wages is always a good moment, but making sense of all the details on your wage statement can be puzzling. Each month, your workplace provides this vital document showing exactly what you’ve earned and what’s been taken out. Many people…
Banking works for the biggest clients. But for the rest, well, good luck. If you’re running a business, there’s a good chance you’ve heard some version of that before. It’s a frustration many small and mid-sized companies share. And now it’s backed b…
If your company operates across borders, manages multiple remote teams, or processes payments in different currencies, you already know that choosing the right financial infrastructure can make a real difference. In one way or another, cost, control,…
In business, the saying has always been: speed matters. That’s even more true today, when companies don’t run on banking hours anymore. Maybe your team is finalising a deal late at night. Maybe your media budget needs topping up over the weekend. Or…
Running a small online shop looks simple on the surface. Real control arrives when you set clear rules for spending, approvals, and reports. An expense policy turns everyday costs into a predictable process that your team can follow without fuss. It…
Сross-border e-commerce brings fresh demand, access to multiple markets, and a bigger customer base, but it also brings cross-border fees, returns, customs hurdles, and currency risk. The trick is to design a cross-border strategy that trims hidden c…
Managing money flows requires careful tracking of where funds go and how they are spent. An expense account serves as a categorization tool in accounting that helps monitor spending. Whether you run a small operation or manage a large corporation, un…
For companies looking to modernise their expense management and gain firmer control over corporate spend, choosing the right financial platform is an essential but often complicated process. In the EEA, two popular options are Wallester Business and…
Salary sacrifice schemes offer a clever way for both employers and employees to maximise their financial positions through tax efficiency. These arrangements involve employees agreeing to receive a lower cash salary in exchange for non-cash benefits…
Modern companies rely on dozens of software tools and online subscriptions to stay productive – from project management apps to data platforms. Yet the convenience of SaaS often turns into chaos when payments are spread across teams, personal cards,…
Virtual cards have become an essential tool for making secure payments without using a physical card. They are widely used for online purchases, subscriptions, and even in-store payments via mobile wallets. With growing concerns about data security a…
Subscriptions have become the standard way businesses access software and digital services. Monthly and annual billing make it simple to adopt new tools, but this flexibility also creates a quiet vulnerability. When a payment fails, access is immedia…
The software-as-a-service model has made it easier than ever for companies to access powerful tools. A quick sign-up with a card unlocks platforms for marketing, design, data analysis or project management within minutes. But this convenience has a h…
