When people discuss embedded finance, the conversation typically revolves around fintechs, neobanks, and other digital-native players. But that view is quickly becoming outdated. Today, companies in retail, lending, logistics, payroll, and travel are…
For businesses operating in the United Kingdom, maintaining compliance with HMRC payroll regulations requires a thorough understanding of how the UK tax year is structured. Whether your organization processes weekly, fortnightly, four-weekly, or mont…
Payment fraud is on the rise, and businesses are feeling the heat. To stay ahead, many are turning to virtual cards – a smarter, safer way to handle payments. Unlike traditional cards, virtual cards are built with security in mind, offering features…
The latest Weil European Distress Index shows that corporate distress across Europe surged from 3.0 in November 2024 to 3.8 by February 2025, its highest level in six months. This sharp rise, driven by weakening investment, tight liquidity, and marke…
The complicated tax calculations must be clarified for sole traders or company directors. If you are here, you may wonder what the SA302 form is and why it matters. This article will answer all possible questions about this tax statement. In this gui…
Running a travel agency in 2025 is a high-stakes balancing act. You need to deliver hyper-personalised customer experiences, manage an expanding network of suppliers, and keep your operations lean, all while competing with digital-first Online Travel…
Your company is eligible for a VAT repayment if the VAT charged from customers (or output VAT) is lower than that paid to suppliers of goods and services (VAT input). In such a situation, HM Revenue and Customs (HMRC) will repay you the difference. …
There are plenty of reasons why small business needs another source of business financing other than their own costs. One of them is irregular cash flow caused by delays in client payments and emergency expenses. You may apply for a traditional bank…
Payment cards are no longer just tools for transactions – they’re strategic assets. In today’s embedded finance landscape, branded card programs help companies unlock new revenue, increase customer loyalty, and scale fast. Wallester’s White-Lab…
Media buying in 2025 isn’t just competitive – it’s cutthroat. In Europe alone, social media ad spend is projected to hit €37 billion, with markets like the UK, Spain and Germany leading the way — all with over 77% of their populations online. T…
Software as a Service, or SaaS, represents a transformative shift in the way software is delivered and consumed. It allows users to access applications via the Internet rather than installing and maintaining programs on individual devices. This model…
Online shopping has become an essential part of modern life, but the growth of digital payments has raised concerns about security for consumers and businesses alike. 3D Secure (3DS) adds an extra layer of protection by verifying the identity of the…
For small businesses in the UK, managing financial reporting doesn’t need to be challenging. Abridged accounts offer a practical way to meet legal requirements while protecting sensitive business information. Before the introduction of these reports,…
Global payment volumes are exploding, and more companies than ever are asking the same question: How do we embed finance into our business without building a bank from scratch? The answer: white-label card issuing. Whether you’re a fintech star…
In a world where digitalisation is advancing rapidly, the European Union and the United Kingdom are taking a decisive step: making electronic invoicing mandatory for all businesses. This isn’t just another regulatory change. With estimated loss…
Running a business in the UK means dealing with taxation, financial reporting, and regulatory compliance. One of the most essential identifiers for tax purposes is the Unique Taxpayer Reference (UTR) number. Issued by HM Revenue and Customs (HMRC), t…
Creating an effective budget is essential for running a successful business. Companies often need to decide between bottom-up and top-down budgeting when planning their financial strategy. These two methods influence how organizations distribute reso…
Understanding how paper-based payments work remains important for many people and businesses in the UK. While electronic transactions dominate modern banking, this traditional payment method continues to serve as a valid form of transaction for speci…
