A new paper from Harvard Business School shows that there's a good chance for banks to win back cross-border volume in SMEs – if they adjust the right parts of the process.
Tom Orzikowski
September 09, 2026
Even though Open Banking and SEPA Request-to-Pay (SEPA R2P) pursued the same goal, very different paths were chosen.
Martin Meinert
June 19, 2026
Paying with a QR code enables fast and contactless payment processing. The method is becoming increasingly important in stationary retail, e-commerce and invoice payments.
Martin Meinert
June 16, 2026
The photo payment feature is now one of the most widely used functions in modern banking apps. A single photo of the invoice is enough, and the bank transfer is almost complete. But real progress begins where technology does more than just recognize data — where it helps users make better decisions at the right moment. This is exactly where the next evolution of the photo payment feature begins.
Tom Orzikowski
March 13, 2026
OCR Compared: Which Technology Is Best for Document Extraction in Modern SaaS Products?Artificial intelligence is currently the dominant topic in the
Tom Orzikowski
March 05, 2026
EPC, GiroCode, SPC, SPD, UPNQR, and more: with broad QR-code support, Gini is positioning itself as a leading provider of payment initiation in banking apps.
Tom Orzikowski
February 25, 2026
Tech giants such as OpenAI and Google offer low-threshold options for extracting documents via API. Companies can choose flexible options that allow them to read the desired amount of documents. However, this model also has some disadvantages.
Tobias Fudickar
January 22, 2026
Multilingualism in online banking reduces barriers, builds trust, and ensures that digital processes are actually used and completed. Multi-language banking is becoming a decisive factor for modern banks.
Ambra Rehm
December 29, 2025
With the introduction of NIS-2 by the EU, security requirements for operators of critical infrastructure (such as banks and insurance companies) and digital service providers have been significantly tightened. This is what banks and insurance companies can expect.
Michael Poprat
December 02, 2025
Digital banking services have long been part of everyday life across all generations. Younger users drive innovation, while older users bring trust and continuity. And in between, a market is emerging where user-friendliness, security, and accessibility make all the difference.
Ambra Rehm
October 28, 2025
Since October 2025, banks and payment service providers in the EU have been required to check whether the name and IBAN match before each SEPA transfer using Verification of Payee (VoP). For e-commerce merchants, this means that VoP protects payments but can slow things down if the data is not consistent. We explain how VoP works and how merchants can make their payment data VoP-compatible.
Ambra Rehm
October 16, 2025
Server housing, also known as colocation, refers to the operation of servers in a professional data center. This infrastructure is crucial for banks, insurance companies, and e-commerce businesses. Digital processes must run smoothly at all times, meet regulatory requirements, and be able to grow flexibly.
Ambra Rehm
October 06, 2025
In Germany, around 13 million people benefit from barrier-free services – a figure that impressively illustrates the social leverage of accessibility. We want to have a look at the opportunities that accessibility opens up for banks – and why best practices such as photo payment are already proving to be successful solutions today.
Ambra Rehm
September 02, 2025
Gini operates its infrastructure and AI services exclusively on servers in certified data centers in Germany. This systematically prevents data flows to third countries and ensures that sensitive content remains under control at all times.
Michael Poprat
August 04, 2025
We have collected tips that can help you optimize your checkout. All tips can be implemented in just a few steps - and have a direct impact on your payment costs.
Martin Meinert
July 09, 2025
R2P + SCT Inst is finally a user-friendly payment method par excellence. The payment arrives in seconds, can be automatically booked and assigned - and the entire dunning process becomes much more efficient.
Ambra Rehm
June 13, 2025
Supplementary health services bring numerous benefits to both policyholders and private health insurers. In addition to the health of the insured, the cost savings are an important factor.
Jonathan Lange
May 09, 2025
Although direct debit is a practical procedure and not unknown, it is not very popular with customers. This is mainly due to its lack of user-friendliness.
Ambra Rehm
December 03, 2024
The coming year will bring far-reaching changes for the healthcare industry due to new legal requirements. It is important for all players in the industry to prepare in good time in order to make the most of the opportunities offered by digitalization and meet future requirements.
Gelena Artemenko
November 14, 2024
In highly regulated industries such as banking and insurance, the C5 certificate has become the gold standard for compliance and security and represents a trustworthy benchmark.
Gelena Artemenko
October 31, 2024