Whitepaper: SEPA Request-to-pay in e-commerce

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Why customers leave their bank for international payments — and what it takes to win them back

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

Photo Payment: Raising the Bar with Micro-UX and Smart Assistance

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 and Document AI: The Foundation of Structured Data for AI Systems

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