OpenPayd Blog

Employees

“Finteching” away while scaling up - the 5-year diary of a payments enthusiast

Five years in, our Head of Customer Success Shahrukh (Shah) Khan looks back at his experience, and what the future will hold.

Whitepapers

Whitepaper: The rise of embedded finance

Embedded Finance is arguably the biggest development in fintech for decades. In this whitepaper we explore its high levels of interest, and the reasons behind them.

Embedded Finance

How to build a Super-app

In order to establish yourself as a super-app in the age of embedded finance, you’ve got to take advantage of what embedded finance is facilitating.

Embedded Finance

Infographic: The unstoppable rise of embedded finance

It’s the most transformative development to finance since online payments. Now embedded finance will radically change how financial services are experienced.

Whitepapers

Whitepaper: Crypto’s embedded finance future

Cryptocurrencies and investments are more popular than ever. So what’s holding them back from even wider adoption?

Embedded Finance

Embedded finance: Who is already benefiting from it? 

All financial services can be embedded, but payments, banking, lending and insurance are currently the industry’s four largest segments.

Open Banking

How Open Banking will supercharge digital wealth management

Open Banking was a breath of fresh air, giving third parties access to personal account information, and the ability to move their money as they wished.

Company

How to build a fintech team in your business

The talent you need is out there, you may just have to dig a little deeper to find it as you build out your first internal fintech team.

Whitepapers

Whitepaper: Embedded payments and the reinvention of customer experiences

Payments is the front-runner of the embedded finance revolution. Our latest whitepaper explores exactly how European brands are embracing embedded payments.

Embedded Finance

Embedded finance: the next big thing in commerce?

Over 10% of companies have launched embedded finance propositions and more than a third expect to launch embedded financial services in the next year.

Crypto

Yes, the crypto financial revolution is coming, but we need a bridge to get there

What in the crypto community often are referred to as on-ramp and off-ramp solutions. No one is building solid and long-lasting ramps.

Embedded Finance

Virtual IBANs: centralising cash and transaction management

Virtual IBANs are just one of the forces that are unlocking international payments for growing businesses. They’re helping to build a world where the transfer of money is faster, safer and more flexible than ever before. 

Embedded Finance

Customer experience: a powerful component of digital transformation

The pandemic has accelerated a tech-first approach to finance, and with Banking-as-a-Service and Embedded Finance gathering speed, the near future looks exciting for both consumers and businesses.

Crypto

Is the UK ready for new forms of digital money?

A CBDC is a digital currency that is issued by a central bank. It is similar to well-known cryptocurrencies in that it operates on a digital-only framework.

Product

Why bulk payment services are a matter of when, not if

Bulk payment services can handle both international payments and domestic payments, making automatic bank transfers via SEPA, Faster Payments, ACH and more.

Product

How API-driven banking is changing finance

APIs are the key component bringing finance into a new era. Banking-as-a-Service, Open Banking and Embedded Finance all rely on API integration, connecting non-financial companies and financial institutions.

FX

Cross-border payments: How friction and fraud can stifle your business

As the global economy becomes increasingly interconnected and the necessity for business FX and cross-border payments increases, there’s an emerging ‘expectancy gap’.

Embedded Finance

How Banking-as-a-Service works: a breakdown

Banking-as-a-Service (BaaS) describes an ecosystem in which licensed financial institutions provide access to their services to non-financial businesses, generally through API integrations.

Embedded Finance

Embedded Finance: will every company become a fintech?

Embedded Finance is taking Banking-as-a-Service a step further, all achieved through API integrations. Are we about to see a plethora of non-financial companies offering financial services?

Open Banking

Open Banking: short history, long future

Open Banking is changing finance. PISPs and AISPs have already made an impact, but Banking-as-a-Service and Embedded Finance will really shake things up.

Employees

FinTech Branding & Design - My Journey at OpenPayd.

All we had at the time was a name and a logo. Everything else was up to me. From a Brand Designer's perspective, it was a golden egg!

Embedded Finance

COVID-19 and Marketplaces

As COVID-19 continues to dramatically affect people around the world, many of us have had to quickly adjust to working from home.

Employees

My lockdown escape: how has flexible working changed my life

The OpenPayd team has shown a tremendous degree of flexibility. I'll be taking advantage of the new flexible working policy, allowing staff to work abroad for 60 days each year.

Employees

Celebrating my 2 years at OpenPayd – Embrace the Journey

I recently marked my second anniversary at OpenPayd. For the first few months, I prepared test scenarios for our native apps and web project (mostly for API and UI).

Open Banking

Open Banking: Account Information Services

AISPs are at the heart of the Open Banking landscape, and many of the first wave of Open Banking-enabled products and services rely entirely on Account Information Services.

Embedded Finance

What are virtual IBANs?

A virtual IBAN (International Bank Account Number) is a virtual account reference number allocated by a banking or payments provider to provide local payment.

Employees

A year and a half at OpenPayd's Product Team

After going live with the MVP, I’ve been entrusted with a number of additional Product areas for the business including CRM (Salesforce), Data & Reporting, and Open Banking.

Employees

My Journey at OpenPayd

Together with other DevOps Engineers, we ensured an impressive uptime of the applications and supported the launch of OpenPayd’s new banking platform.

FX

5 ways CFOs can streamline their global financial operations

An improved business FX strategy can be the best gift a CFO can give themselves. Ending a reliance on a traditional banking partner for cross border payments and FX processes is easier than you think.

FX

Hidden fx charges: How to find them and what can be done

From accessing the mid-market rate available on the wholesale FX markets to multi currency-accounts, business FX issues can be fixed.

Employees

Testing strategies for fintech software: A QA Engineer's perspective

Financial technology (fintech) software will always be in scrupulous need of quality assurance in order to help launch bug-free and highly competitive products.

Embedded Finance

What is Banking-as-a-Service?

Banking-as-a-Service (BaaS) describes an ecosystem in which licensed financial institutions provide access to their services to non-banking businesses, generally through the use of APIs.

Embedded Finance

What is Embedded Finance?

Embedded Finance is the use of Banking-as-a-Service and API-driven banking and payments services to integrate financial services within other environments and ecosystems.

Employees

Top Tips For Working From Home

From routines to communication, we’ve outlined some ideas below and included some activities to keep you fit and healthy in mind, body and soul.

Company

Looking ahead: Our Future of Work policy

At OpenPayd we've devised a Future of Work policy, allowing employees to work from home, the office, and spend 60 days working overseas.