Category Archives: Banking

Learn #banking, #fintech and #payments jargon: Available Balance

By | May 13, 2025
0 Comment

Available Balance Definition: The total funds a participant in a payment system has available for settlement of transactions at any moment. Calculated as a total of some pre-defined components: opening balance net value of credits and debits processed but not applied yes usable minimum reserve requirement account limits collaterals (loans, pledged securities, pledged stock options… Read More: Learn #banking, #fintech and #payments jargon: Available Balance »

Learn #banking, #fintech and #payments jargon: Acceptance for Settlement

By | June 17, 2021
0 Comment

Acceptance for Settlement Definition: The moment at which a payment transaction becomes irrevocable as far as the sender is concerned. This is the point at which a transaction passes the tests to determine whether there is sufficient collateral for the transaction to proceed. Details: You have to see this as the last stage of a… Read More: Learn #banking, #fintech and #payments jargon: Acceptance for Settlement »

#balaji list of must read resources for #crypto, #bitcoin, #ethereum

By | June 15, 2021
0 Comment

This post is more like a personal note of the resources indicated by Balaji as a must read if you want to start the journey of understanding crypto currencies and the underlying technology. Mastering Bitcoin Mastering Bitcoin is a book for developers, although the first two chapters cover bitcoin at a level that is also… Read More: #balaji list of must read resources for #crypto, #bitcoin, #ethereum »

My take on #Bitcoin, #ElSalvador and #CBDC

By | November 2, 2021
2 Comments

Starting from 9th of June 2021 #Bitcoin is legal tender in #ElSalvador. This has major world wide consequences and bellow are my takes on this. No country can tax profits from selling #Bitcoin as is no longer an “asset” but a currency. Remember #XRP issues with this topic. The Federal Reserve is investigating Ripple company,… Read More: My take on #Bitcoin, #ElSalvador and #CBDC »

#Banking is changing and we will have to change its meaning in the near future

By | December 27, 2019
0 Comment

All this started with a tweet by Chris Gledhill: I agree 100% with the idea that the whole idea of banking and what it is to be a bank will change completely in the next years. I just looked around what “traditional banks” do at this point, in this era of post 2008 crisis of… Read More: #Banking is changing and we will have to change its… »

Banking 2.0 or the online revolution @imaginecurve #fintech #swag

By | May 6, 2020
0 Comment

As a new found collector of challenger bank accounts the new #fintech Curve (@imaginecurve) it was an obvious must have. When I heard about this “magic” proxy card, one card to hold all your other cards, I was in awe. How natural and simple idea that fit my case perfectly. Due to the new found… Read More: Banking 2.0 or the online revolution @imaginecurve #fintech #swag »

Banking 2.0 or the online revolution #Monese #fintech

By | February 22, 2020
4 Comments

My new collector passion seems to be about new challenger bank accounts 🙂 Yes, now is the turn for Monese. My third online bank after #Revolut and #TransferWise. As I already mentioned in a previous post, banking 2.0 is here. Enrollment is very easy with a video based verification and with a simple upload of… Read More: Banking 2.0 or the online revolution #Monese #fintech »

#PSD2 #Fintech State of #APIs of banks and financial service entities active in #Romania

By | March 23, 2019
0 Comment

Being someone that writes software used by banks around the world as a living, the PSD2 directive is something that was very exciting to me. The idea of being able to access banking data through open APIs not only through sometimes clunky and annoying web pages developed by some banks is something that is very… Read More: #PSD2 #Fintech State of #APIs of banks and financial service… »