Tag
Fintech
9 posts
Fintech regulation, open banking, MiCA, DORA and financial technology in Spain.
Real-Time Fraud Detection Architecture: A Production Guide
End-to-end architecture guide for real-time fraud detection: latency budgets, feature engineering, ML models, PSD2/SCA compliance, and build-vs-buy decisions across payments, e-commerce, telco, and insurance.
Real-Time Payment Reconciliation: The Complete Guide
A complete technical guide to real-time payment reconciliation: reference architecture, matching strategies, canonical transaction model, multi-rail considerations, and build-vs-buy analysis for finance and engineering leaders.
Real-Time Payment Reconciliation: Architecture and Lessons
Real-time payment reconciliation architecture. Event-driven matching, exception handling, audit trails, and accounting integration from production experience.
Banking and AI: Real-Time Fraud Detection
Feature engineering for transactions, model architectures, real-time scoring, and false positive management in banking fraud detection.
Fintech Compliance: Building Regulatory Reporting Infrastructure
Regulatory reporting infrastructure for fintech. Data aggregation, real-time reconciliation, audit trails, and automated submissions. MiCA, DAC8, PSD2.
Fintech Legislation in Spain: Sandbox, MiCA and DORA in One Map
Complete regulatory map for fintech in Spain: sandbox, MiCA for crypto-assets and DORA for digital resilience. Deadlines and compliance roadmap.
Open Banking in Spain: Technical Opportunities for 2025
PSD2 opened banking APIs. In 2025 the technical opportunity for fintechs and Spanish companies lies in real integrations, not minimum compliance.
DAC8 Spain 2026: Crypto Reporting Deadline and XML Schema
January 2026 deadline for DAC8 crypto reporting in Spain. CARF XML schema requirements, mandatory fields by transaction type, and what the 120 registered CASPs must prepare.
MiCA Takes Effect: What Changes for Spanish Fintech
MiCA became fully applicable on December 30, 2024. We break down the concrete obligations for fintech companies operating in Spain.