Monthly Archives: May 2026
ISO 20022 Explained: Why Payments Product Managers Should Care
ISO 20022 is a global messaging standard for financial services — a common language for payments systems to communicate with each other. It is replacing the legacy SWIFT MT message format and is being adopted across CHAPS, SEPA, Fedwire, CHIPS and other major payment rails worldwide. For payments product managers, it is one of the…
What Is Open Banking? A Payments Product Manager’s Guide
Open banking is the regulatory and technical framework that requires banks to share customer financial data — with the customer’s consent — with third-party providers via standardised APIs. It is the foundation of a new generation of payment products, from account-to-account payments that bypass card networks to personal finance tools that aggregate data across multiple…
What Is Payment Orchestration? Definition, Benefits, and Examples
Payment orchestration is the layer that sits between your checkout and your payment processors — routing transactions intelligently, retrying failed payments, and giving you a single integration point to manage multiple acquirers, gateways and fraud tools. It has become one of the most important infrastructure decisions for any eCommerce business processing significant volume. Why Payment…
AI Risk Decisioning Platform Design for Financial Workflows
Design principles for AI risk decisioning platforms in financial workflows, with emphasis on transparency, auditability, workflow control, and human review.