Category Archives: Fintech

AI take on: Top 10 reasons why IT sucks in Europe

By | May 12, 2025

In my previous post https://blog.voina.org/gold-reddit-comments-top-10-reasons-why-it-sucks-in-europe/ I already presented the best Reddit post about the hot topic of EU lagging behind in innovation and technology due to red tape and over-regulation. Just for fun I asked the new AI model from Nvidia, the open sourced “nvidia/Llama-3.1-Nemotron-70B-Instruct-HF”, what is its opinion about the topic. The result top… Read More »

Gold Reddit Comments: Top 10 reasons why IT sucks in Europe

By | October 8, 2024

Lately a hot topic in EU was raised by some politicians like Mario Draghi and president Macron of France about the lack of competitiveness of the European economy. Mario Draghi in EU competitiveness: Looking ahead is criticizing EU as being over regulated and against innovation and free initiative. Macron was even more direct: “The EU… Read More »

Filter #XML Documents using #XPATH2 Transforms for signature digests #banking #fintech

By | May 12, 2025

While working with XML Documents and trying to implement the XMLSignature I hit the issue of filtering what to sign from an XML. The basic documentation of the from XML signature standard XML Signature Syntax and Processing Version 1.1 describes several methods that can be used to transform an XML to prepare it for signing.… Read More »

Learn #banking, #fintech and #payments jargon: Money

By | August 11, 2021

Money Definition: Money is any object that is generally accepted as payment for goods and services and repayment of debts in a given context. Details: The main functions of money are distinguished as: a medium of exchange; a unit of account; a store of value; and, occasionally, a standard of deferred payment. Money evolved over… Read More »

#fintech #security Implement a simple #SCA algorithm for your #B2B #API implementation.

By | August 19, 2021

Strong Customer Authentication (SCA) is a new European regulatory requirement as part of the second Payment Services Directive (PSD2) for authenticating online payments and make them more secure. There are some actions such as funding a transfer from your balance or viewing the statement that require SCA within the UK and EEA. SCA builds additional… Read More »