Category Archives: Fintech

Payment Infrastructure as a Strategic Asset: Balancing Sovereignty, Resilience, and Innovation

By | August 24, 2026
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Introduction In today’s increasingly interconnected financial ecosystem, payment infrastructure has evolved beyond a technical backbone into a strategic national asset. It underpins economic activity, enables financial inclusion, and shapes the resilience and competitiveness of entire economies. I hosted at Montran Africa Summit an recent expert panel featuring representatives from SWIFT and central banks and national… Read More: Payment Infrastructure as a Strategic Asset: Balancing Sovereignty, Resilience, and… »

Building a Self-Hosted Family Financial Hub: Wealthfolio, Actual Budget, and Authentik Behind a Unified Services Portal

By | August 23, 2026
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Modern family life comes with fragmented financial tools: checking accounts across different institutions, investment portfolios, retirement funds, kids’ allowances, and subscription trackers. Handing all this data to commercial SaaS platforms often means accepting recurring subscription costs, privacy compromises, and third-party tracking. I was looking also for a way to have a global look on all… Read More: Building a Self-Hosted Family Financial Hub: Wealthfolio, Actual Budget, and… »

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

By | May 12, 2025
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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: AI take on: Top 10 reasons why IT sucks in… »

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

By | October 8, 2024
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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: Gold Reddit Comments: Top 10 reasons why IT sucks in… »

My notes from #Sibos2021 #banking #fintech

By | May 12, 2025
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This year, SIBOS was held yet again as an online conference in October. This is in fact a good thing because more people can participate and you are not stuck at your company booth :), so in fact you can attend all the interesting topics. So here are my notes of things that caught my… Read More: My notes from #Sibos2021 #banking #fintech »

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

By | May 12, 2025
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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: Filter #XML Documents using #XPATH2 Transforms for signature digests #banking… »

Two e-mails that changed the world #linux #bitcoin #future

By | November 2, 2021
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Sometimes world changing grandiose events have very humble beginnings and can be seen at their time as something of not importance. I love how Internet is able to “record” this birthday of world changing cascading events with simplicity and ease. This was never the case in history. We read in history books only post factum… Read More: Two e-mails that changed the world #linux #bitcoin #future »

#Bitcoin #LightningLabs white paper and my financial advices #Bitstamp #Muun

By | August 24, 2021
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This is my small contribution to the decentralized finance. Bitcoin is a future store of value. Bitcoin is not a traditional currency. Lightning Labs is a breath of fresh air for Bitcoin as a medium for exchange of value. I am a Bitstamp customer. Muun wallet very clean UX, simple, supports lightning protocol and interesting… Read More: #Bitcoin #LightningLabs white paper and my financial advices #Bitstamp #Muun »