Why Malta Became a Hub for Fintech and Digital Finance
Ask ten founders why they licensed in Malta and you will hear ten variations of the same answer...
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Cashback vs Points vs Miles: Which Rewards Actually Pay Off in Europe?
Reward cards are easy to compare on earn rate and hard to compare on anything else. A card quoting 1 point per euro looks like a near match for one paying 0.5% cashback, yet realised returns can differ threefold.
Why Malta Became a Hub for Fintech and Digital Finance
Ask ten founders why they licensed in Malta and you will hear ten variations of the same answer...
Agentic Commerce Explained: What Happens When AI Agents Start Paying for You
Agentic commerce is the shift from you asking “buy” to an AI agent doing it for you — finding the product, choosing it, and paying on your behalf. It was the loudest theme at Money20/20 Europe this year, on the stage and on the floor.
Blackcat at Money20/20 Europe 2026: Fixing Correspondent SEPA Access for Financial Institutions
At Money20/20 Europe in Amsterdam, one question kept coming up at our stand: how does a regulated financial institution actually connect to the euro rails it depends on? It sounds simple. In practice, it is one of the hardest problems a new payments or crypto firm faces in Europe.
Rise of business financial services in the EU and how Non-Banks (NBFIs) are winning the payments race
Financial services are undergoing a true transformation, and at the heart of this shift lies embedded finance, a concept that should go beyond the capabilities of open banking in order to redefine how businesses and consumers interact with business financial services.
Next chapter in Open banking: What businesses, fintechs, and consumers should expect
Open banking future is here, and it’s already truly reshaping how we manage, move, and make sense of money at great pace.
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How to Build an Emergency Fund Without Tracking Every Coffee
You've decided you want an emergency fund. You've also tried, at least once, to track every euro you spend to get there – and it lasted about eleven days before the receipts, the app notifications, and the guilt about a spontaneous coffee all became too much to keep up with.
Why a 12-Month Fixed Term Deposit Is the Wrong Tool for a Short-Term Savings Goal
You're saving toward something with a rough date attached – a wedding deposit, a house move, a career break – somewhere under a year out. In this scenario, an ad promising up to 3% annually on a 12-month fixed term deposit looks tempting.
Cashback vs Points vs Miles: Which Rewards Actually Pay Off in Europe?
Reward cards are easy to compare on earn rate and hard to compare on anything else. A card quoting 1 point per euro looks like a near match for one paying 0.5% cashback, yet realised returns can differ threefold.
Freelance Crypto Payments: Top 5 Mistakes to Avoid
More clients now pay freelancers in crypto. Some run on it entirely — web3 companies, crypto projects, agencies whose own customers pay them that way — and increasingly an ordinary client just asks whether they can settle the invoice in USDC or Bitcoin.
Why Malta Became a Hub for Fintech and Digital Finance
Ask ten founders why they licensed in Malta and you will hear ten variations of the same answer...
Euro Card for Everyday Spending in Europe: What to Check
Most of us choose a card for reasons that have nothing to do with how it performs: the colour, a headline cashback number, the word free. Or follow our friends' choice.
The Voices of Fintech Innovation
Meet the analysts, engineers, and strategists behind Blackcat. Our team combines decades of experience in traditional finance and decentralized
Chief Technology Officer
Chief Technology Officer at Blackcat, driving product development and technology optimisation. Ex-PrivatBank, First Swiss Card, and the Association of Commercial Banks of Latvia. He holds a Doctor of Science degree, won PayTech Leadership in 2023, and is FERMA rimap® certified.
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Payment & FinTech consultant
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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Barrister and corporate counsel
UK-qualified barrister and corporate counsel with over 14 years advising startups, fintech companies, and SaaS platforms on cross-border transactions, digital payments, fraud risk, and compliance.
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Product & Growth Manager at Blackcat
Covers payment infrastructure, feature updates, and real-world use cases of digital financial services for users across Europe and the UK.
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Financial Editor at Blackcat
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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