Hamna Zain
Barrister and corporate counsel
Contributes expert analysis on cross-border regulation, payment compliance, digital fraud risk, and financial governance. Brings 14+ years of experience advising fintechs, SaaS platforms, and international businesses.
About the author
Hamna Zain is a UK-qualified Barrister and corporate counsel with over 14 years of experience advising startups, fintech companies, SaaS platforms, and international businesses on cross-border transactions, regulatory matters, digital payments, fraud risk, compliance, and commercial contracting. She has worked with multinational corporations and high-growth businesses across Europe, the UK, the Middle East, and the US, supporting clients on payment regulation, governance, dispute-risk management, and operational legal strategy. In addition to advisory work, she also conducts corporate training on compliance, risk management, and contract strategy for global teams.
Crypto Card For Freelancers: Why More Freelancers Are Quietly Switching From Bank Transfers
Three freelancer friends told me the same thing in two weeks. A designer in Karachi. A developer in Buenos Aires. A copywriter in Lisbon. Different time zones, different work, same fix: they had stopped relying only on international bank transfers and were using app-based payment products to receive crypto income, convert it into fiat, and spend through ordinary payment rails.
The EU’s Digital Euro: What It Means for Banks, Fintechs, and Consumers
Something shifted in European payments between last December and now, and most people missed it.
EEU Payment Regulation 2026: How PSD3 Changes Fraud Protection for Users and Fintech Apps
EU payment regulation 2026 will introduce major changes in how fraud prevention, payment verification, and consumer protection operate across the European payments ecosystem. These reforms aim to strengthen safeguards before money leaves a consumer’s account and increase accountability for payment service providers, fintech apps, and online platforms operating across the EU financial system.
