Request to Pay and Account-to-Account Payments: An Architecture (2026)
Request to Pay architecture explained: SEPA RtP and Pay.UK messaging, account-to-account rails, open-banking initiation, reconciliation and settlement - a systems deep-dive.
Verification of Payee (VoP): Architecture for EU Instant Payments (2026)
Verification of Payee explained: the EPC VoP scheme under the EU Instant Payments Regulation - IBAN-name matching, the SRTP/API flow, traffic-light results, fuzzy matching and failure modes for APP fraud in 2026.
Open Banking API Architecture: PSD2 to PSD3/PSR (2026)
Open Banking API architecture explained: AISP/PISP roles, strong customer authentication, dedicated interfaces, OAuth/FAPI security and the PSD2 to PSD3/PSR transition - a 2026 systems reference.