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Standardization has been ongoing in payments already for decades. Each standardization step is meant to make payments faster, more seamless, more integrated, etc. but at the same time, the need for more security, which aims at discouraging fraud, leads to making payments more difficult for legitimate users. Commerce is evolving leading payment systems to evolve too. For instance, according to “The Global Retailer’s Handbook” published by Checkout.com, a cloud-based payment s

As 2022 has been a perilous year in the cybersecurity field, analysts look forward anxiously to 2023. Seen from the victim’s side, 2022 has seen a record of cyberattacks against all types of entities, from households to corporations and event countries. An extensive flow of cyber-attacks from Russia against Ukraine happened even before the war was started. Tanks came in from February 24, following the cyberattacks, which increased, from both sides after the war burst out. In

As usual in this period of the year, many analysts present their anticipation of the year to come. The return of war in Europe means that predictions for 2023 are in a totally different context from what they may have been in the past. Of course, we can only wish the end of this horrible war and have thoughts for the innumerable victims. Other global changes affect our industry: we are not yet out of the shortages crisis that occurred in 2022 and the global return of inflatio