Journal
Insights from the inside of European banking
Original writing on SEPA, SWIFT, crypto regulation, business banking, and the fintech landscape — from the team at Nedsom.
Compound interest for savers: the only investment lesson most people need
Compound interest is called the eighth wonder of the world for a reason. A short practical lesson, with the numbers that make it obvious.
Read articleAI and fraud detection: what is actually working for banks in 2026
Every bank marketing deck in 2026 claims AI-powered fraud prevention. Behind the hype, there are a handful of techniques that actually move the needle. Here is the working set.
ETFs for beginners: what they are, why they dominate, how to pick one
In 2026, ETFs account for most new retail investment flows in Europe. A short primer on what makes them different from mutual funds and individual stocks.
Open banking vs traditional banking: the gap has mostly closed
Five years ago, neo-banks were a convenience novelty — great for travel, questionable for a mortgage. In 2025, that gap has substantially narrowed. Here is what is left of it.
Pay-by-bank at checkout: the quiet alternative to Visa and Mastercard
A growing share of EU online checkouts offer bank-to-bank transfer as a payment option. Why merchants love it, why banks are pushing it, and what it means for you.