In early October, The Amsterdam Fintech Event 2025 (#AFE25) brought together professionals, entrepreneurs, investors, and fintech enthusiasts from around the world for three dynamic days of engagement. Unlike traditional conferences, AFE25 focused on creating an informal and interactive atmosphere, encouraging participants to engage in meaningful conversations and explore innovative ideas shaping the future of financial technology.  Jointly organized by the Holland Fintech A

By Sergey Lebedev, Co-Founder of Torus Imagine navigating a labyrinth where each turn presents a new fee, regulation, or payment method. This is the reality for acquirers today, making it essential to adopt transparent and precise pricing models. Since there is no fixed algorithm or method for allocating payment network fees to transaction levels, this underscores the need for acquirers to optimize their fee management strategies. This article explores how the Interchange++ (

Author: Sandra Danciu (Associate) with the review of Rebecca Marina (Counsel), Filip & Company The onboarding process has traditionally been a functional exercise: collecting personal details, verifying identity, running checks, setting up accounts. Now, in the pursuit of faster and smarter client journeys, financial companies are leaning heavily on artificial intelligence (AI): deploying facial recognition, automated document checks, digital signatures, and instant risk scor

1.Introduction DORA By Pierre E. Berger, Guus Elsbeek, Delphine Goens - DLA Piper The increasing digitalization of the financial sector has led to a significant reliance on ICT systems, which in turn introduces new risks to the resilience, performance and stability of the European financial system. This development prompted the introduction of the Digital Operational Resilience Act (DORA) in 2020, which entered into application on January 17, 2025.[1] As technology and (fin)