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...risk or regret ? ... What if the real risk is not taking one at all? That question’s been sitting with me lately. Maybe you’ve felt it too—standing at a crossroads, weighing the safe option against the unknown. Whether it’s a career move, a new idea, or a personal change, risk has a way of showing up just when we’re ready to grow. But here’s the twist: Risk rarely feels brave in the moment. It feels messy. Uncertain. Like sitting on the edge of something big and wondering if you’re crazy for even considering it. Still, every meaningful shift I’ve seen started with a risk that felt uncomfortable but necessary. This is for you: 1 | Get clear on what you're actually afraid of How: Write it down. Be brutally specific—fear of failure is too vague. What’s the worst-case scenario, really? Why: When fear is nameless, it has power. When it’s named, it becomes something you can face, plan for, and often realize isn’t as bad as you thought. 2 | Redefine what success means for this risk How: Ask yourself: Even if this doesn’t go “perfectly,” what might I still gain? Why: When growth, clarity, or alignment become your success metrics—not just external wins—risk starts looking a lot less risky. 3 | Remember: staying stuck is its own risk How: Picture your life exactly as it is, six months from now. Still stuck. Still wondering. Why: We overestimate the risk of change and underestimate the cost of inaction. Not choosing is also a choice—with a price. If you’re done overthinking and ready to make a real move—with clarity, confidence, and a little less fear—I’d love to work with you. Let’s talk. One bold conversation might be all it takes to stop circling the edge and finally take the step. Keep growing, Carina Hellmich Int Certified Professional Coach | Mentor | Keynote Speaker | Trainer #authenticity #stressmanagement #selfcare #leadership #linkedinnewseurope #energy #topvoice #linkedin #selfconsciousness #personaldevelopment #coaching #mentoring #selfaware #risk Video credit: (unknown) pm me for credit or removal Writing credit:?Me

Why Do We Keep Coming Back To Revolut, Monzo or Wise? Here are 3 psychological insights by Balint Bogdan to make your digital banking app memorable: 1. Availability Heuristic We think something is common if it’s easy to recall. → Example: Revolut's real-time push notifications make your daily spending highly visible. Because you see it regularly, Revolut becomes your mental reference for spending and budgeting. 2. Endowment Effect We value things more if we feel ownership. → Example: Monzo’s “Pots” let you customise and label your savings. That personal touch makes you feel like it’s truly yours—making you less likely to leave. 3. Peak-End Rule Our memory of experiences is shaped by peak moments and endings, rather than average experiences. → Example: Wise ends every transfer with a clear, satisfying summary of your savings compared to traditional banks. You close the app feeling great every time. Delivering transactions and crafting how those transactions feel are completely different disciplines. These principles help users feel connected, invested, and rewarded.

How Formula 1 makes money? - We see an impressive development of the F1 ecosystem and the associated revenues since years now. Hey Formula 1, in view of the amounts you handle each year, I think it would be a good idea to manage the various flows yourself with an in-house payment institution to rationalized your process and cut in your banking/PSPs fees. Let's talk about it! #Fintech #PSP #Payments

7 Digital Banking Trends Worth Paying Attention to In 2025 Not predictions. Just things we’re seeing across the teams, tools, and platforms we work with. ?? 1. Personalisation is finally becoming useful Still not perfect, but banks are moving beyond "You spent $5 at Starbucks." Clean transaction data + basic machine learning is unlocking actual insights: expected spend, anomalies, nudges. ?? 2. Real-time payments are forcing infrastructure changes Batch is still everywhere. But users expect instant. This means rethinking fraud, reconciliation, notifications, and UX ?? 3. Wallets are replacing the bank app for some use cases And it's not just Apple Pay. Regional wallets are winning. The more banks delay integrations, the more invisible they become. ?? 4. Embedded finance is no longer cool, it’s default You don't need to offer a full marketplace. But plugging into moments (e.g. BNPL at checkout, micro-insurance in travel booking) is becoming standard. ?? 5. PSD3 + eID = cleaner onboarding and stronger user control ?? 6. XaaS, APIs and Cloud Banking everywhere, but quality varies?There’s a race to expose core services as APIs.?The smart ones also focus on developer experience: sandbox, docs, support.?Clean APIs save your product team months. ?? 7. AI is forcing a conversation between product and compliance. It’s easy to build - harder to justify. The AI Act makes explainability, audit trails, and risk classification part of product planning. If you're in product, design, or engineering at a bank or fintech, you're probably already working on one of these. Curious what’s on your radar right now.

What if the next billion people could join the financial system without ever opening a bank account? This far-fetched idea might be behind the discussions between Visa and Sam Altman’s World Network. World Network is a decentralized protocol aiming to rebuild digital infrastructure around real human #identity. What does this mean? -???Designed to support applications like messaging, #payments, and wallets, it offers a new kind of digital backbone with users at the centre. -???At the core of this ecosystem is World ID, a privacy-preserving identity system that verifies a person is uniquely human, enabling trusted interactions without relying on traditional institutions. If the leaks are true, here’s what the partnership could look like: -???Visa integrates with World Network to enable users with verified World IDs to send and receive #stablecoin payments - both within the app and through a Visa-branded card linked to their World Wallet. -???This would allow everyday purchases at millions of merchants, while still running on blockchain rails behind the scenes. It’s basically a bridge between decentralized finance (DeFi) and traditional rails. But why would Visa take this step? -???Global payment networks are racing to adapt as stablecoins potentially emerge as a faster, cheaper alternative to credit cards and wire transfers. -???Visa has already dabbled in stablecoin settlements - experimenting with USDC on Solana and Ethereum - but working with World Network would bring it closer to the end-user. This isn't back-end infrastructure. It is consumer-facing, P2P global money movement. -???World Network offers something unique: identity. The World ID system verifies that a user is a real human, solving one of crypto’s biggest issues - bots and fraud. Pair that with Visa’s brand, merchant reach, and trusted, global infrastructure, and you have a hybrid model: #blockchain-native finance with guardrails and global acceptance. The broader strategic logic? Reinvent the "wallet" as a borderless, compliant, and smart money container - fiat or crypto. In many cases people are more comfortable using everyday apps like WhatsApp than dealing with formal banking systems. If World Chat, World Wallet, and Visa Connect converge, they could create a familiar, accessible experience for moving money - something like a truly global, crypto-native version of WeChat. Here is the prize and it's a big one: relevance in the next generation of payments. So what’s really at stake? Not just who processes our payments - but who owns the interface, the wallet, the identity, the data, and the trust. Opinions: my own, Graphic sources: World Network, BVNK ?????????????????? ???? ???? ????????????????????: https://lnkd.in/dkqhnxdg

HOW TO BUILD A NEOBANK FROM APIs (No banking license required… yet.) Building a bank doesn’t mean building everything. It means knowing which APIs to stitch together — and where to focus. Here’s your starter pack for assembling a full-stack neobank: ?? Digital Ledger - The core of your core. Tracks accounts, balances, and transactions in real time. Think of it as the financial brain powering every tap and swipe. ??? Product Customization - Create savings accounts, overdrafts, BNPL features, or whatever your niche needs — without rewriting everything from scratch. Modular. Scalable. Low-code. ?? API Aggregation - Bring in account info, cards, payments, and third-party data from everywhere your users bank. One point of access. No Frankenstein integrations. ??? KYC & Compliance - Instant onboarding. Real-time AML checks. Plug in RegTech tools that scale with you — from MVP to full license. ?? Treasury & Wealth Management - Investments. FX. Treasury management. You don’t need to be BlackRock — just give your users better control of their money. ??? Fincrime Detection - Real-time risk signals, transaction monitoring, and fraud prevention. ?? Banking Channels - Mobile app, web, cards, virtual assistants — however your customers want to bank, plug it in. ? The APIs speak to each other. ? Webhooks handle events. ? You control the UX. This is how modern digital banking stacks are assembled. You focus on what makes your product different. Not from scratch. Not all in-house. But by choosing the right modules and knowing how they work together. Curious which APIs others are using for each function?

Open Banking in Africa: Infrastructure for Financial Inclusion & Innovation Official Link: https://lnkd.in/gJJi7jDv The latest report from AGPAYTECH LTD. lays out a powerful blueprint for how Africa can leapfrog into the next era of digital finance through Open Banking. With over 500M mobile phone users, growing fintech ecosystems, and rising demand for personalized services, the region is uniquely positioned for transformation. Key Highlights: - Consumers want transparency, seamless payments, and data control - Fintechs are ready - with use cases across lending, #BNPL, #crypto, and more - Governments in #Nigeria, #Kenya, #Ghana & #SouthAfrica are moving forward with regulations - Standardized APIs, cloud infrastructure, and #OBaaS (Open Banking-as-a-Service) are critical building blocks - Open Banking isn’t just about banks - it’s about unlocking real-time, cross-#platform, consumer-centric finance The Future: With the right public-private collaboration and scalable infrastructure, Africa has the potential to become a global leader in inclusive digital finance. #openbanking #fintechAfrica #digitalfinance #financialinclusion #APIs #bankinginnovation #agpaytech #mobilemoney #Africatech #futureoffinance

“???? ?????????????????? 59% (!!) ???? ?????? ???????????? ?????????????????? ???????? ???????? ???????????????????? ???? 2030 — ?????? ?????? ???????????????? ???????? ?????? ????!” That’s one of the key insights from the new ?????????? ???????????????? ?????????? – ???????????? ???? ???????? ???????????? 2025. Based on data from 1,000+ companies, 26 industries, and 14 million workers, the report outlines what’s changing — and what’s coming next. ?????? ????’?? ???????? ?????? ??????????: ???????????????????? ???????????????????????? ???????? ?????????????? ?????? ?????????? ???????????? ???????????? ???????? ???????? ????????????, AI could become a general-purpose technology as transformative as steam engines were in the 19th-century Industrial Revolution.?There are clear signs that over the next?2-3 years, AI will flip business and labor upside down. ?????????????????? ???? ?????? ???????????? ?????? ?????? 10 ???????? ???????????? ?????? 2030 (?????? ???????????????? ???? ???????? ???? ????????????????????):?? 1. ???? ?????? ?????? ?????????? 2. ?????????????????????????? ?????????????????? 3. ???????????????? ?????????????????? 4. ????????????????????, ?????????????????????? ?????? ???????????????? 5. ???????????????????? ?????????????????? 6. ???????????????????? ?????? ???????????? ???????????????????? 7. ???????????????????? ?????? ????????-???????????????????? 8. ?????????????? ?????????????????? 9. ???????????? ?????????????????????? 10. ?????????????????? ?????? ???????????????? ????????????????? Interesting to read that it’s not just about AI and tech — but also about adaptability, creativity, and the human edge that machines can’t replicate. So it's not?just?about mastering AI. It’s about being human — and ready to grow. ?????????? ???????????????? ???????????????? ???????? ?????? ????????????: ? There will be 170M jobs created and 92M jobs lost by 2030. ? 39% of current skills will be outdated. ? AI is both the #1 disruptor and opportunity.? ? Main drivers for this disruption in the job market: tech adoption, climate goals, ESG, demographics. Let’s be honest here: Upskilling is no longer a perk. You're either building the future — or watching it pass you by. ?????? ???? ?????????? ???? ???????? ??????????????? Start learning AI now! Understand the basics of AI and experiment with AI tools in your domain.?Keep learning — AI evolves every day! In my opinion: ???? ???? ???????????????? ?? ?????? ???? ????????????????????, ?????? ???????? ?????? ?????????????????????????? ?????? ???????????? ?????? ?????? ?????????? ???? ??????????! ???? ???? ?????? ?????? ?????????????????? ???? ?????? ?????????????? ???????? ????????????????, ?????? ?????? ???????? ?????????????????????? ???????? ????????????????. ???? ???? ?????? ?????? ???????? ???? ?????? ???????? ?????????????????? ???? ????????????. Full report: https://shorturl.at/7Qv2n

Great leaders don’t sit at the top. They serve from the bottom ?? Servant leadership isn’t about being in charge. It’s about putting your team first and empowering them to succeed. Here’s how it works: The Model: ?? Employees at the top, leaders at the bottom. Leaders serve their teams, not the other way around. What This Achieves: ? Builds Trust – Empathy and transparency strengthen relationships. ? Drives Engagement – Purpose creates motivation and belonging. ? Enhances Performance – Collaboration and shared goals thrive. ? Promotes Growth – Individuals develop skills and confidence. ? Improves Culture – Supportive, people-centred environment. Key Questions for Leaders: ? Growth: What skills would you like to develop further? ? Support: How can I better support you? ? Feedback: What’s one thing I could do better? ? Challenges: What obstacles are in your way? ? Alignment: How do you see your role contributing to our goals? Top 5 Servant Leadership Practices: ? Listen actively to your team’s needs. ? Invest in their growth. ? Empower decision-making. ? Model humility and a service-first mindset. ? Celebrate team success. ?? Remember; Great leaders don’t build empires, they build people. Which servant leadership habit do you need to work on? Let me know in the comments below ?? ------------ For more valuable content, follow me, Sean McPheat and then hit the ?? button to stay updated on my future posts. ?? Repost to help others lead with purpose. ?? Download a high-res PDF of this & 250 other infographics at: https://lnkd.in/eWPjAjV7

Mastercard ???????? — ?? ?????? ???????????????? ???? ?????????????????????? ??????????-???????????? ?????????????????? Traditional cross-border payments are often slow, costly, and lack transparency— issues that can hold back global e-commerce, marketplaces and revenue in general. Mastercard ???????? is stepping up to address these challenges with real-time speed, lower costs, and clear, upfront fees. —— ?????????????????????? ??????????-???????????? ?????????????? ??????????????????: ? ????????/???????? ??????????????????: Secure and widely used, but often costly, slow, and lacking fee transparency. ? ?????????? ???????????????? ?????????????????? (MTOs): Fast and accessible but with high fees and increased fraud risk, especially in cash-based transfers. ? ????????-?????????? ??????????????????????: Essential for areas with limited banking infrastructure, but prone to fraud and higher costs. These legacy systems have long created delays and additional costs for businesses and individuals alike. Now, Mastercard ???????? offers a fresh approach, designed to empower global marketplaces and improve cross-border payments. —— ?????? Mastercard ???????? ???? ?? ????????-??????????????: ? ????????-???????? ????????????????????????: Enables same-day to real-time transfers across 10 billion+ endpoints like bank accounts, wallets, and cash-out locations. ? ???????????????????????? & ????????????????????: Provides clear FX rates, upfront fees, and fast delivery with real-time status updates. ? ???????????? ??????????: Operates in 180+ countries and 150+ currencies, making it accessible to millions. ? ???????????????? ????????????????: Mastercard’s trusted network offers advanced fraud protection, ensuring safer transactions. ??????????????: Imagine a global marketplace enabling vendors in one country to receive payments from international buyers instantly, with lower fees and greater transparency. This improved payment experience means vendors get their funds faster, which strengthens trust and supports growth. eBay / Etsy / StockX / Wayfair / Instacart / DoorDash / Uber —— As the demand for digital payments soars, Mastercard ???????? is setting a new standard for seamless, secure, and fast cross-border payments, positioning global businesses for success! —— Source: Mastercard ? Sign up to The Payments Brews ?: https://lnkd.in/g5cDhnjC ? Connecting the dots in payments... and Marcel van Oost