Dr Carsten Wengel writes about the fast-evolving world of payments, with a particular focus on how trust, identity and risk management are reshaping the way money moves. His work explores why payments are no longer just about moving funds, but about orchestrating complex systems that must function securely and instantly.

Through his insights, readers can understand how instant payments change the balance of power between banks, customers and new market entrants, and why fraud prevention, identity verification and authorisation now have to operate as a single, real-time trust layer. By reading his stories, you gain a clearer view of the technical, operational and strategic challenges that financial institutions face as payments become a systems problem rather than a simple transaction.