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Articles in Tech & Open Banking
Showing 9 of 19.
What Is cVRP? The New Open Banking Payment Method Set to Replace Direct Debit for Some Bills
UK open banking hit another record in June 2026, with the ecosystem recording 2.81 billion API calls, up 4.4% month on month and the highest monthly volume to date. Behind that headline number sits a...
FCA Warns AI 'Agentic' Systems and Synthetic Data Could Make Fraud Invisible
The Financial Conduct Authority (FCA) has issued one of its starkest warnings yet about artificial intelligence: autonomous "agentic" AI systems and AI-generated synthetic data could soon make...
The UK's E-Invoicing Mandate Starts in 2029 — Why VAT-Registered Businesses Should Start Now
Three years might sound like plenty of time, but the UK's move to mandatory electronic invoicing is a bigger structural change than it first appears — and the government has just confirmed the...
If Your Accountant Files Your Tax Return, This 31 July Deadline Affects You Too
HMRC is rolling out mandatory multi-factor authentication (MFA) across every agent account — the login accountants and tax agents use to manage your Self Assessment, VAT and PAYE on your behalf. If...
Open Banking Passes 16.5 Million Users as the FCA Plots Its Next Phase
Eight years after open banking launched in the UK, it has quietly become mainstream infrastructure. There are now more than 16.5 million active user connections across the UK, supported by 145...
Chargeback vs Section 75: Which Gets Your Money Back Faster?
When a purchase goes wrong — the company folds, goods never arrive, or a service isn't as described — most people don't know they may have two separate routes to a refund, with very different rules.
HMRC's New MFA Deadline: What Sole Traders and Small Businesses Must Do Before 31 July
If you or your accountant logs into HMRC's online services to manage your tax, a security deadline is approaching that's easy to miss but expensive to ignore.
Open Banking's Next Phase: Variable Recurring Payments Explained
Open banking is moving into a new phase this year, and the part worth understanding is Variable Recurring Payments (VRPs) — a technology that could quietly replace a lot of the direct debits and card...
FCA's Mills Review: How AI Could Reshape Your Finances by 2030
The Financial Conduct Authority has published what it says is the first review of its kind by any regulator globally: a look at how artificial intelligence could reshape retail financial services by...