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Home | Authors | Mikhail Hamilton
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Mikhail Hamilton

Mikhail Hamilton specializes in E-Commerce, Digital Lending, and Digital Payments. Passionate about the expansion of these industries, Mikhail's work is credited with having helped businesses in these sectors grow, develop their teams, and deliver outstanding results. 
SEPA OLO/OCT Instant Scheme: Revolutionizing Global Payments
Digital Lending / Digital Payments
SEPA OLO/OCT Instant Scheme: Revolutionizing Global Payments

In the ever-evolving landscape of global finance, seamless and instant payment solutions have become critically essential for businesses and individuals alike. The European Payments Council (EPC) has responded robustly to these expectations with its innovative One-Leg Out (OLO) instant credit transfer payments scheme. This initiative, poised to reshape the contours of international transactions, integrates unparalleled efficiency in handling multi-currency payments

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April 22, 2025
Are Digital Wallets the Future of Global Payments?
Digital Lending / Digital Payments
Are Digital Wallets the Future of Global Payments?

Nikolai Braiden, an early adopter of blockchain, is an expert in FinTech. He firmly believes in the transformative potential of financial technology in reshaping digital payment and lending systems. With extensive experience advising startups on leveraging technology for innovation, Nikolai has seen firsthand the seismic shifts in the industry. Today, he shares his insights into the rapidly evolving world of

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April 22, 2025
Expanding LatAm Access: Spreedly and EBANX Boost Local Payments
E-Commerce
Expanding LatAm Access: Spreedly and EBANX Boost Local Payments

Latin America (LatAm) is experiencing a significant surge in digital commerce, characterized by an increasing preference for alternative payment methods. This growth presents opportunities for fintech companies to expand and cater to the diverse payment preferences across the region. Amid this evolving landscape, Spreedly, an open payments platform, has joined forces with EBANX, a global payment service provider, to offer

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April 22, 2025
Klarna and Clover Partner to Revolutionize In-Store Payments
E-Commerce
Klarna and Clover Partner to Revolutionize In-Store Payments

Klarna, an AI-powered payments and commerce network, has announced a strategic partnership with Clover, a leading point-of-sale system, to integrate Klarna’s flexible payment options into over 100,000 merchant locations across the United States. This collaboration aims to bring Klarna’s interest-free installment plans and other payment methods to local shops and service providers through Clover devices. Consumers can now benefit from

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April 21, 2025
Will Digital Wallets Dominate Hong Kong’s Payments by 2030?
Digital Lending / Digital Payments
Will Digital Wallets Dominate Hong Kong’s Payments by 2030?

Digital wallets are set to dominate Hong Kong’s payment ecosystem by 2030, according to Worldpay’s report. These wallets are projected to account for 45% of online transaction value and 48% of in-store transactions, a significant shift from a decade ago, when credit cards were the predominant method. The usage of credit cards is expected to drop to 32% for both

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April 21, 2025
Digital Wallets Boost Cross-Border Payments with Fast Transactions
Digital Lending / Digital Payments
Digital Wallets Boost Cross-Border Payments with Fast Transactions

The increasing adoption of digital wallets for cross-border transactions marks a significant shift in international payment preferences. A comprehensive report by PYMNTS Intelligence and TerraPay underlines this trend, revealing that 42% of participants from the United States, the United Kingdom, Saudi Arabia, and Singapore now prefer digital wallets over traditional payment methods for international transfers. The growing trend towards digital

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April 21, 2025
Can Tokenized Credit Revolutionize Investing and Lending?
Digital Lending / Digital Payments
Can Tokenized Credit Revolutionize Investing and Lending?

Financial markets are witnessing a significant shift with the emergence of tokenized credit, a concept that transforms conventional credit products like loans, bonds, and debt instruments into digital tokens on a blockchain. This innovative approach is reshaping the financial sector by democratizing access to investment opportunities, boosting liquidity and transparency, and addressing long-standing industry barriers. The purpose of this analysis

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April 21, 2025
How Secure Are Online Payment Systems in 2025?
Digital Lending / Digital Payments
How Secure Are Online Payment Systems in 2025?

In an era where every purchase and money transfer can be completed with a few clicks or swipes, the security of online payment systems has become a paramount concern. As the world fully embraces the digital economy, questions arise: How secure are these systems that we rely on daily? What protections exist against increasingly sophisticated cyber threats? The volume of

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April 21, 2025
IDEMIA and NAPAS Enhance Vietnam’s Digital Payment System
Digital Lending / Digital Payments
IDEMIA and NAPAS Enhance Vietnam’s Digital Payment System

In a significant move towards modernizing Vietnam’s digital payment landscape, IDEMIA Secure Transactions has partnered with the National Payment Corporation of Vietnam (NAPAS) with a goal to transform and enhance the country’s payment infrastructure. The collaboration employs IDEMIA’s advanced Token Platform within the NAPAS network that encompasses more than 40 banks across the nation. This initiative primarily caters to Vietnam’s

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April 21, 2025
IDEMIA and NAPAS Enhance Vietnam’s Digital Payments with Tokenization
Digital Lending / Digital Payments
IDEMIA and NAPAS Enhance Vietnam’s Digital Payments with Tokenization

In a strategic effort to enhance Vietnam’s digital payment landscape, IDEMIA Secure Transactions (IST) has partnered with the National Payment Corporation of Vietnam (NAPAS). This collaboration aims to integrate IST’s Token Platform into NAPAS’s network, which includes over 40 banks, providing a more streamlined and user-friendly payment experience. The integration will enable NAPAS to meet the increasing demand for contactless

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April 18, 2025
Central Banks Unite to Launch Global Real-Time Payments Network
Digital Lending / Digital Payments
Central Banks Unite to Launch Global Real-Time Payments Network

The ambitious Project Nexus, a major initiative under the Bank for International Settlements (BIS), is poised to revolutionize the global payments landscape by interlinking domestic real-time payment systems. With a vision to provide a centralized connection for instant payment networks worldwide, Project Nexus leverages ISO 20022 message specifications and specialized APIs. Following a successful proof-of-concept trial in 2022 involving the

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April 18, 2025
Payment Orchestration: A Necessity for E-Commerce in APAC
E-Commerce
Payment Orchestration: A Necessity for E-Commerce in APAC

E-commerce in the APAC region is evolving rapidly, with digital commerce seeing unprecedented growth. This expansion brings with it a myriad of payment methods, creating complexities for merchants striving to deliver optimal checkout experiences. To navigate these challenges, payment orchestration platforms have become essential tools for e-commerce businesses. The Boom of Digital Commerce in APAC Surge in Online Shopping The

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April 18, 2025