DECTA

Hello from the eCommerce Forum Our team — Chris Taylor, Madina Mamedova , and Eber Guerrero — is on site today, meeting great people and talking all things eCommerce payments. If you’re around, let’s connect. #FEeCommerceForum #Payments #eCommerce #Fintech #DECTA

Next week, DECTA will be exhibiting at the eCommerce Forum. Join us on 5 February to talk smarter payments, growth, and everything that helps eCommerce businesses scale with confidence. Meet our team there: Chris Taylor , Madina Mamedova and Eber Guerrero #FEeCommerceForum #eCommerce #Payments #Fintech #DECTA

Payments scale best when infrastructure is built to adapt. A modular payment infrastructure allows fintechs, PSPs, and financial institutions to evolve without rebuilding core systems every time requirements change - whether that’s new markets, new payment methods, or new compliance demands. By separating key components like the payment gateway, smart routing, fraud and risk, compliance, FX, billing, and analytics, modular architectures give teams more control, faster time to market, and long-term flexibility. We’ve broken down the core components, benefits, and real-world use cases of modular payment infrastructure in our latest article. 👉 Read more: https://lnkd.in/dsHXTbHQ

Three days. One city. A lot of payments talk. ICE Barcelona came to a close with Sandeep Haer, Maicon Caltiano and Craig May making the most of the final day, supported by our wider DECTA team — Aleksejs Korneluks, Aleksis Gulbis, Vicky D., Andrii Azhynov and Ewa Kuczynska — working their magic in the background. Great conversations, strong connections and plenty of reasons to head home inspired. That’s a wrap on ICE Barcelona. #ICEBarcelona #Payments #Fintech #DECTA #ICEB2026

ICE Barcelona is on — and the DECTA team is in full force. Sandeep Haer and Craig May are on the ground (yes, Craig kept the jacket), while Maicon Caltiano, Aleksejs Korneluks, Aleksis Gulbis, Vicky D., Andrii Azhynov and Ewa Kuczynska are also somewhere between meetings, catch-ups and great conversations. Barcelona is busy. Payments even more so. #ICEBarcelona #Payments #DECTA #Fintech #ICE2026

Behavioural insights intersect with payments adoption, so it’s not enough to build better technology; we must bring people with us on the journey. In his latest piece for The Green Sheet, UK CEO Scott Dawson explores how well-intentioned initiatives like changing contactless limits can trigger disproportionate public anxiety. So how do we push forward without spooking the very people we are trying to serve? The answer lies in empathy, clarity and trust; by recognising consumer fears, explaining safeguards plainly and committing to ongoing education, the payments industry can ensure innovation is welcomed rather than resisted. Read more here: https://lnkd.in/epk-5vmc #Payments #FinTech #Innovation #Contactless #Anxiety

The recent two-hour disruption at Monzo Bank served as a high-profile case study in the fragility of modern banking. While thousands of customers faced degraded performance, there was a silver lining in the engineering. Our UK CEO, Scott Dawson, recently shared his perspective with American Banker on what the industry can learn from this incident. He highlighted Monzo’s proactive use of a "back-up bank"—a critical engineering feat that kept card payments and cash withdrawals functional even while core systems were down. "Yesterday's outage outlines how critical reliability has become. In an era where digital banking is the default, we must move away from brittle legacy architectures toward true resilience." At DECTA, we believe that payments processing should be invisible and infallible. Resilience isn't just about fixing what breaks—it's about engineering systems that don't fail in the first place. Read the full discussion and Scott's analysis here: https://lnkd.in/eGBq3bgs #Fintech #PaymentsProcessing #BankingTech #Resilience

What a Way to Start 2026! Our UK CEO, Scott Dawson, attended yesterday's PA@Westminster event at the House of Commons, where TPA presented The Payments Manifesto 2026. It's not every day you discuss the future of payments in such an iconic setting! The event brought together industry leaders to explore innovation and the strategic direction for UK payments. Thanks to The Payments Association and Cardaq for hosting such an insightful start to the year. #ThePaymentsAssociation #Payments #Innovation #DECTA #FinTech

The MiCA framework has already reshaped the euro-stablecoin market—and the shift is measurable. In the 12 months before MiCA, total peak market capitalization across major euro-pegged assets fell 48%, driven by contraction in late 2023. In the 12 months after MiCA, that trajectory reversed entirely: capitalization grew 102%, with acceleration visible from early 2025 onward. Regulatory certainty is proving to be a decisive factor in market recovery and renewed growth. Read DECTA’s full analysis: https://lnkd.in/dpn94MBN

As we enter 2026, the fintech narrative continues to be dominated by AI, but beneath the headlines lies a more nuanced industry reality. Our UK CEO, Scott Dawson, breaks down his predictions for the year ahead in his latest article for Finextra. SMEs will continue to face a tough macro environment, regulation will continue to harden, and investment will continue to be selective. But under all of that, the fintechs that concentrate on building durable, simple, reliable infrastructure will be the ones that deliver real value - and they will be the ones that finally break through the noise. Read more here: https://lnkd.in/e2qiRB5Y #Fintech #AI #SMEs #Investment #Regulation #Innovation #2026Trends