The web was initially designed to be a playground for all. However, at some point, we forgot to invite everyone to the party. As a company that works on digital products, we have both the power and the responsibility to change this narrative – and help others who face similar situations.

In 2024, we experienced global instability but also major shifts in consumer spending across different age groups and rapid technological innovation in various areas. Some of them are sustainable practices, AI-driven personalisation, and omnichannel shopping.

The European Union’s Instant Payments Regulation (IPR) is poised to transform the payments landscape by making instant payments the new norm for euro-denominated transactions. This initiative aims to foster financial inclusion and accelerate innovation across the region. The key deadlines for it are January 9 and October 9, 2025.