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Payroll fraud is a widespread and costly problem. According to the Association of Certified Fraud Examiners (ACFE), payroll schemes account for around one in ten cases of occupational fraud and
A conversation with Mittelsmann Philipp Sulek GmbH about the importance of tenant creditworthiness checks in residential letting Mittelsmann Philipp Sulek GmbH (www.sulek.immobilien) is a real estate agency based in Vienna.
Seven years ago, a new chapter began in the world of finance. When the PSD2 directive took effect in January 2018 (read all about PSD2 here), it laid the foundation
The new lending regulations are intended to reduce the risk of defaults. Open banking is also expected to play a more central role in the future. Current real estate prices,
The legal tech solution for law firms Preparing a statement of assets (Vermögensverzeichnis) can be a tedious and time-consuming task for law firms and their clients. Drawing up household budgets
Onboarding is one of the most important steps in the customer journey. How it works often decides whether a deal is closed or not. The simpler and more secure it
In this article, we take a close look at the challenges of receivables management for creditors and debtors. We also explore how open banking can help solve these problems and
Update: On 27 November 2025, the Council of the EU and the European Parliament reached a provisional agreement on PSD3 and the PSR. The negotiations on FIDA, by contrast, have