Peppa Insights

Perspectives on enterprise payments, value orchestration, and the future of trusted financial infrastructure.

Strategy

Build or Buy? The Real Cost of Settlement Logic for UK and European B2B Platforms

Splitting a payment is the easy part. For UK and European B2B platforms, the real cost of settlement logic is exception handling, reconciliation and audit — and it should shape the build-or-buy decision.

3 min read
Strategy

The Programmable Corporate Account: Turning Bank Accounts into Business Infrastructure

Corporate bank accounts could do more than receive and send money. Discover how programmable settlement rules can help banks build more intelligent transaction banking services.

3 min read
Strategy

Beyond Virtual Accounts: How Banks Can Monetise Programmable Settlement Services

Virtual accounts help banks organise money. Programmable settlement services create new opportunities to monetise how corporate funds are allocated, controlled and released.

3 min read
Trade Finance

Programmable Settlements in Cross-Border Trade: Connecting Payments to Commercial Milestones

Cross-border trade involves more than moving money between countries. Explore how programmable settlement orchestration can connect payment allocation and release to agreed commercial milestones, giving banks and businesses a more controlled way to coordinate trade transactions.

3 min read
Use Cases

When Getting Paid Is Only Half the Job: Programmable Settlement in B2B Wholesale

See how construction wholesalers can coordinate customer payments, supplier obligations and conditional payouts with programmable settlement—and why product teams should weigh the cost of building this infrastructure in-house.

9 min read
Architecture

Programmable Settlement, Explained

How conditional settlement rules let multi-party platforms release funds only when agreed conditions are met — without building payment logic in-house.

2 min read
Strategy

The Hidden Cost of Payment Fragmentation in Enterprise Stacks

Why every new payment rail, wallet and ledger adds compounding risk — and how orchestration middleware turns that risk into a competitive advantage.

2 min read