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Viktoria Soltesz: the Online Payments Pro Teaching Us How Money Moves

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Viktoria Soltesz is a Payment Consultant, BusinessWoman of the Year 2023, and now an Author, with her book “Moving Money – How Banks Think”, being published on all Amazon stores since early January 2024.

Viktoria is the founder and CEO of PSP Angels Group – an independent payment consulting firm with a vast understanding of the payment market, and an extended network of banks and financial providers, offering personalized payment consulting services, helping clients operate their business globally.

In her book, “Moving Money – How Banks Think”, she walks the reader through the history of transactions and financial systems, offers a detailed explanation of basic banking principles, and delves deep into payment solutions, requirements, risk policies, and compliance limitations associated with online payments.

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Viktoria, congratulations on the publication of your book, and thank you for joining us to share more information about it with our readers! In the Foreword of the book, you introduce yourself, detailing your professional background and your fascinating journey into the world of online payments. Can you please give us a short introduction here as well?

My adventure began in England, where I worked for a well-known accounting software company, witnessing firsthand the globalization of financial practices. My move to Cyprus coincided with the adoption of the Euro, offering me unique insights into the island’s financial dynamics. In Cyprus, I started working in accounting and finance, offering tax planning and managing complex global transactions. When I faced various payment and banking compliance challenges, I determined to understand the payment industry and founded PSP Angels, an independent payment consultancy. My goal with the book is to simplify the payment and banking industry, educate businesses about the importance of compliance, and foster understanding between clients and payment service providers.

Blending personal anecdotes, real time stories and my professional experiences, I describe the challenges businesses face in navigating the evolving landscape of online payments. The book aspires to contribute to making online payments more efficient, secure, and understandable, while encouraging open discussions within the industry.

 

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In the book, you speak of “Financial Literacy” and “Payments Literacy”, and how this fundamental knowledge is not taught in schools. Can you give us a brief summary of the key points that businesses should be aware of and take into consideration when setting up their financial operations? What are the basics of “Financial Literacy” and “Payments Literacy”?

Finance is the language of business and understanding the basics of accounting, taxes, and financial expressions is a must for every business. Financial Literacy is the knowledge to manage money effectively, and plan for future financial goals. Knowing the financial terms and concepts helps businesses to make informed decisions regarding savings, investments, and debt. On the other hand, Payments Literacy is often neglected and misunderstood. The concept of “how money moves” globally is not taught in schools, however today all businesses need to understand how to navigate various payment methods, systems, and processes. Payments Literacy encompasses a range of topics related to financial transactions, including online payments, electronic transfers, and traditional banking methods. It is essential for businesses to understand cybersecurity, the various compliance and regulatory environments, plan banking and payments ahead and source and select the relevant providers for these transactions. All international companies need to be aware of diverse payment methods to align with local customer preferences. Payments Literacy is complementing Financial Literacy and they are both vital for effective business operations.

 

As you describe your journey into payments and how the problems you encountered lead to understanding, you share instances of complicated structures, early financial compliance attempts and rigid bank processes around the mid ‘00s to 2010s. How has the landscape evolved by now? Would you say that compliance has found its footing, have the banking and payments processes become more clear and friendly to businesses and consumers alike?

I believe that challenges in payment and banking have become more complex and will continue to evolve. With the increasing shift of businesses to online platforms and their expansion into international markets, complexities in payment and banking processes are on the rise for everyone involved. Maintaining transparency, ensuring compliance, and managing the risks associated with uncertain territories and service providers has become a challenging task. The emergence of new technologies, such as crypto payments, and the variety of currency and asset management options add an extra layer of complexity to these challenges. Not to mention the various cybersecurity and data protection requirements, too. Businesses today not only need to be experts in the traditional financial structures but also have to adapt to the dynamic landscape of digital payments, banking, and payment methods. Successfully addressing these multifaceted challenges requires heightened awareness, strategic planning, and a commitment to staying informed about evolving technologies and about the ever-changing regulatory landscapes.

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How has Fintech played a pivotal role in shaping the evolution of the payment market, and what key contributions or innovations has it introduced over the course of its history?

Fintech became a powerful force reshaping the traditional banking and payment market. Innovations in such a conventional industry was much needed and have significantly improve the efficiency and accessibility of financial transactions. One noteworthy contribution is the introduction of mobile payments, enabling individuals and businesses to seamlessly conduct transactions through their smartphones. This shift to mobile-centric solutions not only simplifies the payment process but also promotes financial inclusivity, reaching individuals who may not have had access to traditional banking services. This has opened up new markets for global trade.

Fintech also brought us the digital wallets and peer-to-peer payment platforms, facilitating fast and secure fund transfers. These innovations have transformed consumer expectations, placing emphasis on speed, convenience, and heightened security in financial transactions. Fintech has driven progress in data analytics, enabling more sophisticated risk assessment and fraud prevention measures. The integration of Application Programming Interfaces (APIs) has played a pivotal role in fostering collaboration between financial institutions and Fintech entities. This interconnected ecosystem has resulted in the creation of diverse financial solutions, ranging from automated budgeting tools to advanced investment platforms.

 

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Speaking of Fintech, in practical terms, how are Blockchain and Cryptocurrencies currently being utilized in everyday applications within the payments system, and what impact are they having on traditional payment methods?

Blockchain and cryptocurrencies, although holding significant promise, currently face challenges in practical application within everyday payment systems. Unfortunately, these technologies have become vulnerable to misuse and scams due to the absence of regulation, undermining their positive potential. Despite their increasing adoption, the tarnished reputation blocks widespread acceptance. In every country, authorities worry that unmonitored transactions may facilitate tax evasion or criminal activities. Although efforts are underway to implement regulations and bring order to the landscape, the current situation remains complex, still providing opportunities for creative individuals to exploit gray areas. The potential benefits of blockchain and cryptocurrencies, such as enhanced security and transparency, are unfortunately still overshadowed by instances of misuse. Achieving widespread adoption necessitates not only technological advancements but also a coordinated effort to address regulatory ambiguities. It is crucial to educate users about the legitimate and responsible use of these innovations. Until a balanced and well-regulated approach is established, the transformative potential of blockchain and cryptocurrencies may be hindered by their association with illicit activities. This underscores the critical need for a comprehensive and carefully regulated integration into mainstream payment systems.

 

Readers will have the opportunity to meet you and get their book copies signed at the Prague Gaming & TECH Summit, on 26-27 March 2024; you will be participating as an expert speaker in two panels: “Navigating the Future: Integrating iGaming, AI, Fintech, and Advertising with Compliance and Data Privacy”, and “Capital Navigation: Expert Strategies for Securing Investment”. Can you give us a sneak-peek of the key points you will be discussing?

In the upcoming discussion, I’ll be sharing practical tips to help the audience navigate common challenges with banking and payment pproviders and their products, digital assets, and other payment methods, mainly present for the iGaming sector. My focus is on providing valuable insights into more cost-effective and secure banking and payment providers. Unfortunately, the iGaming sector is still facing serious payment and banking challenges, and complexities of global fund transfers. I’ll offer advice on executing these transactions in a safer and more economical manner. The aim is to deliver substantial content value to the audience by offering real-life tips and conducting workshops that empower individuals to navigate the intricacies of financial transactions with confidence.

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In ‘Moving Money – How Banks Think, you mention that your goal is to introduce a new approach in both payment planning and execution. What are the key insights that businesspeople and everyday individuals can gain from your book, and in what areas can they seek your professional consultation?

In the book, I’ve distilled years of experience into a practical method outlined in the Strategy section, serving as a step-by-step guide to minimize risk and optimize costs for any online business. My consultancy work aims to bridge knowledge gaps by providing a detailed explanation of basic banking principles and fundamental economic concepts. I assist businesses by offering insights on staying updated about emerging payment and banking trends. My work helps clarifying various aspects and benefits of online payment solutions, positioning for innovation, seizing growth opportunities, exploring global payment methods and their impact on customer satisfaction, acquisition, and retention. I also provide guidance on understanding various regulations and compliance for navigating legal landscapes, ensuring data security and protecting consumer rights. My 20+ years payment and financial experience helps businesses creating effective payment plans for their complex online payment and banking flows. This comprehensive approach is designed to empower businesses with the necessary knowledge and strategic insights to successfully navigate the intricate world of payments.

 

Thank you for your time and this riveting interview, Viktoria! We look forward to seeing you at the Prague Gaming & TECH Summit this March, learn more about the exciting updates in the ever-evolving world of payments, and get our books signed!

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New Gamification Academy at SBC Summit to Present Fresh Approaches to Player Engagement

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With gamification emerging as a driving force in the casino industry, SBC Summit introduces the Gamification Academy, an initiative built to confront pain points in engagement, retention, loyalty, and differentiation by exploring what truly keeps players coming back.

Launched in partnership with leading iGaming turnkey solutions provider Soft2Bet, the Gamification Academy will take place on Tuesday, 16th September, at the Sala Tejo, MEO Arena.

The programme forms part of SBC’s newly introduced Tech Academies,  a series of immersive learning streams designed to arm summit attendees with practical know-how in AI, marketing, Web 3.0 & blockchain, and gamification.

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Delegates can anticipate discussions examining the role of personalisation in driving loyalty, strategies for balancing gamified features with brand authenticity, and honest reflections on both the successes and challenges of gamification in the industry.

“Gamification has transformed how people interact with digital products across industries, and iGaming is no exception,” SBC Founder and CEO Rasmus Sojmark said.

“Players now expect fun, engaging, and rewarding experiences, and that’s exactly what gamification delivers. The Gamification Academy will show the industry how to apply these proven principles to build deeper connections, keep players returning, and create more meaningful player journeys,” he added.

Kicking off the Academy, Soft2Bet’s Chief Product Officer Yoel Zuckerberg will lead the ‘Introduction to Gamification & Player Engagement’ workshop. Setting the stage for the day, the session offers a comprehensive overview of gamification’s power and how it has shaped the industry in recent years.

Chief Business Development Officer Toni Jermaniš (SofaScore), CEO & Co-Founder Josh Jones (Rise & Hustle), and Senior Solutions Engineer Alec Gehlot (Optimove) will focus on the player retention angle through their ‘Why Personalisation is the Key to Retention‘ panel moderated by Soft2Bet’s Chief Business Development Officer Martin Collins.  The session will explore how tailored offers, customisable interfaces, and personalised recommendations are giving players more control over their experience and, in turn, strengthening loyalty and long-term value.

Following a networking break, two case studies will spotlight real-world lessons from gamification, dissecting what works, what doesn’t, and how to measure success.

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First up is the case study titled “Baking in Gamification During Design”, led by Alexis Wicen (CEO, Scatters Group). In this session, delegates can learn how to weave gamification into their products without losing brand authenticity. Drawing on real-world examples, the session will examine where brands have succeeded in integrating gamification into their games and platforms, and where they have fallen short, showing delegates how to approach gamification more effectively in their own projects.

The second case study, ‘The Metrics of Gamification’, will examine where the impact of gamification is most evident and how brands can measure it effectively. Featuring Uri Admon (CEO, Captain Up), the session will cover key factors such as retention, loyalty, engagement, revenue, and player enjoyment, helping delegates understand how to balance player needs with company goals.

The Academy will close with ‘The Five Steps of Gamification,’ a panel hosted by Soft2Bet’s Head of Sales, Alon Eshed, joined by Helen Walton (Founder & CCO, G Games), David Olim (CEO, FootAR), and Tom Jang Lemke (CEO and Founder, SavageTech). By breaking down the fundamental building blocks of gamification, including rewards, progression, competition, and storytelling, the session will highlight how these principles form the foundation of more engaging and personalised player experiences.

The Gamification Academy will feature at the upcoming SBC Summit 2025, SBC’s global flagship event, taking place at Feira Internacional de Lisboa and MEO Arena from 16–18 September. The summit will also host a six-track conference, a 135,000 square meter exhibition, the Affiliate Leaders Summit and Payment Expert Summit, plus a full schedule of evening networking events.

Participation in the Tech Academies is exclusively for VIP Event Pass and Expo+ holders only.

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You can RSVP to attend our tech academies here.

VIP Event Pass: Access to the show floor, all networking areas and conference sessions, complimentary food and drink from the summit’s food festival and access to exclusive evening networking sessions and parties.

Group VIP Event Pass: Get your passes for just €400 each when you purchase for three or more people (a saving of €200 per ticket!) – perfect for bringing your team along.

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Expo+ Pass: Access to the show floor, conference sessions and daytime networking only.

Expo Only Pass: Our free option, which gives you access to the show floor only. This is perfect for individuals from outside the gaming industry who want to explore potential partnerships. Please note that this will not grant you access to our academies.

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Operator and Affiliate Passes: Operators and affiliates are eligible for a free VIP event pass. Simply apply.

The post New Gamification Academy at SBC Summit to Present Fresh Approaches to Player Engagement appeared first on European Gaming Industry News.

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Strategies that Scale: Evoplay’s Alex Malchenko on Cracking the Code of Localised iGaming Success

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Alex Malchenko, Head of Sales at Evoplay, joins us for an exclusive conversation ahead of HIPTHER’s European Gaming Congress 2025.

Evoplay, proud Pen & Paper Sponsor of this landmark event, continues to pave the way in iGaming with pioneering content, creative game design, and strategic market expansion.

With over a decade of B2B sales experience, Alex has played a lead role in entering regulated territories, forging new Bingo and Lottery partnerships, and launching fresh business directions – making him the ideal voice to explore insights around localising content for different markets: challenges, nuances, and successful strategies.

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Alex, with your background scaling new markets and products, what challenges have you encountered with content localisation in the iGaming space?
When we enter or grow in a new market, we look at its own specifics. In some markets, the main challenge is regulation, whether it’s strict certification rules, requirements on game content and promotions, RTP levels, or even small details like how session time is displayed. That’s why we take time to understand the rules, the culture, and what local players actually want.

One good example is our instant game Penalty Shoot-Out: Street, which we created for Brazil and its strong football culture. The challenges there were both technical and regulatory, since Latin American markets often have very different rules. In some countries, just certifying the game isn’t enough — additional RGS and RNG certificates and official confirmations are also required.

On top of that, we had to make sure the gameplay matched what players expected. With Penalty Shoot-Out: Street, we achieved this by combining fast bets, quick results, a familiar theme and the thrill of every goal, and it worked.

Another case is our Hot Triple Sevens, a worldwide-popular slot, which we’ve refreshed with new mechanics like Hold & Win. Then we re-skinned the game to suit different audiences — for example, American Sevens and Fogo do Brasil 777 — to make them resonate more with local styles and tastes.

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When games are built with the right themes and mechanics for a specific market, they feel more engaging and relevant to players, which can significantly boost their appeal. That’s why localisation is something we put thought into every time, learning from experience, working with partners, testing locally and improving as we go.

 

When it comes to Evoplay approaching localisation for a new market, what are the first strategic frameworks or priorities you put in place?
In short: regulation, communication with partners, and understanding players. When entering a new market, we carefully study all aspects, analyse the situation, and build a strategy. This includes legal, commercial, marketing and financial components, among others. Of course, for a complete picture, we also look at competitors’ experience, talk extensively with local participants, and study players — sometimes launching special campaigns independently, sometimes in collaboration with partners.

In this regard, Evoplay has made significant progress this year, reaching a new level. To support this approach, we also run campaigns that help us better understand players and their preferences. For example, the Oath of Steel campaign with SlotsCalendar, featuring a shared prize pool, invited players to take part and share their feedback, which we looked at thoughtfully. Similarly, we worked on a joint game with SlotCatalog, drawing on insights from their player preference analytics. Initiatives like this give us a better sense of what players enjoy and help us shape our games for different audiences, supporting our broader approach when entering or growing in new markets.

 

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Could you share an example where you had to adapt a game significantly – theme, mechanics, or language – to resonate with local players? What were the specific market nuances you had to tune into?

In our business, every game must meet regulatory requirements, and it’s normal that adapting a game for a specific market requires some extra adjustments. A good example of this is the lottery vertical, which is quite different from standard iGaming. In our business, every game must meet regulatory requirements, and it’s normal that adapting a game for a specific market requires some extra adjustments. A good example of this is the lottery vertical, which is quite different from iGaming. Here, we need to follow particular rules regarding content and promotions, along with other market-specific restrictions.

Other bright examples of our games adapted to local markets include mythology-inspired hits like Temple of Thunder II Bonus Buy and Roman Rule, as well as the previously mentioned American Sevens and Penalty Shoot-Out: Street. These games work well because everything comes together — the theme clicks with players, the visuals fit the concept, and the mechanics are engaging. I’d also highlight the simplicity of the games and their user-friendly UX/UI, which players appreciate no matter the region.

 

Operating in regulated markets obviously adds complexity. How do you strike the balance between compliance (e.g., legal, cultural mandates) and maintaining the brand’s creative integrity during localisation?
In situations like this, branded games are a good approach. Creating them involves working closely with partners, discussing details such as logos and technical settings like RTP or bet ranges.

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At the same time, we like to experiment with small creative touches to see what really clicks with players. A good example is The Easter Catch slot, an updated version of our worldwide popular The Greatest Catch, especially designed for the Easter holidays. Taking this approach keeps the game flexible, meets legal and cultural requirements, and still feels like our brand. Tailoring it for the partner and their audience also makes the game more engaging and usually leads to better performance.

 

You’ve been instrumental in forging Bingo and Lottery partnerships. How does localisation differ when tailoring for those verticals versus standard casino-style titles?

First of all, I want to emphasise that Bingo and Lottery are quite different from standard iGaming. These are established verticals with their own history, unique communities, and regulatory features. The lottery market is also largely monopolised and moves at a slower pace compared to the fast-moving world of iGaming.

Some online lotteries, while offering more dynamic and engaging experiences than paper versions or traditional online formats, are subject to many restrictions. For example, design themes common in slots are often prohibited, RTP requirements differ, and other regulatory rules apply.

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When it comes to trends in this area, the World Lottery Association sets the pace, and other lotteries tend to follow their lead.

Evoplay entered this sector to bring a fresh, innovative perspective, showing how classic games can be reimagined for a new generation of players and enthusiasts seeking new experiences. The projects we’re currently developing here hold great promise and add a fresh spark to this traditional space.

 

Thank you, Alex, for walking us through Evoplay’s thoughtful approach to content localisation and the art of balancing strategy with respect for local flavor. We can’t wait to hear more from you and other industry leaders live at the European Gaming Congress 2025.

 

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Join us at the European Gaming Congress 2025 | 30–31 October | Warsaw

👉 Secure your spot today, network, and dive deeper into how industry leaders like Evoplay shape the future.

The post Strategies that Scale: Evoplay’s Alex Malchenko on Cracking the Code of Localised iGaming Success appeared first on European Gaming Industry News.

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European Gaming Congress 2025 Unites Europe’s Leading Operators with Record-Breaking Support

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The European Gaming Congress (EGC) 2025 is set to become the defining industry event of the year, as an unprecedented number of Europe’s largest operators rally behind the Congress — showing their support through sponsorships, thought leadership, and active participation.

This year, EGC welcomes a record number of sponsors, and the attendance is including industry leaders such as SUPERBET, Betclic, Fortuna, Betfan, Kaizen Gaming, Betano, Totalizator Sportowy, ComeOn Group, LVBet, RocketPlay Casino, WinSpirit Casino, 1spin4win, Win Casino, eCasino.cz, and Alfor (Fenikss).

Some operators are powering the event as sponsors, others are shaping the conversation as panelists in high-level discussions, while many are showing their commitment to collaboration by attending in force.

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“The European Gaming Congress has always been about uniting the industry, but this year we’re seeing something truly remarkable,” said Zoltán Tűndik, Co-Founder and Head of Business at HIPTHER, the organizer of EGC. “With a record number of operator sponsors, packed panels, and incredible attendance from leading brands, this year’s Congress sends a clear message: Europe’s iGaming sector is ready to work together to build a sustainable and innovative future.”

The EGC 2025 agenda will feature powerful panel discussions and expert-led sessions covering the most critical topics shaping the industry:

  • Regulatory updates and cross-border compliance strategies
  • Responsible gaming and player protection initiatives

  • Technological innovation — from AI to gamification and personalization
  • Emerging partnerships driving sustainable market growth

By gathering top executives, regulators, legal experts, affiliates, suppliers, and innovators under one roof, the European Gaming Congress 2025 offers unmatched opportunities for knowledge exchange, strategic partnerships, and collaborative problem-solving.

The European Gaming Congress takes place between 30-31 October in Warsaw, Poland, bringing together Europe’s most influential leaders for two days of networking, insights, and shaping the future of gaming.

Meet Europe’s Leading Operators – Register Now for the European Gaming Congress!

 

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The post European Gaming Congress 2025 Unites Europe’s Leading Operators with Record-Breaking Support appeared first on European Gaming Industry News.

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