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Kehinde’s Substack

Kehinde Disu

My personal Substack

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Issues21Founded2 years agoLast Issue16 days ago
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Latest Issues

How Banks Detect Fraudulent Transactions

Hey everyone! Let’s talk about something that happens quietly behind every payment you make.

For every payment transaction, banks and fintech systems run fraud detection checking:

  • “Is this transaction normal?”

  • “Has this user done...

16 days ago
5

Payment API Security

Hey everyone! Let’s talk about what can go wrong with payment APIs and to secure them in real-world systems.

Payment API

A payment API is the interface that allows your app to initiate, process, and confirm financial transactions. It’s wh...

a month ago
2

Understanding Virtual Accounts in Fintech

Hey everyone! Let’s start with something you’ve probably seen but never really questioned.

You open a fintech app and it shows you: “Transfer money to this account number.”

You send money, and your wallet gets funded instantly. Simple, ri...

2 months ago
3
1

Deep Dive into POS Transactions (Part 2):

Hey everyone! I know it’s been a while since I last posted. I had to take a break after falling ill, and then I gave myself a little more time to properly recover. I’m back now 😊

Let’s get straight into it. A few months ago, I talked abou...

3 months ago
2

The Fintech Dictionary

Hey everyone! If you read the last article, you already know that payments are full of terms that sound simple but can confuse even experienced builders. Authorization, settlement, refunds… we’ve covered those.

Today, we’ll go deeper. We’l...

4 months ago
3
1

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  • Kehinde Disu

    With 6+ years in fintech, I build secure payment and banking platforms. As the founder of Digital Payments Network, I share my backend engineering journey to guide others in digital payments.

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