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The payment system stands at the center of financial system transformation, serving as trust infrastructure that must function correctly and securely at all times. This multi-layered organization distinguishes between infrastructure, payment system operators, and application levels, where innovation primarily occurs. With digitalization, the trust dimension gains further significance as cybersecurity becomes an integral part of the product rather than a cost factor.

In a landmark decision published on 1 April 2026, the Swiss Federal Supreme Court confirmed that PostFinance (“PF”) must keep providing basic CHF payment services to a Russian national residing in Switzerland who is subject to US and UK economic sanctions, but not to Swiss sanctions.

Warranties are the backbone of any software contract. Yet in many deals, they get buried in boilerplate or swapped away without proper thought.