Tag: market

Visa Helps Launch Klarna App in Ireland

Visa today announced it has enabled the launch of three brand new digital wallets across Europe, in partnership with BBVA, Klarna and Vipps MobilePay, and is collaborating with BANCOMAT on a pilot planned for early 2026.
These are the first Visa-enabled wallets to use NFC (Near Field Communication) technology to allow HCE (Host Card Emulation) on iOS wallets.
A major regulatory shift under the EU’s Digital Markets Act opened NFC access to third-party wallets, paving the way for greater competition and innovation in mobile payments. This allows more European players to bring new experiences to market and give consumers more choice.
According to Visa research*, mobile payments now represent more than half (59%) of all e-commerce transactions in Europe, and that figure is expected to rise to three quarters (75%) by 2030. With just under a third (32%) of Europeans saying they plan to rely exclusively on mobile wallets for purchases, there is a clear shift toward wallet-centric ecosystems, driven by demand for speed, simplicity, and control.
Visa has worked with three issuers and a domestic scheme across Europe to launch the new iOS wallets:
  • BBVA Pay, available through the BBVA Mobile Banking App, is a single issuer wallet launched in Spain. It is the first wallet in the world to use Visa’s own software developer toolkit (SDK) to directly integrate the Visa Token Service (VTS), a technology that protects sensitive card information by replacing it with a secure digital token. The wallet offers a new payment experience along with a secure, future-ready experience.
  • Klarna (the Klarna app), has launched its wallet in 14 European countries**, enhancing the app’s functionality and making the Klarna app a single, seamless experience for Klarna users on both iOS and Android.  Klarna, having launched the Klarna Card powered by Visa Flexible Credential, gives consumers further choice, and a truly integrated experience, with the addition of tap to pay as part of the Klarna app.
  • The Nordic mobile wallet company Vipps MobilePay has launched a Visa co-badged wallet in Norway, with Denmark, Finland and Sweden to follow. The wallet combines local familiarity with global reach as existing users can now tap and pay anywhere Visa is accepted, with their stored cards automatically enrolled for seamless contactless use—alongside the everyday features they already enjoy in Vipps MobilePay.
  • Italy’s domestic scheme BANCOMAT, has announced launched a pilot project with Visa to enable users of BANCOMAT wallet to make secure and contactless payments through the BANCOMAT Pay service, anywhere Visa is accepted. The pilot is based on VisaPay, Visa’s new wallet solution, which provides security and scalability by leveraging Visa’s advanced tokenisation capabilities. Testing of the solution is scheduled for early 2026.
“These launches reflect growing demand for mobile wallet-based payments and Visa’s commitment to supporting local and regional players with the scale, security and reliability of our global network,” said Mathieu Altwegg, Head of Product & Solutions, Visa Europe. “As a ‘hyper-scaler’, we’re enabling partners of all sizes to innovate faster and deliver more choice and convenience to consumers, while helping drive broader digital and economic growth across Europe.”
“This launch reflects BBVA’s strong commitment to innovation and to delivering an exceptional customer experience. It also positions BBVA as the first bank in Europe to offer a proprietary wallet powered by Apple technology — marking a milestone in the European banking industry,” said Luis Simoes, Head of Retail Experience and Value Proposition for Retail Banking at BBVA.
“Tap to Pay brings us closer to our vision of Klarna being everywhere for everything. Now you can set up a flexible payment plan and tap to pay in seconds, all inside the Klarna app. It makes the everyday shopping moments significantly smoother for our Klarna customers across Europe, giving them even more flexibility and choice at checkout.” said David Fock, Chief Product & Design Officer at Klarna.
“We’re pleased that our Vipps users can now tap seamlessly all over the world with Visa. It’s an important step toward our vision of making payments simpler and more unified for people wherever they go,” said Rune Garborg, CEO of Vipps MobilePay.
“The pilot project launched with Visa marks an important step in the evolution of BANCOMAT products, with the aim of offering Italian banks and users increasingly digital services that can also be used outside national borders,” says Fabrizio Burlando, CEO of BANCOMAT S.p.A.. “This collaboration will allow us to enhance the value of the BANCOMAT infrastructures, based in Italy, integrating them with Visa’s global network to enable new features and expand the user experience for customers. The model allows us to maintain a strong local presence, while benefiting from the international acceptance network and the capabilities of a global player. We are confident that this partnership will bring greater value to Italian banks and their customers.”
Looking Ahead: The Expanding Role of Digital Wallets
Digital wallets are quickly evolving: from simple payment tools to platforms that support peer-to-peer transfers, real-time bank payments and government IDs. With expanded NFC access, wallets could also store digital keys, loyalty cards, event tickets and more, opening the door to richer, more personalised services through a single, secure interface.
As Europe’s digital landscape evolves through advances in open banking, embedded finance and digital identity, financial institutions and fintechs have new opportunities to create more seamless, secure, and personalised experiences for their customers.
Visa’s infrastructure supports multiple payment types, including cards, account-to-account, and tokenised assets, giving partners the flexibility to build future-ready solutions that meet the needs of today’s consumers.

Ireland Opens Markets at the London Stock Exchange

Ireland’s Minister for Financial Services Robert Troy, today became the first Irish government minister to open markets at the London Stock Exchange (LSE), marking Ireland Day and the growing innovation partnership between the UK and Ireland’s financial services sectors.

Hosted by Enterprise Ireland – the Irish government’s trade and innovation agency and Europe’s third-most active VC investor in fintech – the event highlighted record investment, expansion and landmark acquisitions by Irish financial services and fintech firms in the UK, including Ireland’s Fexco Group’s acquisition of Sainsbury’s Travel money this year. The acquisition marks a major expansion for Fexco in the UK’s retail foreign exchange market. The deal announced during the summer, increases Fexco’s UK retail footprint to more than 460 locations, as well as introducing over 18 million Nectar members to Fexco’s travel money services.

Minister Robert Troy commented: “Ireland and the UK are indispensable partners in today’s financial services ecosystem. Sustained investment in Irish fintech and their growth and expansion in the UK, has played a pivotal role in shaping excellence across the City and the wider UK market. Today’s announcements demonstrate how Irish firms are not only investing at home but are also creating jobs and establishing a permanent presence in the UK, benefiting both the UK and Irish economies.”

Supported by nearly €1 billion in VC funding over the past five years, Enterprise Ireland-backed fintech companies are tackling critical industry challenges in compliance, data analytics, cybersecurity, risk management and digital transformation across the UK and global markets.

More than 200 Enterprise Ireland financial services and fintech clients are now active in the UK, investing, scaling and partnering with the country’s leading financial institutions. Today’s ceremony coincided with significant announcements from four Irish firms addressing pressing UK market needs:

•    Version 1, Ireland’s largest home-grown technology company, will mark its 30th anniversary in 2026 and continues to deliver on its major announcement of 1,000 UK AI-related jobs and a £40 million investment programme. Recently its collaboration with NatWest to embed responsible AI governance across the organisation won “Best Data Governance with AI Initiative” at the DataIQ awards.

•    Fenergo, the global leader in client lifecycle management, currently employ 35 people in the UK and will 10-15 new UK roles over the next year.

•    CWSI, a leading Irish cyber security provider today announced a strategic partnership with Bristol based Changing Social, an AI Workplace Transformation consultancy. The collaboration is expected to generate revenues in excess of $40m in the next 24 months across Licencing, Consultancy and Associated Services. Together, the two Microsoft partners will help organisations unlock the productivity and innovation potential of Microsoft Copilot and other AI-driven technologies without compromising on security, compliance, or control.

•    Clear Strategy, a leading Irish data and AI consultancy, is expanding from 34 to 50 specialists in the coming quarter as it grows its UK presence and launches ‘Tempo’, its reference data management solution, into the UK market.

•    ID-Pal, the global leader in AI-powered identity verification, has unveiled the latest enhancements to its fraud detection feature, ID-Detect. Fresh off winning Biometric Authentication Innovation of the Year at the 2025 Payments Awards, ID-Detect’s authentication engine identifies signs of digital manipulation and the markers of AI-driven document fraud. Recent results include preventing fraud valued at +£3m for car-financing platform Finset.

Kevin Sherry, Executive Director, Enterprise Ireland, added: “The UK is Ireland’s largest country export market and a strategic priority for Irish tech, financial services and fintech companies. We are laser-focused on forging high-value business connections and supporting Irish firms to enter, scale and invest in the UK.

“The global financial industry faces a number of mounting pressures – regulatory complexity, escalating cyber and fraud risks, green compliance, data silos and AI bias. Irish firms are building world class customer solutions that are agile, scalable, and secure. They’re helping UK institutions navigate regulatory complexity, unlock new efficiencies, and stay competitive in a fast-moving landscape.”

Hosting the Irish delegation at the London Stock Exchange today, Dame Julia Hoggett, CEO of the London Stock Exchange said: “Today has been a historic day. We are delighted to have welcomed Minister Robert Troy, the first Irish government Minister to open our markets, alongside Enterprise Ireland and some of Ireland’s most innovative companies. This celebration reflects the long-standing and important ties between the financial services industries of the UK and Ireland.”

The UK market is the largest country export market for Enterprise Ireland backed client companies. In 2024, 29% of total client exports, valued at €10.52bn, went to the UK and representing a 4% increase on 2023. Tech, financial services and business services exports to the UK accounted for €1.2 billion in 2024, with tech increasing by 12% and fintech increasing by 5% on the previous year.

Ireland Day at the London Stock Exchange will conclude with a dinner reception at the Irish Embassy in London, hosted by the Ambassador to Great Britain, Martin Fraser, attended by close to 100 senior leaders from across the UK and Ireland’s financial services industry.

Irish companies participating in Ireland Day at the London Stock Exchange, included: Binarii Labs, Clear Strategy, CWSI, Daon, Fenergo, Fexco, Fund Recs, ID Pal, and Tines.

Klearcom establishes US office with 20 new jobs

Klearcom, a leading provider of global contact centre testing solutions, today announces that it has established its first physical base in the US with the opening of a new office in Boonton, New Jersey. To facilitate this growth, Klearcom will hire 20 new team members in the US. The announcement has been welcomed by Peter Burke, Minister for Enterprise, Tourism and Employment of Ireland.

Headquartered in Waterford, Klearcom is currently pursuing aggressive growth in the US market. The new base will enable Klearcom to acquire more US-based customers and strengthen relationships with existing clients, such as Google, Mastercard and Visa. This will help the company to grow its share in the interactive voice response (IVR) market, currently valued at $5.9BN and growing at a rate of 7% per annum.

The new hires, to be appointed across sales and customer service over the next 12 months, represent a significant investment from Klearcom. They, and the New Jersey base, will be central to enhancing service delivery and providing on-the-ground support to Klearcom’s growing US customer base.

As the IVR market continues to grow at pace, the expansion will ensure Klearcom stays ahead of market challenges and seizes new opportunities. At the same time, Klearcom will continue to deliver reliable and quality testing for businesses’ automated voice systems, especially within critical customer service channels. The expansion will facilitate faster onboarding, greater support and a more personalised service, enabling the company to align more closely with US business priorities, time zones and escalation needs.

Mark Rohan, co-founder and chief operating officer, Klearcom, said: “The US market is vital to Klearcom’s growth strategy. As such, this announcement is not only a mark of our success in the US to-date, but also our commitment to businesses there. And, while this is our first office in the US, it will not be our only one.

“For us, the expansion comes at the perfect time as businesses increasingly demand cutting-edge technology over outdated legacy systems. Our AI-driven IVR testing is the fastest in the world, enabling enterprises to quickly identify and resolve issues within their telecom system infrastructure, and cementing our position as the leading provider of contact centre testing solutions.

“Our US office doesn’t just mean faster response times – it means being on the ground, right where our customers need us most.”

Peter Burke, Minister for Enterprise, Tourism and Employment of Ireland, said: “Klearcom is a prime example of an Irish company whose ambition has driven impressive growth on the global stage. This next step in the company’s journey will open the door to exceptional opportunities within the United States, which have the potential to take the business to new heights. I look forward to watching the team’s progress as they grow their footprint in this important market.”

Lero and Logitech join forces to engage in a €2.5M research project

The University of Limerick based software research centre, Lero, is to collaborate on a new multi-year research project, which will involve the testing of 2,000 top video gamers in partnership with gaming computer peripherals giant Logitech G, to better understand how computer gamers train and compete.

Logitech gaming innovation engineer Niall White said: “This €2.5 million four-year partnership with Lero builds on previous research projects with Lero, which have yielded positive results and enabled the company to gain an edge in the global video game industry.

“Lero are the best in the business at this type of software research, and the outputs from this project will help us design and create new gaming products for augmenting gaming performance – mouse, headsets, keyboards and controllers, for example.”

The research partnership extension signals Logitech G’s continued dedication to advancing the industry’s scientific knowledge base of gaming and esports performance.

Lero and Logitech G have collaborated across a range of studies since 2016 to measure the biomechanical, psychological and cognitive capabilities of professional esports athletes to casual gamers to better understand their needs and innovate products to serve them.

Director of the Esport Science Research Lab at Lero, Professor Mark Campbell, said the project’s goals are to advance our understanding of how gamers train and compete.

“We will have to create bespoke software tests to identify and measure key performance indicators of gaming and gamers, and identify and measure the biomarkers of esports and gaming performance.

“This will be achieved through the use of cutting-edge technology such as brain imaging, eye tracking and biosensors,” said Dr Campbell, who is Professor in Sport and Performance Psychology at the University of Limerick.

Professor Campbell said Lero aims to test up to 2,000 gamers or more over the next four years of the project, beginning today (August 18) at the Gamescom convention in Cologne, Germany, where Lero plans to test hundreds of gamers over the five-day convention.

“The information we gather will help enable the development of AI-powered smart gaming peripherals such as mice, keyboards and headsets with biosensors for human performance monitoring in-game and other potential training tools such as bespoke software tests using AI dynamic difficulty adjustments for smarter training and competing,” he added.

Professor Campbell said the four-year research programme will be of benefit to Ireland’s €500 million gaming industry employing close to 2,000 people as the project will involve developing strong PhD students, research assistants and Post Docs dedicated to focused research areas across fields such as computer science, psychology, neuroscience, sport science, software engineering, and human-centred design.

“We will leverage behavioural, physiological and performance data from both professional and amateur gamers during play and training sessions to assess player performance, identify key influencing factors and enhance the gaming experience. Additionally, this project will explore prototyping and iterative design methodologies to develop next-generation gaming tools, interfaces, and performance-tracking systems tailored for various gamer needs,” he added.

Professor Campbell said there is a growing level of game development expertise among the research community in Ireland, and the Lero/Logitech INGAME (Innovation in Gaming and Esports) project will bring about greater international visibility of the games industry-related research and development taking place in Irish third-level institutions.

When Is the Right Time to Buy High Dividend Stocks?

Investing in high-dividend stocks has been a popular strategy for those who require regular income from their investment portfolio for some time now. These stocks are shares of ownership in businesses that distribute part of their earnings to shareholders as dividend payments, usually paid quarterly. The popularity of high dividend stocks goes beyond the regular dividend income- they are usually shares in established businesses with proven business models and consistent cash flows. This combination of income and stability makes them particularly attractive during certain economic conditions and for specific investor objectives.

Investors use high dividend stocks in their wealth-building plan, valuing the twin advantages of likely price appreciation and periodic income. Reinvested dividends can substantially add to overall returns using the leverage of compounding. For retirement planning, passive income creation, or merely diversifying your investment strategy, knowing when to buy high-dividend stocks can maximize your outcomes.

Market Downturns Open Up Opportunities

The most favorable time to add high-dividend stocks to your portfolio is when there’s a broad market correction or even a bear market. When market declines are meaningful, even those high-quality businesses with long, reliable dividend payers will experience a decline in the value of their shares. This creates a situation where the dividend yield—calculated by dividing the annual dividend payment by the current stock price—increases even if the actual dividend amount remains unchanged. Essentially, you can potentially buy the same income stream at a discount.

Market declines typically pose emotional hurdles for investors, as they find it challenging to invest capital when the price is going down. However, such a psychological hurdle presents an opportunity that can be advantageous for long-term dividend investors. Successful investors often make it a habit to gradually build up their holdings in dividend stocks during market declines, taking advantage of quality companies with sustainable payout ratios and sound balance sheets that are capable of surviving economic downturns.

The long-term historical trend of market recoveries after declines adds another layer to this strategy. By buying high-dividend stocks on market weakness, investors can reap increased yields and ultimate price recovery when the market improves.

 

Interest Rate Environments Matter

The environment of interest rates plays a major role in determining the relative appeal of high dividend stocks. In low or declining interest rate environments, investments offering dividends are more attractive than fixed income investments such as bonds or certificates of deposit. Investors searching for yield have fewer high-yielding alternatives when rates are low, so the yields from high dividend stocks are comparatively more desirable.

On the other hand, increasing interest rate environments can cause high dividend stocks to face headwinds in two respects. One, as freshly issued bonds have progressively more attractive yields, some income-oriented investors will move capital away from dividend stocks into fixed-income assets. Two, several firms with high dividend stocks have higher levels of debt, and increasing rates have the potential to raise their borrowing costs, thereby putting pressure on profitability and dividend viability.

This sensitivity to interest rates provides potential timing opportunities. Times when rates are seen as peaking or turning down could be good entry points for dividend-paying stocks with high yields. Also, when market commentators are unduly worried about rates rising, the dividend stock prices could provide overreactions that present value opportunities to contrarians.

Sector Rotation Creates Selective Opportunities

The stock market tends to undergo sector rotation, times when capital moves from one industry group to another due to shifting economic expectations or sentiment. Rotational cycles can produce selective opportunities in high-dividend stocks when specific dividend-heavy sectors temporarily lose favor.

For instance, utility firms, real estate investment trusts, and consumer staples companies habitually provide among the market’s richest dividend yields. As investors as a whole turn their attention to more growth-oriented industries, such dividend leaders might show price weakness, which is unrelated to their underlying business trends or dividend durability. These times can present a great opportunity for dividend-oriented investors to buy high-dividend stocks at discounted valuations.

Instead of attempting to time these sector turns, most successful investors have lists of high-quality, high-dividend stocks that they would prefer to own. They then opportunistically buy when overall market movements make valuations favorable in these individual companies or industries, adding on over time.

Outside of broad market or sector issues, individual company events more frequently provide optimal entry points for high-dividend shares. Short-term business setbacks, isolated earnings disappointment, or a change in management may reduce share prices while the fundamental dividend capability persists. These opportunities must be carefully evaluated, but they can offer some of the most attractive opportunities to purchase high-dividend shares at desirable prices.

When contemplating such scenarios, examine if the problem plaguing the company is indeed transitory or reflects a structural alteration in the business model. Look for firms upholding their dividend payouts even in the face of short-term setbacks, as this reflects management’s faith in the strength of the underlying business. Firms possessing low debt levels, healthy cash flows, and sustainable payout levels are in the best position to hold out their dividends during run-of-the-mill periods of difficulty.

The best time to invest in high-dividend stocks also varies based on your financial circumstances and investment goals. Life changes, such as nearing retirement, often mark suitable times to raise exposure to income-generating investments. As your investment objectives move from growth only to income generation, incrementally adding positions in high-dividend stocks can assist in this process.

Similarly, windfalls from inheritances, bonuses, or other income streams offer natural occasions to set up or add to high-dividend stock positions. Instead of attempting to make the perfect entry time at market, most money planners advise a dollar-cost averaging strategy—investing a fixed amount every time period to mitigate the effects of short-term market movements.

Conclusion

The most critical timing consideration with high dividend stocks is having a long enough investment period. The compounding ability of reinvested dividends rears its head most obviously over long time frames. Research repeatedly demonstrates that much of the stock market’s overall return is due to dividends and their long-term reinvestment.

The proper time to purchase high-dividend stocks is really a matter of mixed market conditions, individual situations, and personal goals. When you know these and set out with a careful strategy for dividend investing, you can create an income-generating portfolio that meets your financial requirements across multiple market cycles.

 

SumUp launches SumUp Pay, offering 0,5% cashback for Irish customers

Global fintech leader, SumUp, has today announced it is expanding its offering with the launch of SumUp Pay for consumers in the Irish market. Through diversifying its offering, SumUp looks to support both the consumer and merchant, reinforcing its commitment to the Irish entrepreneurial landscape and wider economy. This new solution permits online and in-store payments with a virtual Mastercard and the ability to earn 0,5% cashback on every purchase, earning up to €10 per calendar month.

With SumUp Pay, the company now enables consumers to create a free account, accessible via the mobile app, enabling full financial autonomy. Users can instantly access a free virtual Mastercard and top up their account via card or bank transfer. SumUp Pay allows for secure, fee-free payments worldwide, with transactions deducted directly from the balance and verified through biometric authentication like Touch or Face ID.

SumUp Pay offers a straightforward cashback system, giving users 0,5% back on every purchase, with no minimum spend or restrictions. Unlike other services, there are no conditions to meet; users can earn up to €10 per month simply by making everyday purchases at any retailer, both online and at brick and mortar shops.

Other features of SumUp Pay include the ability to easily split bills or send money to friends directly within the app. The peer-to-peer payment feature also supports free instant SEPA transfers, ensuring that funds arrive within minutes. Additionally, SumUp Pay can act as a personal financial coach, helping its users track expenses. The “Space” feature allows users to organise their money by creating multiple spending categories for saving, planning, or limiting expenses. This streamlined management is complemented by detailed reports, enabling users to monitor their spending, set monthly goals, and gain real-time insights into where and how they are spending their money.

“With SumUp Pay, we are providing a simple and accessible solution for managing daily finances. Our goal is to help users regain control of their money while offering tangible benefits such as instant, no-strings-attached cashback. A satisfied consumer becomes a loyal customer, and a loyal customer brings success to merchants,” added Erik Schünemann, Product Lead at SumUp on today’s announcement.

Niall Mac an tSionnaigh, CEO of SumUp Ireland commented: “With the rising cost of living in Ireland, at SumUp we are focused on making life a little easier for both consumers and merchants. We’re committed to providing simple, valuable payment solutions for businesses, while also looking out for the people who shop with them. Our goal is to create a marketplace where everyone is supported, cared for, and able to thrive, helping to build a more self-sufficient, connected community for all.”

Following successful launches of SumUp Pay in other key markets, and building on the momentum of innovations like Cash Advance in the Irish market, SumUp continues to work towards an inclusive ecosystem that bolsters the economy and empowers consumers and merchants alike.

The Future of Gaming Monetisation and Whether Free-to-Play Has Peaked

The free-to-play (F2P) model has dominated the gaming industry for over a decade, revolutionising how developers monetise their titles. From mobile blockbusters to PC and console hits, F2P has proven to be a lucrative and accessible approach. However, in 2025, questions are emerging about its sustainability. With increased competition, evolving player expectations, and alternative monetisation strategies gaining traction, has free-to-play peaked? And if so, what’s next for gaming revenue models?

The Evolution of Free-to-Play

Free-to-play wasn’t always the juggernaut it is today. The model first gained traction in the early 2010s with the rise of mobile gaming and online multiplayer titles. Games like League of Legends, Fortnite, and Genshin Impact demonstrated that well-designed F2P titles could generate billions in revenue through microtransactions, battle passes, and in-game cosmetics.

Yet, the very elements that made F2P successful are now under scrutiny. Players are increasingly frustrated by aggressive monetisation tactics, excessive grinding, and pay-to-win mechanics that diminish the gaming experience. Developers, too, are finding it harder to balance engagement with revenue generation without alienating their audience.

The free-to-play model has also had a significant impact on the online casino industry. Many gambling platforms including casinos not on GamStop 2025 have adopted F2P mechanics to attract users, offering virtual currency and free trial versions of slot machines, poker, and other casino-style games. This approach allows players to engage with casino games without financial risk, creating an opportunity to convert them into paying customers later.

Signs That Free-to-Play Might Have Peaked

The Subscription Model is Gaining Popularity

Subscription services such as Xbox Game Pass, PlayStation Plus, and Netflix Games are shifting the industry toward an all-you-can-play model. Instead of relying on individual F2P purchases, many players now prefer paying a fixed monthly fee for access to a vast library of games. This model provides predictable revenue for developers while offering players a more consumer-friendly experience.

Rising Development and Maintenance Costs

Keeping a F2P game profitable requires continuous updates, live events, and server maintenance. For many developers, this long-term commitment is becoming unsustainable. Games like Apex Legends and Call of Duty: Warzone have faced challenges in keeping up with content demands, and smaller studios often struggle to maintain engagement in an increasingly crowded market.

Player Backlash Against Microtransactions

Gamers have become more vocal in their opposition to intrusive monetisation strategies. Loot boxes, in particular, have faced regulatory scrutiny in various countries, with some governments classifying them as gambling. The negative reception of microtransactions in games like Diablo Immortal and Overwatch 2 has shown that players are losing patience with exploitative mechanics.

The Market is Oversaturated

At its peak, free-to-play gaming saw a flood of new titles vying for player attention. However, the sheer volume of competition has made it difficult for new F2P games to stand out. Unless a game brings something truly innovative to the table, it risks getting lost in the noise. This has led to higher player acquisition costs and lower retention rates for many developers.

What Comes Next? Emerging Monetisation Models

As the viability of traditional F2P models is questioned, developers are exploring new revenue strategies. Here are four key trends shaping the future of game monetisation:

1. Premium Battle Passes with No Free Option

While battle passes remain popular, some developers are experimenting with premium-only versions, eliminating the free tier altogether. This ensures steady revenue while still allowing players to engage with seasonal content.

2. Hybrid Models: Free Trial with a One-Time Purchase

Instead of full F2P, some games are offering extended free trials before requiring a one-time payment to unlock the full experience. This approach maintains accessibility while avoiding excessive monetisation pressure.

3. Crowdfunding and Community Support

Some indie developers are turning to Patreon, Kickstarter, and direct community funding to support ongoing development. By building a loyal player base willing to contribute financially, developers can bypass traditional monetisation models altogether.

4. NFTs and Blockchain Gaming (With Caution)

Despite mixed reception, blockchain-based gaming continues to evolve. Play-to-earn models, where players can trade in-game assets for real-world value, are gaining traction, though scepticism around NFTs remains high. Developers are treading carefully to avoid backlash similar to what Ubisoft faced with its Quartz initiative.

Is There Still a Place for Free-to-Play in 2025?

Despite the challenges, free-to-play is unlikely to disappear entirely. Games like Fortnite and Genshin Impact continue to thrive, proving that F2P can work when executed properly. However, developers will need to strike a balance between monetisation and player satisfaction.

The future of gaming may not be dominated by a single model, but rather a mix of subscription services, hybrid monetisation strategies, and community-driven funding. As player expectations evolve, the industry must adapt to ensure sustainable growth while delivering enjoyable gaming experiences.

So, has free-to-play peaked? Perhaps. But in its place, a new era of monetisation strategies is taking shape—one that prioritises fairness, value, and long-term engagement over short-term profits.

 

Why Are Companies Shifting to Senior Java Development Outsourcing: Top 5 Benefits for Complex Projects

Many companies are looking at new ways to handle complex software projects. Instead of using in-house teams, they are turning to experienced Java developers from outside sources. This trend is growing because it offers several benefits in managing intricate tasks.

Companies find that outsourcing senior Java developers provides them with the expertise needed for advanced projects. This approach lets businesses focus more on their strategic goals while letting the experts handle the technical details. As the demand for sophisticated software increases, this shift to outsourcing becomes an attractive option for many organizations.

Cost Efficiency through Specialized Talent

Outsourcing Java development projects has become a popular strategy for many companies. One key reason is the access to a vast pool of specialized talent, which can reduce costs significantly, especially in complex projects. This specialized knowledge often allows projects to be completed faster, saving both time and money.

By working with a Senior Java Development outsourcing firm, businesses can tap into expertise without the costs of hiring full-time specialists. External teams are often well-versed in the latest technologies and best practices, which can streamline the development process.

In addition to expertise, outsourcing can lower expenses by minimizing infrastructure and training costs. Businesses don’t need to invest in additional software or continuous training for internal staff. Instead, they can utilize the resources and knowledge already possessed by the outsourcing partner, making it a cost-effective solution for achieving project goals.

Accelerated Time-to-Market Advantages

Companies are now shifting focus to senior Java development outsourcing for complex software projects. One significant benefit is the ability to accelerate time-to-market for their products. This means projects can be completed and launched in less time than traditional methods.

Senior Java developers bring high levels of expertise and experience, allowing for efficient and streamlined project management. They handle coding tasks quickly, which shortens development cycles. As a result, businesses can respond faster to market demands.

Outsourcing these tasks helps companies maintain competitive advantages by introducing their products sooner. This leads to increased opportunities, such as capturing early market interest and gaining customer feedback rapidly. Accelerated time-to-market also reduces the chance of losing potential revenue to competitors.

In today’s fast-paced market, speed is key. Companies that leverage senior Java development outsourcing can take advantage of new trends and stay ahead of their competition. Businesses looking for these benefits are finding this shift increasingly appealing.

Access to a Global Talent Pool

Companies are increasingly turning towards senior Java development outsourcing. One primary reason is access to a wide range of skilled developers from around the world. This approach allows businesses to tap into talented professionals that may not be available locally.

Outsourcing opens doors to diverse perspectives and expertise, enabling companies to find specialists with unique skills in Java development. These specialists contribute to solving complex software challenges efficiently.

By reaching out to global talent, organizations can choose developers who perfectly match their needs, improving their software projects. This strategy helps in assembling a team that is equipped to handle demanding tasks and innovate with cutting-edge solutions.

Scalability and Flexibility in Development

Outsourcing Java development projects has become a popular strategy for many companies. One key reason is the access to a vast pool of specialized talent, which can reduce costs significantly, especially in complex projects. Many organizations now choose to hire developers in Poland, given the country’s strong IT expertise and competitive rates.

By working with skilled developers, organizations can bring in expertise when needed. This approach helps adapt to both market changes and technological advancements.

Access to a broader talent pool is another benefit. Businesses can find developers with diverse skills, which guarantees that their projects can evolve smoothly. As project needs change, companies can rely on external resources to adjust without significant disruptions.

Focus on Core Business Strategies

By outsourcing Java development, companies can concentrate on their main goals. This helps them improve their focus and efficiency. Businesses are able to allocate more resources to areas that directly affect growth.

Delegating software tasks allows companies to direct attention to strategy and innovation. This shift can improve performance and help reach long-term goals. It also reduces the stress of managing complex development projects.

Outsourcing partners handle technical challenges, allowing businesses to develop their unique strengths. This makes it easier for companies to stay competitive. Companies can then explore new opportunities while maintaining stability.

Conclusion

Outsourcing senior Java development is increasingly favored for complex software projects. This approach provides companies with access to experienced developers while allowing them to focus on their primary business goals.

By outsourcing, businesses can handle intricate projects more efficiently and often at a reduced cost. This method leverages specialized knowledge without the long-term commitment of hiring full-time staff.

Choosing this path enables firms to address complex needs while maintaining flexibility and quality. As businesses continue to evolve, outsourcing remains a strategic solution for development challenges.