Safe online shopping: pause, pay, push back

You find the perfect item at a price that feels almost unbelievable. The website says “only 2 left,” the countdown clock is ticking, and checkout takes just seconds. But days pass, no parcel arrives, and the seller stops replying. It’s a common online shopping story – and it often starts with pressure, a bargain, and not enough time to think. Safe online shopping should feel convenient, not risky. Most purchases go smoothly, especially when stores and payment providers make checkout clear and secure. A few simple checks can help you spot warning signs, understand real security steps, and choose payment methods that give you options if something goes wrong.

Building healthy financial habits: simple ways to stay in control

Financial control doesn’t require a perfect budget or a complicated system. A few healthy financial habits can make it easier to understand where your money is going, what payments are coming up, and what works for your budget. Here are some practical ways to make money management part of everyday life. Nothing revolutionary. That’s rather the point.

Digital payment options explained

Online shopping is part of everyday life – and it’s never been easier. A few clicks, and your new favourite item is on its way. At checkout, you’re not just choosing the product, you’re also deciding how you want to pay. Credit card, bank transfer or “buy now, pay later” – each option has its pros, but there are also a few things to keep in mind. In this article, we look at what “Buy now, pay later” or BNPL really means, how invoice payment works, and how solutions like Riverty’s Flex and payment pause can help you manage your payments in a way that fits your life – without losing track.

Invoice Payments Explained: Common Myths and the Facts Behind Them

From worrying about hidden fees to damaging credit scores, there are plenty of misconceptions around paying later. That’s why we’ve teamed up with Vince to put the most common BNPL myths to the test. We’ll separate fact from fiction, so you know exactly what to expect before choosing to pay later.

BNPL and budgeting: a practical guide for summer spending

Summer tends to cost more than expected. Holidays, festivals, a few home improvements, the annual wardrobe refresh before the kids go back to school – it adds up quickly, often across several weeks. It’s often a period when income stays the same while outgoings don’t. If you’re using it deliberately, buy now, pay later (BNPL) can be a useful tool during a summer budget. Here are some practical budgeting tips on how to do that.

Interview with BDIU board member Dr. Christian Behrens

Today we get some insights into the work of BDIU – Federal Association of German Debt Collection Agencies. Together with Dr. Christian Behrens, we take a look behind the scenes. He tells us how important this cooperation is in the debt collection industry – especially for the economy and consumer protection.

How are insolvency proceedings conducted in Germany?

If you have the impression that your outstanding debts are getting out of hand, you have the option of going through consumer insolvency proceedings in many countries around the world. The purpose of such proceedings is that, in the end, you get rid of all your debts that existed at the beginning of the proceedings. However, before we turn our attention to insolvency proceedings abroad, we will first explain in a down-to-earth manner how consumer insolvency proceedings work in Germany.

Debt counselling procedure

Are your financial obligations getting out of hand? You don't know where to start to get your finances back under control? Professional help from a debtor advisory office can help you pave the way to freedom from debt. In this article, we would like to highlight the importance of this support and show you how you can benefit from debt counselling.

More digitalisation for more trees

Digitalisation has increased rapidly in recent years and undoubtedly has the potential to improve and simplify our lives. From more efficient work processes and social interactions to innovative environmental solutions, the digital revolution is opening up numerous opportunities. At the same time, however, it brings with it challenges such as the need for increased data security or the loss of real social contacts. The focus of the Financial Guide is on the benefits of digitalisation. Of course, this also brings its challenges, and we don't want to withhold these from you.