https://ativamoney.com/en/blog/ Financial literacy, data privacy, Open Banking and behavioural economics — in plain English. en-GB https://ativamoney.com/assets/logo.png https://ativamoney.com/en/blog/ https://ativamoney.com/en/blog/data-security-eu-sovereign-cloud/ https://ativamoney.com/en/blog/data-security-eu-sovereign-cloud/ Fri, 03 Jul 2026 09:00:00 +0100 Security & Privacy The EU built the world's most demanding data-protection framework — but where your data lives matters as much as the law that protects it. GDPR, Schrems II and the rise of the sovereign cloud, with sources and expert quotes. https://ativamoney.com/en/blog/open-banking-psd2-portugal-guide/ https://ativamoney.com/en/blog/open-banking-psd2-portugal-guide/ Sun, 15 Mar 2026 09:00:00 +0000 AI & Technology Your bank data is yours — and Europe turned that principle into law. How PSD2 works, why it is safer than it looks, and what changes with PSD3. https://ativamoney.com/en/blog/how-to-create-monthly-budget-3-minutes/ https://ativamoney.com/en/blog/how-to-create-monthly-budget-3-minutes/ Fri, 20 Mar 2026 09:00:00 +0000 Financial Management Most budgets die in the second week — and behavioural economics explains why. What the research says, the 50/30/20 rule, and how to build a budget that survives the month. https://ativamoney.com/en/blog/5-smart-ways-use-tags/ https://ativamoney.com/en/blog/5-smart-ways-use-tags/ Tue, 10 Mar 2026 09:00:00 +0000 Usage Tips Categories tell you the type of spending; tags tell you the context. What Richard Thaler's "mental accounting" teaches about organising money — and five practical uses.