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The new Ryzen 7 5800X3D does not solve the hardware crisis, but it is a lifesaver to extend the life of many PCs without breaking the bank

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Updating a desktop PC or brand new practically any current device that integrates RAM or storage (that is, almost everything) is face a harsh reality: you have to pay much more for the same thing. The hardware crisis, derived from the high demand for these components to supply clients related to AI, which has been with us since the end of last year, it seems like it’s going to be long. So if we have no choice but to renew components or equipment in 2026 and we do not want to pay too much, You have to look carefully at which is the best possible purchase option.. AMD Ryzen 7 5800X3D 10th Anniversary Edition The price could vary. We earn commission from these links In this context, AMD launched the market a few weeks ago Ryzen 7 5800X3D 10th Anniversary Edition. The reissue of a best-selling processor, compatible with AM4 platformswhich allows you to give a facelift to computers (especially gaming, as it is a CPU designed especially for gamers) from up to a decade ago without the need to renew the motherboard. And, above all, without having to make the leap to DDR5 RAM memories (which are through the roof). All this, in exchange for a very contained investment in 2026, such as the 360 euros that is around in the main stores. Probably the best price-quality purchase for a gaming PC in the last decade In ideal conditions and focusing on the most current, the most recommended purchase when configuring from scratch or updating a PC to play, today, in the middle of 2026, is recent motherboards, DDR5 RAM and NVMe PCIe Gen5 SSDs. But of course, this represents an exorbitant expense in many cases that not all users are willing to assume. Above all, considering that just a few months ago all of this cost much less. In this scenario, the reissue of this Ryzen 7 5800X3D It makes a lot of sense. With it we can give a facelift (and greatly increase performance) to our current AM4 platform PC, with DDR4 RAM, without having to touch much else. Above all, if we plan to play and we come from a processor that does not belong to AMD’s X3D family. With the change, The jump in video games is brutal: more frames per second, thanks to AMD’s 3D V-Cache technology. In essence, this Ryzen 7 5800X3D maintains the 8 cores and 16 threads, frequencies of up to 4.5 GHz, the TDP of 105 W and the same amount of L3 cache as the original 5800X3D launched in 2022. But as an added bonus, this 10th anniversary edition includes a thermal solution as an alternative to the classic thermal paste: the Carbice Ice Pad, which is a thermal pad that must be placed between the surface of the CPU and the heat sink to keep high temperatures at bay. ⚡ IN SUMMARY: Ryzen 7 5800X3D 10th Anniversary Edition ✅ THE BEST You do not need to change motherboard or RAM if you already had one with AM4 socket and DDR4 memories Outstanding gaming performance thanks to its exclusive technology that triggers the FPS ❌ THE WORST It is not the most current on the market (although it has just gone on sale) and if you prefer the latest of the latest there are more powerful (and expensive) options. 💡 BUY IT IF… You need to renew your desktop gaming hardware in the middle of the sector crisis ⛔ DON’T BUY IT IF… You plan to make the jump to AM5/DDR5 in the short term (even at these prices) Two pieces of hardware ideal to accompany this Ryzen ASUS TUF Gaming B550M-PLUS WiFi II po A and C, Aura Sync RGB), B550 II The price could vary. We earn commission from these links CORSAIR Vengeance LPX DDR4 RAM 32GB (2x16GB) The price could vary. We earn commission from these links Some of the links in this article are affiliated and may provide a benefit to Xataka. In case of non-availability, offers may vary. Images | amd, Timothy Dykes, Remy on Unsplash In Xataka | Best gaming mice: which one to buy and 8 recommended models In Xataka | Best gaming keyboards 2026. Which one to buy based on use and 8 recommended models

Apple is knocking on Chinese doors looking for RAM. According to the Bank of America, it is pure theater

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Apple is in the same adventure as the rest of the companies that sell consumer technology: the adventure of getting RAM memory. Although during the beginning of the RAM and storage crisis it seemed that Apple was the only one that could endure the blows, reality ended up hittingdemonstrating that if they had not raised prices it was because they had plenty of stock in advance. When that stock disappeared, we saw reality: model withdrawals, price increases and, more recently, new price increases with a whopping 20% ​​more on iPad and Mac. The problem for those from Cupertino is that the key moment of the year is approaching: the launch of the iPhone 18 Pro and the rumored foldable iPhone, and there the price is going to be crucial. That’s why they find themselves looking for RAM and storage even under the rocks, with China being the market in which they have put the magnifying glass to see if memory from manufacturers like CXMT can fit your products. But of course, there is a problem: the United States and, above all, the Bank of America, which says that All this about Apple looking for RAM in China is a little theater. Teatrillo to get better prices A few days ago we said that Apple was knocking on doors. If Samsung, SK Hynix and Micron don’t open because they are so busy neglecting the consumer segment in favor of AI, then we have to ring new bells. With the cushion on the latest and new key products on the starting grid, Apple’s escape route seems to have a name: CXMT. ChangXin Memory Technologies is a Chinese DRAM manufacturer founded in 2016 that, since then, has been polishing its product lines, making significant advances to catch up with its large South Korean competitors in different DRAM models and technologies. That said, it is estimated that Apple is striving to bring positions closer together with CXMT to ensure supply, but this has caused Bank of America to raise an eyebrow. And even worse: CXMT is on a certain list of the US Department of Commerce. In a recent report, Bank of America analyzes the market situation, exposing that there are misconceptions about the memory chip sector and stopping, curiously, at Apple’s intention to approach the Chinese manufacturer. The bank sees positive the continuous and massive spending of Big Tech to make data centers, but when it comes to buying memory from China, they are not so positive. According to the bank, Apple’s recent efforts are just a movement, a little theater, to gain bargaining power against the usual suppliers. This makes sense. Apple is no longer Nvidia, but it is still a very big fish in the consumer sector and buys a huge amount of components from different manufacturers. If Apple reached an agreement with CXMT, it would have an impact on the accounts of suppliers such as Samsung or SK Hynix. Because in the end, that’s what this is all about: that the big fish has much more decision-making and negotiating power than the small one. When Valve wants to do its Steam Machine, You should accept what they offer you. at the price they offer it and without question, but Apple is, in the field of hardware, much more important than Valve and would have some negotiating power. For Bank of America, it’s all about that strategy because they believe that the memory that the Chinese can create is, currently, valid only for more modest deviceslike a hypothetical iPhone 18e, not for the top of the range like the iPhone 18 Pro, the iPads with M processors or, above all, the Macs. And more important than the institution’s analysis is the fact that CXMT appears on the Pentagon’s blacklist of Chinese Military Companies. According to the Financial Times, Apple has been pressing to the Government to being able to buy memory from CXMT without consequencesbut if tomorrow, for whatever reason, the Chinese company enters the other Pentagon blacklist (in which American companies are prohibited from trading), Apple would be in serious trouble. In the end, no matter what happens, what is certain is that we, the users, will be the ones we end up paying the consequences. And products like the aforementioned Steam Machine, but also what is projected PS6low-end mobile phones, Raspberry Pi, nintendo switch 2 either the new xbox They are examples of what we can expect: prices -very- rising. Image | Laurenz Heymann (edited) In Xataka | In 2007, Steve Jobs went on stage with an iPhone that barely worked: he was saved by a script that did not allow even a detour

A bank convinced people in a poor town in the US to spend their savings. Now it’s full of millionaires

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Stories of lucky breaks and millionaires there are manybut they almost always have a common denominator: we speak in singular. That is why what happened in a small town in Florida whose families were going through serious difficulties to get ahead is so special. Even today, the enclave continues to seem like a nondescript and inhospitable town. But don’t be fooled, a large number of millionaires still live there among the people. And all thanks to Coca-Cola. Quincy and the banker. This is the name of the town in one of the most fascinating stories of the United States economy. There, in the midst of the Great Depression of the 1920s and 1930s and with part of the census in serious difficulties, a figure appears who was going to change everyone’s lives. Your name: Pat Munroean astute banker, a businessman who focused on a key detail to convince all citizens. No matter how impoverished they were in Quincy or how dire the financial situation of the families, the man observed that almost religiously, people spent every penny on a nice ice-cold glass of Coca-Cola. What if that devotion turned it into a stroke of luck? Coca-Cola in a bag. The sugar giant It went public in 1919 at $40 a share.but a conflict with the sugar industry and its bottlers caused a 50% drop shortly after, when it reached $19 per share. Put another way, there was a time in history when Coca-Cola was trading for less than cash in the bank and its stock was extremely cheap. And among others, Munroe was at the right time. The bargain of the century. What did he do? Invest. The man began to acquire Coca-Cola shares as if there were no tomorrow. However, he did not do it alone. He encouraged all his acquaintances and friends of acquaintances in town to buy a stake in the company. Focusing on bottom line profits and brand power, Pat Munroe kept buying and buying. And as he did so he kept telling everyone in Quincy who would listen to him to buy too. He took advantage of the trust and respect the community had for him and went on a crusade to get anyone who could to get on the Coca-Cola train. Loans for shares. The man was so sure of his success that every time a person went to his bank to ask for a loan, encouraged him to accept another in exchange for shares. Farmers, shopkeepers, teachers: absolutely anyone who could spend money was tempted by Munroe. For the banker, the fact that Coca-Cola shares were at $19 each was an opportunity that no one in the city should escape. That is why he never tired of urging people to buy and, almost as important, to remain firm in the decision regardless of the market fluctuations that occurred in the short term. The ball Finally, the banker’s observations turned out to be a historic success. Quincy, an eminently agricultural city, not only stayed afloat in difficult times thanks to Coca-Cola dividends, brought a wealth that is still studied in universities. In fact, the enclave became the richest city per capita in the entire United States for a time, and dozens of its inhabitants were nicknamed “the secret Coca-Cola millionaires.” People who trusted Munroe’s good eye and invested all their money (and what they didn’t have), and who amassed enormous fortunes with those first shares, which they then passed down from generation to generation, turning them into the eponymous Coca-Cola millionaires, ones who, effectively, established entire dynasties of financial prosperity that transcended generations. How much are we talking about? It is difficult to speak in total terms, but to give us an idea of ​​the money, in 2013 it was made a study evaluating what happened in Quincy. The results showed that a single share with reinvested dividends was worth $10,000,000. $270,000 in pre-tax cash dividends would be sent to the owner by sending a check for approximately $67,500 in March, June, September and November of each year. Thus, if the great-grandmother and the great-grandfather on duty had acquired a round lot of 100 shares for between $1,900 and $4,000, depending on the purchase price, they would have more than a billion dollars, excluding the effects of estate taxes. By the way, the current value is considerably higher, since the stock has more than doubled its price since then and the quarterly dividend now exceeds $0.53 per share. Money for crisis. That investment has been a lifesaver every time a tough time approaches. When the local economy was supported by coca and the crisis arrived, tail dividends. In fact, these assets have supported the city through every recession since. When crops failed, it was Coca-Cola money that kept people employed. When the national economy collapsed, it was Coca-Cola’s cash that allowed people to stay in their homes. When times were good and Coca-Cola was cheap, they bought more shares. Quincy today. It is a unique story, because it is unusual. Every family that amassed a fortune then passed it on to their children and grandchildren, in some cases through direct donations and in others through the use of trust funds. Even the bank where it all started has a Coca-Cola on display and, according to data from the early 2010s, a staggering 65% of trust assets under management were still invested in Coca-Cola stock. Quincy’s appearance today is not much different from the Great Depression era. It remains a quiet and eminently agricultural city with a population around to 7,000 inhabitants. But don’t let your eyes fool you, some of the grandchildren whose families built an empire, that of the secret Coca-Cola millionaires, still walk through those streets. A version of this article was published in July 2025 Image | PXHere, Ebyabe, PXHere In Xataka | Jeff Bezos asked his parents for their life savings to found Amazon. They only asked him one question: “What is the Internet? In Xataka | Madrid may … Read more

names, bank details and more, compromised

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Basic-Fit is one of those names that are repeated over and over again when we visit different European cities. Their gyms are everywhere and their backpacks have become almost a recognizable element in the urban landscape. Precisely for this reason, what has just come to light is not a minor incident: the largest gym chain in Europe has suffered a security breach which has exposed information of around a million clients. The question is inevitable: what exactly happened? According to a statement sent to Xatakathe attackers managed to breach the system responsible for recording members’ visits to the gyms. We are not facing just any system, but rather one of the pieces that are part of the daily lives of millions of users. The company maintains that the intrusion was detected automatically by its monitoring systems and that it was blocked within a few minutes. The geographical scope of the incident is clear: six of the 12 countries where the company operates have been affected by the intrusion. We are talking about Spain, France, Belgium, Luxembourg, Germany and the Netherlands. In the case of the latter, the number of affected is around 200,000 customers, and there are no details on the rest of the territories. If you’re wondering why only half of the countries have been affected, Reuters has the answer: the rest operate under a franchise model with different computer systems. It is a key point to understand why the scope could be more limited than it initially appears, although it is still significant. The company has launched an investigation with external cybersecurity experts. Thanks to this, we are beginning to outline what type of information may have been compromised. According to the statement, the exposed data includes: Membership Information Name and address Email address Phone number Birthdate Bank details (partial leak; only some users’ IBANs were exposed) Basic-Fit insists that no identification numbers or passwords have been leaked, nor has it detected that the data is circulating publicly. When he talks about the latter, everything indicates that he is referring to environments such as dark webwhere this type of information usually ends up for sale and where personal data becomes a more commoditys. Just because there is no trace now does not necessarily mean that it cannot appear later. The risk, in any case, is real. With access to this type of data, a malicious actor can launch phishing much more credible or even more precisely targeted attacks. Therefore, beyond the specific scope of the breach, the recommendation is clear: it is advisable to exercise extreme caution with any email or communication we receive in the coming days, and always verify that they come from legitimate sources. Basic-Fit, being a listed company and operating under European rules, has notified the data protection authorities about the incident. At the same time, is notifying customers who have been affected. Images | Basic-Fit | freepik In Xataka | How often should we change ALL our passwords according to three cybersecurity experts

Fuel prices are so high that airlines are at risk of disappearing, according to Deutsche Bank

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On February 28, the United States and Israel bombed several cities in Iran, starting a conflict that has already spread to other countries in the Middle East, when Iranian missiles responded to Bahrain, Qatar, Saudi Arabia, Kuwait or Dubai and other emirates. One of the consequences has been the rise in fuel prices at a dizzying pace due to the paralysis of a key corridor for global energy: the Strait of Hormuz. The days go by, prices continue to rise and when something as strategic as oil rises, it is a matter of time before the accounts come together. Deutsche Bank warns: the sword of Damocles is on the neck of the airlines. The context. Bloomberg collects the information sent by the German financial institution to its clients: while the price of crude oil has increased by 50% so far this year, it is aviation fuel that takes the cake. The British Argus Media collects the price of the jet in recent days for the hubs of Chicago, Houston, Los Angeles and New York, where we see how it goes from 2.17 dollars per gallon on January 5 to 2.29 on February 5 until approaching 4 dollars per gallon on March 5 (3.95). In the United States, the price differentials between jet fuel and the price of crude oil range between $85 and $95 per barrel, equal to or higher than the cost of oil. That huge gap between the price of crude oil and that of refined products (called the crack spread) wreaks havoc. The last time a crack spread like this occurred was in 2005, when hurricanes Katrina and Rita. Why is it important. Because as the German entity highlights, 20 years ago the crack spread caused significant and widespread damage to the airline industry, which was the trigger for airlines to Delta Air Lines and Northwest Airlines filing for bankruptcy. The historical precedent sets off all the alarms. And Deutsche Bank is not alone: the CEO of United Airlines At the moment it has already warned that the increase in jet fuel prices will have a “significant” impact on first quarter results and that there could be an increase in air fares. Deutsche Bank analyst Michael Linenberg is forceful: Without immediate price relief, “some of the most financially vulnerable airlines could halt operations” and “airlines around the world could be forced to ground thousands of aircraft.” In detail. At the moment, airlines have plummeted on the stock market since the beginning of the conflict. American Airlines has lost 19% so far this year, but the blow is global: a group of 29 airlines, hotels and travel companies from Europe, Asia and North America together lost $22.6 billion in market capitalization in a single day, according to Reuters. In Xataka | The rocket and the pen: the theory that explains why the rise in gasoline is here to stay In Xataka | There is a hidden war to sell us the cheapest possible gasoline. One that Ballenoil and Plenergy already dominate Cover | Dawn McDonald and Daniel Shapiro

“Being a gossip” is enough reason for dismissal for the director of a bank branch

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They say that curiosity killed the cat, and if that curiosity belongs to the director of a CaixaBank office, it is most likely that her position is in danger. As an example of this, the person in charge of an office of that entity in a small town in Gerona who was fired for “gossiping” about the bank details of people in her town. The courts called it fraud and breach of trust. The case reached the Superior Court of Justice of Catalonia, which confirmed that the disciplinary dismissal It was completely justified. Curiosity killed the cat. As detailed in the sentence issued By the Catalan Superior Court of Justice, in November 2023, CaixaBank detected anomalous accesses to its customer database. The director of the Les Preses (Gerona) office had been accessing clients’ banking information without apparent justification. An internal audit revealed the magnitude of the problem: between November 3, 2022 and December 11, 2023, management had made inquiries about 170 different clients on 210 different days. The most serious thing was the pattern since of those 170 clients consulted, 84 were family members or people in their close circle, and 121 lived in the same town where the director lived. The searches were done mainly by first and last name, something very unusual in banking operations normal in which the user’s ID is used to avoid confusion between users with identical first and last names. The explanations that did not convince anyone. When the audit investigated the accesses, the director tried to justify herself. First he said it was common to review customer accounts at other offices to confirm that cash transfers between users had been completed correctly. He then stated that some customers had asked him for help because they had had access problems from the application of the mobile. But as more information became known, those excuses began to lose foundation. The bank confirmed before the court that the majority of those 170 clients had connected through the mobile application on the same day that the director consulted their accounts, which showed that they did not need its intervention. Without arguments, all he was left with was the truth: she was a gossip. Finally, the worker admitted that she had consulted this data because of “xafardería”, a Catalan term that means simple curiosity or gossip. She acknowledged that she had not done so at the clients’ request nor was she looking for specific information, but rather motivated by curiosity to know the payments and financial movements of her family, friends and neighbors. He also assured that I had not shared that information with nobody. However, this confession was not enough to save him from the consequences: immediate disciplinary dismissal. There was abuse of trust and the TSJC confirmed it. CaixaBank did not hesitate to act when the conclusions of the internal investigation were known. On January 31, 2024, he was notified of his disciplinary dismissal on the grounds that his actions constituted a “very serious breach of contractual good faith, fraud and abuse of trust”, in accordance with the provisions of article 54.2.d) of the Workers’ Statute and article 76.4 of the current Collective Agreement for savings banks and financial entities. The Social Court number 1 of Figueras supported this decision on July 26, 2024. The worker tried to appeal to the Superior Court of Justice of Catalonia, but the court rejected all her arguments. The court concluded that “there is no justification” for these consultations and that the conduct “contradicted the code of ethics and the confidentiality regulations that must govern a business as sensitive as banking.” The sentence left no room for doubt, declaring the dismissal proper and definitive. A lesson in trust and responsibility. As and how they stand out in the specialized environment Economist & Juristthis case leaves important lessons about how access to sensitive information in a financial institution is a privilege that carries responsibility. The director had received training on data protection and the code of ethics, so she was fully aware of the rules she was breaking. His position in the office gave him access to private data of hundreds of people, and used that access to sensitive information to satisfy simple curiosity. Due to the recurrence of the consultations, the courts understood that this was not an isolated case, but rather a deliberate pattern of conduct that violated the trust placed in it by the entity and its clients. In Xataka | The EU has once again taken a look at the Spanish labor market and has once again reminded Spain of something: firing is too cheap Image | Unsplash (Rodrigo Rodrigues)

from image bank to Adobe rival

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Tomorrow, November 20, our Xataka NordVPN Awards 2025which you can follow from our website. In them we will reward the most important devices and technologies of this year and for the first time we will present the special Xataka Award to the best Spanish technology company. The winner is Freepik, the Malaga company that has gone from being a bank of images and graphic resources to competing directly with Adobe and Figma. Omar Pera, its CPO, will accompany us during the gala. The pivotal moment: when DALL-E 2 changed everything Founded in 2010 in Malaga as a simple search engine for free images, Freepik served millions of users with a simple business model: facilitating access to graphic resources. “We started the company because we were making web pages and it took us a long time to find the image we wanted,” its CEO, Joaquín Cuenca, explained to us in an interview at the beginning of the year. The launch of DALL-E 2 in 2022 It was the turning point. Cuenca’s first reaction was visceral: “This makes what we are doing obsolete.” But he quickly came to a more important conclusion: “I saw him as unstoppable.” There was no debate about whether generative AI would transform their industry, but rather how to respond. The company went from marketplace from static content to develop your own video generation, editing and production tools. And the impact has been brutal: “Almost 50% of new subscribers, their first action is to do something with AI. A year and three months ago it was 0%,” Cuenca told us in February. “And more than 50% of existing subscribers are already using AI on Freepik.” Today Freepik serves more than 150 million monthly users with a complete ecosystem of tools: Freepik, Flaticon, Slidesgo, Wepik and Magnific AI. They already exceed 800,000 paid subscriptions. Own technology to avoid lawsuits Freepik developed F Liteits generative model trained exclusively with 80 million of its own commercially licensed images. It is a strategic bet to avoid the lawsuits that companies like Midjourney and OpenAI are having to face. Solid legal ground as a competitive advantage. Magnificenta Murcia startup purchased in 2024, went viral for its ability to increase the resolution of images without distorting details. Mysticits star model, competes with Ideogram and Midjourney. Regarding the latter, Cuenca is clear: “We have a lot of respect for Midjourney,” but he considers that Freepik is superior in adherence to the prompt because “Midjourney takes a lot of artistic license.” They are also clear about their position regarding OpenAI. For Cuenca, DALL-E “was a diversion from OpenAI”: “If you have the possibility of getting the best language model in the world in your company, everything else is a distraction. With that potential, starting to make images makes no sense.” It is precisely that distraction from the giants that opened a window of opportunity. The stone in the shoe Freepik’s commitment is to build an all-in-one platform instead of forcing the use of different applications: generation with several models, video with Google I see 3 (they became the first in the world to integrate Veo), complete editing, audio, conversion to SVG… “AI is very well aligned with what we want to do, and in fact helps us expand the catalog of things that we can solve for the user,” explains Cuenca. They no longer compete as much with Getty or Shutterstock as with Adobe and company. Video is the next frontier. “The video is now where the image was in 2023,” Cuenca told us. It still requires many iterations to achieve the desired result, but the room for improvement is enormous. Democratization from Malaga, without complexes Freepik believes that AI democratizes the creation of visual content, allowing businesses of any size to produce more engaging material without the need for large budgets or specialized equipment. And he does it from Malaga, without complexes. Although it has an office in San Francisco, its center of gravity remains in Andalusia. “From Malaga to Madrid is nothing, it’s two hours or so,” explains Cuenca, who considers that the real problem of Spanish entrepreneurship is not location: “We lack people who have good ideas, that is the main brake.” Freepik competes globally from there. It is one of the great successes of Spanish technology, and without a doubt the greatest national reference in generative AI. In just two years, Freepik completely reinvented itself: from distributor to developer, from marketplace to ecosystem, freemium An essential subscription for hundreds of thousands of creative professionals. A transformation that makes it worthy of the first special Xataka Award for the best Spanish technology company. Featured image | Xataka

Calls and SMS pretending to be our bank are the past, scams with AI cloned voices are the future: Crossover 1×26

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Scams are a lifeless thing. They surround us and they flood us because we have never been more connected and more distracted. And scammers and hackers know this and try to get more out of it. And that’s how it goes for us. We talk precisely about that reality in this episode in which Jaume Lahoz has as a special guest Maria Aperadoran expert in cybersecurity and criminology, and who makes an exhaustive review of the techniques that are most used to scam us. The ones before, and the ones now. Thus, it tells us about banking scams and identity theft, but also about the danger that the user faces when they install fake applications or when they resort to pirated software and broadcasts: in many cases, saving some money to watch a match or be able to play a video game can make let’s install some malware without realizing it and, of course, ending up being very expensive. But all these methods are now added the danger posed by artificial intelligencewhich allows cybercriminals to attack more and better than ever. especially with deepfakes and cloned voices that can end up convincing us… and ruining us. There are, of course, ways to protect yourself and to avoid possible scares. María Aperador tells us about all of them and opens a door to hope. As that one said, be careful out there. On YouTube | Crossover

As of October 9, transfers in the EU will no longer be the same. A new bank verification enters into force

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You open the bank’s app, choose “Transfer,” you go, you write the name of the recipient and confirm. Today, October 7, 2025, if that name does not match the holder of the account, the usual thing is that the payment is executed without alerts. As of October 9, that everyday gesture changes. In the EU, starting with the entities of the euro area, the bank must check if the name you enter with that of the IBA before authorizing the shipment. The idea is simple, that money reaches who owes. Until now, European banks were not obliged to verify whether the beneficiary’s name coincided with the IBA before executing a transfer. The system was based only on the account number, which allowed payments to be processed even if the name was not correct. Some countries, such as the Netherlands, had developed verification mechanisms such as the “Iran-Naam Check”, but there was no common norm. The new European regulation corrects that disparity and establishes a uniform procedure for the entire union. Three possible messages. When the bank taught the name and the Iban, the answer may be one of three. Total coincidence. If the data fully coincide, the transfer will be validated without additional notices. Partial coincidence. If there are slight differences (a changed letter, an absent tilde or an abbreviated name) an alert will appear indicating partial coincidence. In that case, the user may review the data or continue under their responsibility. Without coincidence. If there is no coincidence, the system will warn that the data does not quote, without showing the real name of the holder for privacy reasons. WARNING, DO NOT BLOCK. Receiving an alert does not mean that the payment is blocked. The system is designed to inform, not to prevent the operation. Even if the name and the IBAN do not coincide, the user will be able to move forward with the transfer under their own responsibility. What changes is the transparency of the process. Before it was not known if the data fit; Now the bank will show you before executing the shipment. The final decision will remain yours. People and companies. The verification is based on the identification data of the account holder. If the beneficiary is a natural person, the system will compare its name and surname as it appears in the receiving bank. In the case of a legal person (for example, a company or association), the verification will focus on the company name or the commercial name. The usual errors, such as tildes, abbreviations or second denominations, can generate partial coincidences, but will not prevent the transfer, as we mentioned above. Standard, immediate and periodic. Verification will apply to both standard and immediate transfers, without additional cost for the user. One of the payment entities that have detailed how the process will work is Nickel. As explainedperiodic transfers scheduled before October 9, 2025 will not be subject to the beneficiary’s verification, although its execution is subsequent. Only the coincidence in the new orders created from that date and once, at the time of configuring them, will be verified. Absence of verification. As Nickel also explains, it can happen that the system fails to check the name with the Iban. This ruling, the company points out, may be due to communication problems between banks or specific technical limitations. In that case, the entity indicates that it will also proceed with the transfer, without the system confirming the coincidence of the beneficiary. Nickel herself advises to cancel the operation if there are doubts about the recipient, especially when it comes to high amounts or unusual accounts. The origin of the measure is in the rebound of bank fraud in the last decade. The European institutions, headed by the Commission and the ECB, considered that the system knows a mechanism for verifying the beneficiary to prevent erroneous payments and identity robberies. With the new standard, each transfer will include an automatic verification that acts as an informative filter. It does not delay shipping, but offers a warning that did not exist before. Vishing, Smishing, Romance and BEC. Behind the regulatory change are the fraud that proliferate in Europe and that banks try to stop new verification tools. He Vishingfor example, use false phone calls to impersonate bank employees or authorities. He SMISHING It arrives by SMS with messages that simulate being from the bank or a shipping company. They have also extended The romantic scamswhere the victim’s trust is gained before asking for money, and the CEO fraudin which an alleged manager orders urgent and confidential transfers. Beyond the differences between modalities, almost all bank scams share the same pattern. They use psychological manipulation techniques to generate urgency, fear or trust, and rely on identity supplant to seem legitimate. In most cases, they seek to make the user a bank transfer, taking advantage of emotions such as concern, empathy or hierarchical pressure. The verification of the beneficiary does not eliminate these risks, but it can act as a pause that allows to detect the deception in time. Before clicking “Send.” Stop for a few seconds can make a difference. Before confirming a transfer, it is convenient to calmly review the name and I went from the recipient, especially if it is a new account or a recent change. If the bank notice indicates a partial or without coincidence, the most prudent is to verify the data by a different channel (a direct call or an official website). And, given the minimal suspicion, canceling is always better than regretting. The new system also reaches companies and professionals who make frequent payments. Each transfer will require confirming the coincidence between the name of the beneficiary and the IBAN, which will add a small step to the usual process. For companies, it can be an opportunity to reinforce their treasury controls and detect internal fraud attempts or supplier supplant. It is not a lock, but a filter of verification. What banks, what countries, what deadlines. The … Read more

The Spanish rail giant had planned to build a lightwail between Jerusalem and the West Bank. Now has a problem

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The Basque CAF It is found In the international view for its participation in the Jerusalem Railway Project, which connects Israeli settlements considered illegal by the United Nations. The pressure on the company has intensified after appearing cited in An official report of the UN on companies that benefit from the occupation. A dispute project. CAF has been part of a consortium with the Israeli Shapir since 2019 to build and expand the red and green lines of the Light Jerusalem Rail. The project, valued at 1.8 billion euros, includes 27 kilometers of new roads and 50 stations that connect settlements in the West Jerusalem. The Basque company would take more than 500 million euros for construction and equipment, in addition to its participation in management for 15 to 25 years. Why is it problematic. The UN Special Rapporteur, Francesca Albanese, has included to CAF in its report “of the economy of occupation to the economy of the genocide”, presented before the Human Rights Council. According to the document, these infrastructure “contribute to the maintenance and consolidation of illegal settlements” and connect the colonies with Israel “while excluding and segregating the Palestinians.” The Human Rights Council itself declared the project illegal in 2016 and 2017. The pressure intensifies. Amnesty International has been asking CA for years to leave the project. “CAF cannot continue looking the other way and not meet international recommendations,” affirms Esteban Beltrán, director of the NGO in Spain. The organization also claims the Spanish government and the Basque Government, a shareholder of the company, to evaluate the CAF links with “the illegal behavior of Israel.” Others are retiring. The case It is not isolated. In 2024, the Catalan Comsa withdrew from the consortium that had won the construction of the blue line of the Jerusalem tram. The Basque Acerera Sidenor also announced that it will stop serving steel to Israeli companies. International funds such as the Norwegian sovereign have retired their participations from Shapir, a partner of CAF, and the manager Storeband excluded CAF from his portfolio for his participation in the project. CAF’s response. The company maintains in its sustainability reports that “no violation of human rights has been detected” derived from their participation and describes the territories as “object of political controversy.” However, for international organizations, CAF is obviating the resolutions of the UN Security Council, the European Union and the International Court of Justice on the illegality of settlements. Between the lines. The project places CAF at a crossroads between commercial interests and international pressure. Your shareholders include to the Basque Government, Kutxabank, the Matrix of the Mayoral Textile and the workers themselves with 25% of the shares. Meanwhile, the geopolitical context has hardened after the attacks of October 7 and the Israeli response in Gaza, increasing international scrutiny over any company linked to occupied territories. Cover image | Alexander Berezhnoy In Xataka | Ryanair’s escape in small airports has taken Andalusia to a radical idea: his own independent “aena”

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