Xtroverso Knowledge: Dutch Tax & Compliance Insights

Fraud: The Shapeshifter That Banks Fear and SMEs Cannot Ignore

by Paolo Maria Pavan

Aug 20, 2025 RISK INTELLIGENCE

Fraud is not fading. It is mutating. For years, banks pointed proudly to falling APP (Authorised Push Payment) fraud losses , as if the war was being won. But look deeper: overall fraud losses haven’t...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

by Paolo Maria Pavan

Aug 20, 2025 PAOLO MARIA PAVAN

June 2025 brought us a headline that looks good at first sight: investments in tangible fixed assets were 8.3 percent higher than a year earlier, according to CBS. A figure that makes us breathe a lit...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

Founder’s Chaos and Its Hidden Cost

by Paolo Maria Pavan

Aug 19, 2025 WISE

A small pasta maker in Utrecht. The founder, brilliant at sourdough, terrible at order. Staff never know if wages will be late, suppliers wait weeks for payments, and customers sense the tension behin...

ES ESG IT NL Paolo Maria Pavan WISE

by Paolo Maria Pavan

Aug 19, 2025 RISK INTELLIGENCE

Behind the Scam: A Risk Intelligence Autopsy Fraud, today, does not wear a hoodie and hide in a dark basement. It wears a tie, rents office space, and runs on CRM dashboards that would not look out of...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

by Paolo Maria Pavan

Aug 19, 2025 PAOLO MARIA PAVAN

Every quarter, Statistics Netherlands (CBS) releases its figures. We see percentages, decimals, neat columns: “turnover down 0.7 percent, industrial sales prices down 0.6 percent.” A small shift, almo...

DUTCH ECONOMY ES IT NL Paolo Maria Pavan

by Paolo Maria Pavan

Aug 18, 2025 WISE

I once visited a region in the Netherlands where the land had a history of flooding. The fields carried silent scars of water that had overflown its boundaries, seeping into homes, gardens, and roads....

ES ESG IT NL Paolo Maria Pavan WISE

by Paolo Maria Pavan

Aug 18, 2025 RISK INTELLIGENCE

Interest rates are moving, and many entrepreneurs in the Netherlands are scanning the horizon for a safe place to park cash reserves. A pop-up advert appears: a well-known international financial bran...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

When “No” Disappears in Business

by Paolo Maria Pavan

Aug 15, 2025 WISE

The Room Without Walls Years ago, I visited a small family business in Friesland. Everyone was smiling. Every idea was “brilliant,” every request “no problem.” It felt warm, until you noticed the invo...

ES ESG IT NL Paolo Maria Pavan WISE

by Paolo Maria Pavan

Aug 15, 2025 PAOLO MARIA PAVAN

Three hundred and five thousand. (305.000) That’s the number of employees who changed employers in the second quarter of 2025. It sounds big, until you notice that, three years earlier, the same figur...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

Speak to Your Team Like Clients

by Paolo Maria Pavan

Aug 14, 2025 WISE

A Tale of Two Conversations Last week, I overheard two calls in the same office. The first: a client on the line. The manager’s tone was warm, patient, precise, every word weighed like gold. The secon...

ES ESG IT NL Paolo Maria Pavan WISE

by Paolo Maria Pavan

Aug 14, 2025 PAOLO MARIA PAVAN

Exports Up, Germany Down: Reading Between the Lines Statistics Netherlands tells us that in June, the volume of Dutch goods exports, adjusted for working days, was up 1.8% compared to June 2024. Machi...

AUDIO DUTCH ECONOMY ES IT NL Paolo Maria Pavan

Slowness as Ecological Leadership

by Paolo Maria Pavan

Aug 13, 2025 WISE

When my grandfather ran his company, he was known for two things: never missing a handshake and never rushing a decision. He read contracts slowly, not because he doubted himself, but because he respe...

ES ESG IT NL Paolo Maria Pavan WISE