--- title: "Kratika Jain (@kratikajain) | Hashnode" description: "Engineering leader | I have moved my writing to Substack! Subscribe! https://kratikajain.substack.com/. Read the latest articles by Kratika Jain on Hashnode." url: "https://hashnode.com/@kratikajain" --- @kratikajain # Kratika Jain @kratikajain · London, UK · Joined April 2026 Engineering leader | I have moved my writing to Substack! Subscribe! https://kratikajain.substack.com/ [Website](https://kratikajain.com/) ### [What I look for while evaluating a payment system!](https://kratikajain.com/tdd-payment-system?utm_source=hashnode&utm_medium=feed) A practical framework of technical due-diligence in payment systems 5 min read · [kratikajain.com](https://kratikajain.com/tdd-payment-system?utm_source=hashnode&utm_medium=feed) [May 14](https://hashnode.com/posts/tdd-payment-system/6a05f555baf09db7a6180471) ### [Every serious payment system needs a double-entry ledger](https://kratikajain.com/double-entry-ledger?utm_source=hashnode&utm_medium=feed) Designing financially correct Payment Systems 11 min read · [kratikajain.com](https://kratikajain.com/double-entry-ledger?utm_source=hashnode&utm_medium=feed) [May 11](https://hashnode.com/posts/double-entry-ledger/6a01c0a0fca21b0d4b0fff06) ### [The PSD2 participants map](https://kratikajain.com/the-psd2-participants-map?utm_source=hashnode&utm_medium=feed) Who does what (and why it matters in engineering) 6 min read · [kratikajain.com](https://kratikajain.com/the-psd2-participants-map?utm_source=hashnode&utm_medium=feed) [May 10](https://hashnode.com/posts/the-psd2-participants-map/6a0111cfe3eebc2e20da7e31) ### [Your hero-engineer might be your biggest operational risk!](https://kratikajain.com/hero-engineer-biggest-risk?utm_source=hashnode&utm_medium=feed) The 2am hero - asset or a warning sign? 5 min read · [kratikajain.com](https://kratikajain.com/hero-engineer-biggest-risk?utm_source=hashnode&utm_medium=feed) [May 10](https://hashnode.com/posts/hero-engineer-biggest-risk/6a010685e3eebc2e20d619c3) ### [Do you need a PSD2 licence?](https://kratikajain.com/do-you-need-a-psd2-licence?utm_source=hashnode&utm_medium=feed) Scope, Exemptions, and How to Decide 9 min read · [kratikajain.com](https://kratikajain.com/do-you-need-a-psd2-licence?utm_source=hashnode&utm_medium=feed) [May 9](https://hashnode.com/posts/do-you-need-a-psd2-licence/69ffb695e3eebc2e20018f58)