Payments Market Infrastructures (PMIs) are critical to the stability of the global economy, comprising the various systems that enable safe, efficient and open payments. Yet, the rapid transformation of the payments industry…

For decades, incumbent banks have held a leadership position in the payments business and enjoyed high fees, healthy margins and limited competition. But as the payments ecosystem expands, these incumbents find themselves competing…

Post Covid-19 there will be no return to the norms of 2019 for banks in the US; with the impact on the behavior and expectations of customers resulting in an overwhelming demand…

Payments transformation has emerged as perhaps both the single biggest opportunity, and challenge, for banks. Given the proven link between successful payments transformation and payments profitability the potential rewards are huge. But…

Instant payments is no longer the new kid on the block, with over 40 schemes around the world. The question now is how do banks make a return on the investment they’ve…

The payments industry relies on data every day. It is through this data that consumers are able to receive salaries, pay bills and make purchases. But financial institutions are under increasing demand…

Can Distributed Ledger Technologies (DLT) be the basis for a revolution in cross-border payments?  Cross-border payments and the correspondent banking model have not kept pace with advances in domestic payments such as…

There is a lively debate on whether the modern real-time payment infrastructures came into being through regulation or out of commercial necessity and end-user demand. Although regulators are almost always involved in…

The convergence of Open Banking, PSD2 and instant payments are giving rise to new use cases in the payments industry on an almost daily basis. The creation of new customer centric value-added…