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Embedding financial services at the point of need is one of the most exciting developments within the digital finance space right now. With new use cases and partnerships being announced almost daily and projected revenues generated through Embedded Finance (EmFi) north of a €100 billion in Europe, many banks feel the urge to explore...
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As of 9 February 2025, the Trump administration has introduced significant uncertainty surrounding the future of the Consumer Financial Protection Bureau (CFPB). This uncertainty is marked by the closure of CFPB offices and a suspension of funding, reflecting a continued hostility towards the bureau that was evident during the first Trump...
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In recent years, the conversation surrounding digital assets* has evolved significantly. At INNOPAY, we have been engaging with this space with an open mind, seeking to understand the potential applications of this ecosystem on a case-by-case basis. From the philosophical discussions about Bitcoin as a store of value, to practical ap...
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In an article written by INNOPAY and recently published in Journal Payments Strategy and Systems (JPSS), the opportunities arising from FiDA, eIDAS2 and Data Acts are analysed, providing strategic considerations and key next steps for banks navigating the data economy. Here, we highlight six key points from the article to help banks ...
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As part of INNOPAY’s continued focus on monitoring the Embedded Finance (EmFi) l...
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INNOPAY has promoted Mounaim Cortet to the firm’s partnership, effective as of&n...
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The latest edition of the INNOPAY Open Banking Monitor report is now available, containing a round-up of Open Banking API offerings and developer experience features available from financial institutions across the globe plus a selection of articles summarising the major trends over the past year. Benefit from these insights into the key ...
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Open Finance is growing rapidly as financial institutions continuously launch new APIs and improved developer portals to extend third-party access to financial products, services and customer data. However, there is more to Open Finance than that. INNOPAY has developed a comprehensive model covering seven key dime...
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INNOPAY research indicates that almost half of the world’s top 150 banks are now investigating services based on decentralised finance (DeFi). This reflects rising interest in exploring possible benefits of integrating DeFi innovations within traditional banking frameworks. The evolution is collectively propelled by factors such as improv...
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Unlocking value precisely at the point of need. That is exactly what embedded finance (EmFi) is about. EmFi transforms decoupled customer journeys into seamlessly integrated experiences within non-financial, digital platforms that matter in the daily lives of consumers and businesses alike. EmFi covers a broad range of financial products ...
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PayPal recently launched its PYUSD stablecoin, generating a lot of excitement am...
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The crypto evolution – or is it a revolution? – is challenging the status quo of...
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