News & Insights

Widely regarded as the more respectable face of crypto, stablecoins are poised to become an integral part of the financial system’s future. With their ability to stabilise prices and in conjunction with harmonised regulations, stablecoins hold the promise of improving access to financial services. During EBAday 2020 in November, Josje Fio...

A much-discussed (and much-hyped) topic among central banks is the issuing of currency in a digitalised form: a Central Bank Digital Currency (CBDC). It is claimed that CBDCs could have a significant impact on the payment infrastructure and ecosystem because they could change the rules of the game. However, the various existing CBDC imple...

The rising importance of Open Banking, digital identity, consent management and data sharing has created a ‘Blue Ocean’ market for banks. We believe that they now have a unique opportunity to strengthen and truly safeguard their relevance in the data economy. But they need to start taking decisive action right now in order to demonstrate ...

Sixteen major Eurozone banks have come together in the European Payments Initiative (EPI) to launch a new payment system aimed at taking on rival card schemes and the threat posed by Chinese and US big-tech firms. Although previous pan-European collaboration projects (e.g. Monnet, Eaps, Payfair) have not been perceived as a great success,...

In Malaysia, where cash is still the preferred payment method for both consumers...