News & Insights

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Blog

Cutting Through The Noise: Key Insights On Stablecoins, Deposit Tokens And CBDCs

In the wake of the digital revolution, the money landscape is rapidly evolving. Tokenized money — simply put, any form of money that exists on a blockchain network — has emerged as a fully digital means of transacting. Initiatives are gaining momentum, leading to a diverse array of options. In this article, we focus on the three...

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Blog

The Pulse of Open Banking in the U.S. - leading on APIs, but lagging on developer experience...and unclear on regulation

Given recent developments around the introduction of Section 1033 in the US, this blog takes a closer look at the current state of Open Banking in the country.To do so, we will apply INNOPAY’s Open Banking Monitor (OBM). Since 2017, the OBM has provided global insights into the industry by analyzing various developer experience features -...

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News

Unlocking the value of financial data: industry voices on the proposed Financial Data Access Regulation

A new report commissioned by the Euro Banking Association outlines the strategic...

Publication |

Blog

Stablecoin acceptance: a quiet revolution in merchant payments

Stablecoins are entering mainstream finance, offering the potential to make the ...

Publication |

Blog

Three Go-To-Market approaches for banks to play in the Embedded Finance space

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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Blog

Open Banking in the US: from a market-led to a regulatory approach via Section 1033

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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News

A year in review: INNOPAY releases the Book of Insights 2025

As we have stepped into another promising year, we are proud to announce the rel...

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Blog

Digital assets: the road ahead in 2025

As we embark on 2025, it’s an opportune time to reflect on the transformative events of 2024 and look ahead to this new year. The past year marked the advent of a new era for digital assets, with institutional adoption reaching unprecedented levels, driven largely by the launch of Bitcoin exchange-traded funds (ETFs) one year ago. This fo...

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Article

Navigating the data economy: key considerations for decision-makers in banking

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 ...

Publication |

Blog

How to prepare for the new MiCAR crypto rules

June 2024 marks a watershed change in crypto regulation, with the Markets in Crypto-Assets Regulation (MiCAR) going into effect across the European Union (EU). MiCAR is the first framework of its kind to regulate crypto assets, related activities, and services.MiCAR aims to establish more certainty within the often-volatile crypto market ...