HOW BANKS CAN COMPETE IN THE EVOLVING PAYMENTS LANDSCAPE
A slide summarizing strategies for legacy banks to compete with fintechs and emerging payments.
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HOW SHOULD CENTRAL BANKS EXPLORE CENTRAL BANK DIGITAL CURRENCY? – INTERNATIONAL MONETARY FUND
This report explores the context that central bank digital currency (CBDC) should be evaluated if designed appropriately.
HERE’S HOW ALTERNATIVE CREDIT SCORING DATA ENABLES FINANCIAL INCLUSION VIA OPEN BANKING AND AI
Open Banking within alternative credit scoring; enabling credit bureaus and other providers to access bank account transaction information.
HOW AI CAN ADVANCE OPEN BANKING’ – TECHTALKS
This describes how the adoption of Artificial Intelligence (AI) in Open Banking applications has witnessed remarkable growth, revolutionizing the financial industry.
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PAYSEND: HOW IT WORKS (VIDEO)
A video explaining how the Paysend money transfer service works. Paysend is a financial technology platform headquartered in the UK that enables any bank card (Visa or MasterCard) to send and receive money worldwide.
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WHAT YOU NEED TO KNOW ABOUT PUSH AND PULL PAYMENTS
In this brief adapted from a Linkedin post, Monica Jasuja describes the difference between push and pull payments.
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APPLICATION OF ARTIFICIAL INTELLIGENCE (AI) IN DIGITAL PAYMENTS
In this paper by Tremend, the various means of applying artificial intelligence (AI) to digital payments and wallets is discussed.
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CENTRAL BANK DIGITAL CURRENCY – ECOSYSTEM 2023
A slide that shows graphically the forms that a retail and wholesale central bank digital currency (CBDC) might take.
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CENTRAL BANK DIGITAL CURRENCY (CBDC) – SECURE ECOSYSTEM
A brief description of the steps that might be taken to create a retail and a wholesale central bank digital currency. This was originally a Linkedin post that was shared publicly.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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