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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Wallets
Digital or mobile wallets, wallets with P2P payments capability and virtual banking, e.g., Apple Pay. Content related to neo-banks is included in this category, as is content related to contactless payments.
RUSSIA STARTS DIGITAL RUBLE TRIALS – CENTRAL BANKING
This article describes Russia’s testing of the digital ruble, and includes testing the process of opening digital wallets and transferring money to them and person-to-person transfers.
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PUSH VS PULL PAYMENTS
A slide showing how push and pull payments function, with the differences shown graphically (example with Visa).
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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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CBDC WALLETS AND THE SECURITY REQUIREMENTS
In this publicly available GSA report, authored by Teddy Kyung Lee, central bank digital currency (CDBDC) is defined, and contrasted with crypto. In addition to basic definitions, there is an emphasis on how CBDC wallets must be secured.
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SECURING DIGITAL WALLETS FOR CBDCS
In this brief Linkedin post, mobile or digital wallets are defined, a general overview is provided, and the general security requirements are summarized.
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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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A WORLD TOUR OF DIGITAL CURRENCY PROJECTS
This article looks at central bank efforts in Asia, Europe, and North America to support digital wallets and payments, through digital currencies.
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A NEW PUSH FOR PUSH PAYMENTS
This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,
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