TOP FIVE MOBILE WALLET TECHNOLOGIES 2023
6Sense’s Top Five Mobile Wallet Technologies based on findings from their own database of customers.
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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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STABLECOIN AND PAYMENTS
This is a link to PAXOS, where they explain Paxos stablecoins are subject to oversight by the New York State Department of Financial Services, meeting the high standards of consumer protection. PAXOS uses API-based blockchain technology to implement payments solutions across many different industries.
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FED LAUNCHES NEW PAYMENTS SYSTEM THAT LETS YOU SEND MONEY IN SECONDS
A brief report by Yahoo News about the launch of Fed Now, a real-time payments system, by the US’ Federal Reserve.
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EUROPEAN COMMISSION INTRODUCES PSD3/PSR TO ADVANCE OPEN BANKING
In this white paper, TINK (a Visa company) explains how PSD3/PSR is a welcome addition to the development of open banking in Europe. PSR should address standardization issues and past problems with APIs. The requirements should be passed before the summer of 2024 with enforcement happening by the end of 2025.
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FINTECH REGULATION LEGAL ISSUES AND REGULATORY COMPLIANCE (UNITED STATES AND UK)
A link to an article by Geniusee identifying the most important regulatory issues facing fintechs and listing the regulatory bodies with which they deal in the US and Uk.
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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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WELCOME TO INSTANT PAYMENTS UNIVERSITY
A link to a resource page and numerous resources about the Federal Reserve and its planned introduction of Fed Now, a real-time (RTP) settlement system in the United States in July 2023..
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EU DIGITAL IDENTITY WALLET PILOTS PULL IN BIG NAMES BUT QUESTIONS EMERGE (CONSORTIUM IDENTITY MANAGEMENT)
In this article Visa, Idemia and Thales announce EU digital wallet consortium membership.
MISSING KEY: THE CHALLENGE OF CYBER SECURITY AND CENTRAL BANK DIGITAL CURRENCY
In this report the Atlantic Council presents six digital currency variants that could form the basis of a Central Bank Digital Currency (CBDC) system. There is a focus on cybersecurity.
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