INDUSTRY-VERTICAL – Page 3

AREAS OF INTEREST FOR FINTECH REGULATION

$ Transfers and Digital Payments, 2023, ALL CONTENT, Central Banks/Government, Geniusee, PPT, Wallets / WikiPay Research

A slide showing the developments in fintech that attract regulatory interest.

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THE PROS AND CONS OF MAKING PAYMENTS WITH SOCIAL MEDIA PAYMENT PLATFORMS

$ Transfers and Digital Payments, 2023, ALL CONTENT, Google Pay, Other Strong Payments Component (e.g., insurance, healthcare), PDF/DOC, Transaction Services, Venmo, Wallets / WikiPay Research

This brief explores how social media offer a means of sending or received money through proprietary apps or apps like Venmo or Google Wallet. The pros and cons are discussed.

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CBDC WALLETS AND THE SECURITY REQUIREMENTS

2023, ALL CONTENT, Central Banks/Government, GSA, PDF/DOC, Wallets / WikiPay Research

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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CENTRAL BANK DIGITAL CURRENCY (CBDC) – SECURE ECOSYSTEM

$ Transfers and Digital Payments, 2023, ALL CONTENT, Central Banks/Government, PDF/DOC, Prasanna Lohar / WikiPay Research

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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THE CONVERGENCE BETWEEN TELECOMMUNICATIONS AND FINANCIAL SERVICES

$ Transfers and Digital Payments, 2023, ALL CONTENT, Other Non-Financial, Panagiotis Kriaris, PDF/DOC, Telecom, Wallets / WikiPay Research

In this Linkedin post, developments are examined as mobile phones are becoming banks in our hands (or banks are being embedded into our mobile phones). This convergence of telecom and financial services has competitive implications for both.

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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH

$ Transfers and Digital Payments, 2023, ACH, ALL CONTENT, Bessemer Venture Partners, Central Banks/Government, Fed Now, Link, Marcel Van Oost, Other Strong Payments Component (e.g., insurance, healthcare), Real-Time Payments, Stablecoin, Venmo, Wallets, Zelle / WikiPay Research

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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