DIGITAL BANKS IN EUROPE
In this brief, converted from a publicly available Linkedin post, a high-level picture of the digital or neo-bank landscape in Europe is provided.
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$ Transfers and Digital Payments
Emerging P2P, B2B, B2P, C2B, A2A, Fintech, crossborder money transfer platforms e.g., Western Union, WorldRemit, domestic money transfer platforms, e.g., Zelle. Also included is content related to Central Bank Digital Currency (CBDC).
QR CODE PAYMENTS 2023
A slide presenting a graphic representation of the volume of payments handled via QR codes, and the processes behind QR codes.
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LETS TAKE A L00K AT QR CODES
This short report adapted from a Linkedin post by Panagiotis Kriaris, shows how QR codes (Quick Response code) that were introduced thirty years ago in Japan, can store a large amount of information and revolutionized payments.
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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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BUY NOW, PAY LATER USAGE BETWEEN BNPL USES ONLY AND BNPL USERS WITH CREDIT CARDS
This slide shows a comparison between shoppers using a buy now, pay later option vs buy now, pay later users who have a credit card. The purpose is to show how BNPL has empowered a greater number of consumers.
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LOCALIZED PAYMENTS: THE KEY TO SCALING GLOBALLY
A brief report authored by Sharon Haines, and published by a VISA company, about the importance to scale globally of accepting alternative and other localized payments.
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PAYMENT PREFERENCES INDIA, MEXICO, UK 2023
A slide showing preferences among card and alternative payments in the UK, Mexico, and India in 2023.
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GLOBAL PAYMENT GATEWAY MARKET 2023 TO 2032
A slide summarizing the likely growth in the global payment market from 2023 to 2032. That growth is likely to be driven by increased demand for mobile payments globally.
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PROJECT NEXUS: ENABLING INSTANT CROSSBORDER PAYMENTS (BAI)
A BAI report on a joint project between Singapore, Malaysia and Europe to facilitate instant cross-border payments.
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