The FCA is urging financial firms to prepare now for post-quantum cryptography and is trialling a supervisory tool to assess their readiness. It points to milestones for migration planning by 2028 and completion across all systems, services and products by 2035.
· 1 min read
Regulation & LicensingThe US Office of the Comptroller of the Currency has issued a framework for examining banks’ use of Super Intelligence and agentic SI. It says examiners should not treat the technology as a separate risk category or require banks to establish a distinct SI risk appetite.
· 1 min read
Regulation & LicensingFINMA has opened a consultation on changes to its interest rate risk circular, incorporating recalibrated Basel shocks and placing greater emphasis on banks’ revenues. Responses are due by 15 January 2027.
· 1 min read
AnalysisHow five core banking and payments software platforms compare on functionality, licensing control, source-code rights and long-term cost for EMIs, payment firms and neobanks.
· 7 min read
ComparisonTraditional banks and neobanks can offer similar everyday services, but their licences, account structures and customer protections may differ. This guide explains how to compare them by legal status, access to money, costs, lending and support across major jurisdictions.
· 8 min read
AnalysisHow five core banking and payments software platforms compare on functionality, licensing control, source-code rights and long-term cost for EMIs, payment firms and neobanks.
· 7 min read
· 1 min read
Payments & TransfersThe Eurosystem plans changes to TARGET2-Securities’ night-time settlement process in June 2027, ahead of Europe’s move to next-day settlement. ECB Executive Board member Piero Cipollone also outlined progress on tokenised asset settlement and collateral eligibility.
· 1 min read
Industry GuideStablecoins can move value across borders outside conventional banking hours, but they do not remove foreign exchange, compliance or cash-out costs. This guide explains how stablecoin payments work, where they can help and what businesses should check before using them.
· 8 min read
· 1 min read
Regulation & LicensingThe US Office of the Comptroller of the Currency has issued a framework for examining banks’ use of Super Intelligence and agentic SI. It says examiners should not treat the technology as a separate risk category or require banks to establish a distinct SI risk appetite.
· 1 min read
· 1 min read
· 1 min read
Industry GuideNon-bank lenders provide credit without operating as conventional deposit-taking banks. This guide explains where their money comes from, how loans are assessed and serviced, what borrowers pay, and how regulation differs across major jurisdictions.
· 8 min read
How the financial system beyond traditional banks actually works.
Industry Guide· 8 min read
Industry Guide· 8 min read
Industry Guide· 8 min read
Industry Guide· 8 min read
Industry Guide· 8 min read
Industry Guide· 8 min read
Industry Guide· 8 min read
Explainer· 8 min read
Fintech regulation depends on the activity, the legal entity and the customer’s location—not simply where an app is built. This guide compares licensing, customer-money protection and cross-border access in the EU, UK, US, Switzerland, UAE and Singapore.
· 8 min read
AI helps financial firms detect fraud, assess credit, process documents and support customers. This guide explains how these systems work, where they can fail, and how oversight and regulation differ across major jurisdictions.
· 8 min read
Traditional banks and neobanks can offer similar everyday services, but their licences, account structures and customer protections may differ. This guide explains how to compare them by legal status, access to money, costs, lending and support across major jurisdictions.
· 8 min read
Financial infrastructure is the machinery that records ownership, moves money and manages financial obligations. This guide explains how its main components work, how banks and non-bank providers connect to them, and what to check across major jurisdictions.
· 8 min read
Fintech valuation starts with understanding how a business earns money, who carries the financial risk and how much capital it needs. This guide explains the main valuation methods, the metrics that matter across business models, and how regulation, funding and shareholder rights affect the result.
· 8 min read
Fintech companies earn revenue from payments, subscriptions, lending, foreign exchange, investments and financial infrastructure. This guide explains who pays, how the money flows, which costs matter and how regulation shapes each business model.
· 8 min read
