Many technologies have come and gone over the past decades. Some were hyped concepts that flopped (beenz, anyone?). Others that started from humble beginnings became ubiquitous. While every technology faces its own adoption trajectory, the majority go through fairly predictable stages. The leap from niche to mainstream happens in what some strategists call the “bowling alley,” where a technology’s success in one industry (the lead pin) creates opportunities in tangentially related markets (secondary pins). More...

Two very important, but, in some respects, seemingly contradictory pieces of regulation are at the center of attention in the European financial world—the Revised Payment Services Directive (PSD2) and the General Data Protection Regulation (GDPR). Financial Institutions within the European Union already have a strong history in complying with new regulation. They know how to take new regulatory rules and translate them into business requirements, and they have the resources to do so. However, this time is different. More...

The global march toward real-time payments continues to accelerate. While banks prepare to make this a reality for their customers, one important factor is often overlooked—the issue of liquidity management. More...

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