Payments & Fintech Research Library

Curated research papers, regulatory analysis, and market-structure reports across SWIFT, EPC, ISO 20022, payments, stablecoins, AI, regulation, and digital assets.

BizFinBench v2 - Expert-Level Financial Capability Alignment Benchmark

Academic benchmark for evaluating LLM financial capability alignment across bilingual tasks, with datasets and metrics for expert-level finance reasoning.

Topics: ai, benchmark

IMF - BankerToolBench: Evaluating AI Agents in (Apr 2026)

Introduces BankerToolBench, an IMF evaluation framework for testing AI agents on banking tasks, focusing on tool use, reliability, and performance in realistic financial workflows. It offers a benc...

Topics: ai, agentic ai, benchmark, imf

IBM - Global C-suite Series 2026 Tech Leader Study Redefining the tech

IBM's 2026 Tech Leader Study examines how tech leaders are redefining their mandate by building the IT foundation needed to deploy agentic AI at scale.

Topics: ai, market research

IBM - The race for ROI

Examines how organizations can move from AI experimentation to measurable return on investment, emphasizing operating model changes, governance, and disciplined scaling. It frames ROI as dependent ...

Topics: ai, transformation, strategy

IMF Working Paper 25 199 - AI And Digital Transformation

IMF working paper examining how AI is reshaping digital transformation in economic or financial systems, with emphasis on policy implications, operational change, and risks for institutions and mar...

Topics: ai, imf, transformation

Agentic AI is here - Bank Frontline Adoption

Examines how agentic AI is moving into frontline banking use cases, highlighting early adoption patterns, operational implications, and the strategic considerations banks face as autonomous systems...

Topics: agentic ai, ai, adoption, retail banking

Anthropic - How Teams Use Claude Code

Analyzes how organizations use Claude Code in team workflows, highlighting patterns in developer productivity, collaboration, and software delivery. Emphasizes practical adoption lessons for integr...

Topics: ai, genai, workforce, transformation

Model AI Governance Framework for Agentic AI

Governance framework for agentic AI that outlines how to assess and bound risks, assign meaningful human accountability, implement technical controls, and support responsible end-user deployment. I...

Topics: payments, regulation, ai, genai

Model AI Governance Framework for Agentic AI (May 2026)

Brief on MODEL AI GOVERNANCE FRAMEWORK FOR AGENTIC AI (Updated 5 June 2026).

Topics: payments, regulation, ai, genai

Notion - The Future of Product Development Report

Notion and Censuswide survey on product development workflows, knowledge centralization, and AI usage gaps, with recommendations for engineering, product, and design teams.

Topics: ai, product

Sequoia Capital - 2026 This Is AGI (Jan 2026)

Sequoia Capital argues that recent model capabilities, falling costs, and rapid product iteration are moving AI toward broadly useful general intelligence, with major implications for software, lab...

Topics: ai, genai, technology, transformation

Standard Chartered - Scaling AI in Banking

Examines how a global bank can move AI from pilots to enterprise scale, focusing on operating model, governance, talent, and risk controls needed to embed AI across banking workflows.

Topics: ai, transformation, risk

WEF - The AI-First Operating System: A Blueprint for Operating and Business Model Innovation (Jun 2026)

White paper on The AI-First Operating System: A Blueprint for Operating and Business.

Topics: regulation, ai

Artificial Intelligence in Asias Financial Sector - OECD WP50

OECD WP50 examines how AI is reshaping financial services across Asia, highlighting gains in efficiency, inclusion, and supervision alongside risks around governance, bias, privacy, and operational...

Topics: ai, policy, risk, financial services

OECD - Due Diligence Guidance for Responsible AI

OECD guidance outlines a risk-based due diligence framework for developing, deploying, and governing AI responsibly across the value chain. It emphasizes identifying harms, assigning accountability...

Topics: ai, risk, policy, compliance

Agentic Finance and Stablecoins: Everything to Know About the New Stack for Autonomous Finance

Explores how agentic finance combines AI-driven autonomous agents with stablecoins to create a new transaction stack for automated financial activity. It outlines the enabling infrastructure, use c...

Topics: agentic ai, stablecoins, ai, financial services

Chief Data Officer's Guide to Digital Transformation

Guide for CDOs on data centralization, infrastructure modernization, data democratization, and building data-driven solutions.

Topics: data, transformation

Data Governance Fundamentals - Dec 2025

Deck on building trusted, secure, and usable data foundations to power decisions and AI programs for business, data, and IT leaders.

Topics: data governance, ai

IFZ - Future of Technology in Finance - IT Architecture Roadmap

Analyzes how financial institutions can modernize IT architecture to support future finance capabilities, highlighting roadmap choices around legacy transformation, scalability, and technology adop...

Topics: transformation, technology, strategy

IMD - Winning with AI (2025)

Analyzes how organizations can create value from AI by aligning strategy, operating models, and talent with practical deployment. Emphasizes execution discipline, leadership choices, and transforma...

Topics: ai, transformation, strategy, workforce

Jiacheng Liu; Xiaohan Zhao; Xinyi Shang; Zhiqiang Shen - Dive into Claude Code: The Design Space of Today's and Future AI Agent Systems (Apr 2026)

Analyzes Claude Code as a case study for AI agent system design, mapping current capabilities, architectural choices, and likely future directions. Highlights trade-offs in autonomy, tooling, coord...

Topics: ai, agentic ai, technology, transformation

MIT NANDA - The GenAI Divide: State of AI in Business 2025

Project NANDA research on enterprise GenAI adoption in 2025, highlighting the ROI divide between successful deployments and stalled pilots, with guidance for builders and buyers to scale value.

Topics: ai, genai, adoption

McKinsey - Agents, Robots, and Us: Skill Partnerships in the Age of AI

McKinsey take on how humans, digital agents, and automation can partner, with the skill shifts, reskilling paths, and org design needed to stay essential as AI rolls out.

Topics: ai, workforce

State of AI in Finance - Trust Gap Study (Tipalti 2025)

Study of AI use in finance highlighting a trust gap between growing adoption and concerns about accuracy, security, and governance. It argues that realizing value depends on stronger controls, clea...

Topics: ai, risk, adoption, financial services

Stay Agile with a Container-First Strategy

Argues that a container-first technology strategy improves agility, scalability, and operational resilience in digital transformation programs. Emphasizes faster deployment, portability across envi...

Topics: technology, transformation, operations

The AI Divide in Banking Will Impact Banks - Credit Ratings

AI adoption is likely to widen performance gaps among banks, influencing operating efficiency, competitiveness, and ultimately credit profiles. Institutions that scale AI effectively may strengthen...

Topics: ai, risk, transformation, financial services

The Data Leaders Guide to Digital Transformation

A practical guide for data leaders on using data strategy, governance, and organizational alignment to drive digital transformation. It emphasizes turning data capabilities into measurable business...

Topics: transformation, data, data governance, strategy

What 4372 AI Use Cases Reveal - Public Sector AI

Analysis of 4,372 public sector AI use cases identifies where governments are deploying AI, the functions seeing the most traction, and the operational patterns shaping adoption. It highlights prac...

Topics: ai, adoption, transformation

Yanosy - Universal Meta Prompts for Governing AI Reasoning

Framework and prompt templates for governing AI reasoning within knowledge frameworks to improve consistency and oversight.

Topics: ai, prompting

WEF - Rethinking AI Sovereignty: Pathways to Competitiveness through Strategic Investments

World Economic Forum white paper (with Bain & Company) on AI sovereignty, investment patterns, and policy strategies to build national competitiveness.

Topics: ai, policy

ADCX Lab - Connecting Banking Systems with Blockchain: Comprehensive Challenges and Solutions

ADCX Lab research report on connecting traditional banking systems with blockchain, examining interoperability challenges and solutions across ISO 20022 standards, compliance, and digital asset inf...

Topics: compliance, risk, standards, policy

The role of ISO 20022

Analyzes ISO 20022 as a common financial messaging standard, focusing on how richer, structured data can improve interoperability, compliance, and payment processing across institutions and markets.

Topics: iso20022, standards, interoperability, payments

Adeel Mirza - Managing Financial Crime Risks in the Digital Age: Guidelines for FinTechs

Practitioner guide by financial crime specialist Adeel Mirza on managing money laundering, terrorism financing, and proliferation financing risks in FinTech, covering the vulnerabilities introduced...

Topics: risk, compliance, financial crime

ISO 20022 Migration Lessons Learned - First White Paper

White paper distilling practical lessons from early ISO 20022 migration efforts, focusing on implementation challenges, governance, and operational readiness. It highlights standards adoption consi...

Topics: iso20022, standards, compliance

Machine-readable Pillar 3 Disclosure - Basel Committee Dec 2025

Basel Committee guidance on machine-readable Pillar 3 disclosures likely advances standardized, structured prudential reporting to improve comparability, usability, and supervisory analysis of bank...

Topics: compliance, risk, reporting, standards

BIS Papers 166 - From Cash to Crypto - Regulatory Approach to Illicit Payments (Mar 2026)

Analyzes how illicit payments have shifted from cash-based methods to crypto-enabled channels, and compares regulatory tools for detecting, deterring, and supervising these risks. Emphasizes policy...

Topics: bis, compliance, financial crime, crypto

Belgium Parliament - Supervision of Financial Messaging Service Providers - Doc 56 0610-005

First-reading commission report and adopted articles for the Belgian law introducing supervision of financial messaging service providers (Doc 56 0610-005, Mar 2025).

Topics: regulation, payments, belgium

Belgium Parliament - Supervision of Financial Messaging Service Providers - Doc 56 0610-010

Final plenary text (Apr 2025) of Belgium's law establishing oversight for financial messaging service providers, submitted for royal assent.

Topics: regulation, payments, belgium

PBOC - Notice on Virtual Currencies (2026)

Notice from the People's Bank of China outlines restrictions and supervisory expectations for virtual currency activities, emphasizing financial stability, consumer protection, and enforcement agai...

Topics: crypto, regulation, compliance, risk

ESMA - 13 May 2026 ESMA50 -481369926 -33801 ESMA TRV Risk Analysis Financial Innovation

ESMA risk analysis examines quantum computing in financial markets, focusing on current applications, investment activity and future prospects. It frames the topic through a market risk and innovat...

Topics: payments, crypto, regulation, settlement

ESMA - Data Strategy 2023-2028 (2025 Update)

ESMA update outlining data governance priorities, implementation milestones, and capabilities needed through 2028.

Topics: regulation, data

MFSA - Decentralised Finance (DeFi) Discussion Paper: Strengthening Malta's Position as a Jurisdiction for Next Generation Financial Services (Jun 2026)

MFSA's discussion paper examines how Malta can position itself for next generation financial services through DeFi, focusing on MiCA implications, financial crime risks, software-based organisation...

Topics: payments, crypto, regulation, settlement

ESMA - Guides & Resources - EU T+1 INDUSTRY COMMITTEE (Oct 2027)

Guide on Guides & Resources - EU T+1 INDUSTRY COMMITTEE.

Topics: payments, regulation, t+1, settlement

Directive (EU) 2015-2366 PSD2

EU PSD2 sets the legal framework for payment services in the EU, aiming to increase competition, strengthen consumer protection, and improve security in electronic payments through rules on access,...

Topics: regulation, payments, eu, compliance

Proposal PSD3 Annexes COM(2023)366

Proposal annexes to PSD3 set out detailed supervisory, authorization, and operational requirements for payment service providers in the EU. The material supports implementation of updated rules on ...

Topics: regulation, compliance, payments, eu

Proposal PSD3 - Payment Services and E-Money Directive COM(2023)366

European Commission proposal COM(2023)366 updates the EU framework for payment services and e-money, aiming to strengthen consumer protection, fraud prevention, open banking access, and prudential ...

Topics: regulation, compliance, payments, eu

Regulation (EU) 2022-2554 DORA

EU Regulation 2022-2554, DORA, establishes a harmonized framework for digital operational resilience in financial services, covering ICT risk management, incident reporting, testing, and oversight ...

Topics: regulation, risk, compliance, eu

Regulation (EU) 2022-858 DLT Pilot Reg

EU Regulation 2022-858 creates a pilot regime for market infrastructures using distributed ledger technology, allowing temporary regulatory exemptions to test trading and settlement of tokenised fi...

Topics: regulation, eu, dlt, securities

Regulation (EU) 2023-1113 - Funds and Crypto-Asset Transfers (TFR)

EU Regulation 2023/1113 extends transfer of funds rules to crypto-asset transfers, imposing traceability, information-sharing, and due diligence requirements on payment service providers and crypto...

Topics: regulation, compliance, crypto, eu

Regulation (EU) 2023-1114 MiCA

EU Regulation 2023/1114, MiCA establishes a harmonized framework for crypto-asset issuance, service providers, consumer protection, and market integrity across the EU. It clarifies authorization, d...

Topics: regulation, crypto, eu, compliance

Elliptic - Global Crypto Regulation Review 2025

Reviews the global crypto regulatory landscape in 2025, comparing how major jurisdictions are tightening rules on licensing, AML, stablecoins, and market oversight. Highlights growing convergence i...

Topics: crypto, regulation, compliance, aml

FINMA - Guidance 01-2026: Custody of Crypto-based Assets

FINMA guidance on custody arrangements, segregation, risk management, and supervision expectations for crypto-asset custodians.

Topics: regulation, crypto

FSB - Global Regulatory Framework for Crypto-Asset Activities - Umbrella Note

FSB's umbrella note outlines a global regulatory framework for crypto-asset activities, aiming to align oversight across jurisdictions and address financial stability, risk, and cross-border superv...

Topics: crypto, regulation, risk, financial stability

Global Regulatory Framework for Cryptoassets

FSB outlines a global regulatory framework for cryptoassets, emphasizing consistent oversight, cross-border coordination, and safeguards to address financial stability and market integrity risks. I...

Topics: crypto, regulation, risk, financial stability

FSOC - Annual Report 2025

FSOC's 2025 annual report reviews vulnerabilities across the U.S. financial system, highlighting risks from nonbank finance, cyber incidents, AI, digital assets, and climate-related exposures, whil...

Topics: risk, regulation, us, financial stability

FinCEN - CVC Guidance FIN-2019-G001 (May 2019)

FinCEN's 2019 guidance clarifies how Bank Secrecy Act rules apply to convertible virtual currency activities, distinguishing users from money transmitters and outlining when exchangers, administrat...

Topics: compliance, crypto, aml, us regulation

GLEIF - vLEI Hackathon 2025

Promo deck for GLEIF's 2025 vLEI hackathon positioning verifiable LEIs as a foundation for digital trust and organizational identity.

Topics: digital identity, vlei

SFC - Guidelines for Virtual Asset Trading Platform Operators (Jun 2023)

Hong Kong SFC guidelines set licensing, custody, governance, disclosure, and investor protection requirements for virtual asset trading platform operators. The framework clarifies compliance expect...

Topics: compliance, risk, crypto, regulation

OCC Comptroller Gould - Remarks at Blockchain Association (Dec 2025)

Remarks by the OCC Comptroller to the Blockchain Association likely outline the agency's supervisory stance on blockchain and digital assets, emphasizing risk management, compliance expectations, a...

Topics: regulation, compliance, risk, digital assets

OCC Interpretive Letter 1188 - Riskless Principal Crypto Transactions

OCC confirms national banks may intermediate crypto trades as riskless principal, subject to existing securities/derivatives rules plus risk management and compliance expectations.

Topics: us regulation, crypto

PSD3 Cheat Sheet

Concise reference to PSD3, outlining the proposed EU payment services changes, likely focusing on compliance impacts, fraud controls, open banking updates, and operational implications for payment ...

Topics: regulation, compliance, payments, eu

2025 LATAM Crypto Regulation Report

Analyzes the 2025 regulatory landscape for crypto across Latin America, highlighting jurisdictional differences, compliance expectations, and implications for market development and risk management.

Topics: crypto, regulation, latin america, compliance

Acceleron & Payment Labs - Leveraging ISO 20022's Full Potential

Explains how ISO 20022 data can drive automation, compliance, and new revenue opportunities in payment operations.

Topics: iso20022, payments

Chartis & Regnology - Regulatory Reporting in 2025: A New Era of Standardization

Assessment of the 2025 regulatory reporting landscape, standardization trends, and RegTech tooling for compliance teams.

Topics: regtech, reporting

Crypto Kleptocracy

Analyzes how crypto markets can enable corruption, sanctions evasion, and illicit finance, arguing that weak oversight and opaque structures create governance and financial crime risks that demand ...

Topics: crypto, risk, compliance, financial crime

FFEdu - TBML Enters the Stablecoin Settlement Layer Era

Observation brief on trade-based money laundering risks emerging in stablecoin settlement layers, with typologies and control considerations.

Topics: aml, stablecoins

GFT & WYNXX - Going Beyond Payments Compliance (ISO 20022)

ISO 20022 adoption playbook for paytechs and banks, covering compliance needs, data requirements, and implementation guidance.

Topics: iso20022, compliance

JUNE 2026 · A JOINT REPORT Digital Assets A strategic playbook for banks (Jun 2026)

Policy clarity, maturing infrastructure, and institutional adoption are pushing digital assets from experimentation to scale. The report outlines where banks should participate, partner, integrate,...

Topics: stablecoins, tokenization, crypto, regulation

Compliance, Risk And Standards Outcome Report

Outcome-style report in a compliance, risk, and standards context, likely documenting findings, decisions, or supervisory results relevant to control frameworks and adherence obligations. The exact...

Topics: compliance, risk, standards

Programmable Compliance for Digital Money & Assets

Analyzes how programmable compliance can embed regulatory controls into digital money and asset transactions, aiming to improve automation, transparency, and risk management across emerging digital...

Topics: compliance, risk, digital assets, standards

PwC - Global Crypto Regulation Report 2026 (Jan 2026)

PwC surveys the global crypto regulatory landscape in early 2026, comparing how major jurisdictions are approaching licensing, market conduct, and prudential oversight. It highlights growing conver...

Topics: crypto, regulation, compliance, risk

SFFIPP - Fraud Related to Virtual IBAN

Newsletter highlighting rising misuse of virtual IBANs and recommending due diligence, monitoring controls, and risk indicators for issuers and intermediaries.

Topics: financial crime, payments

After coexistence - whats next for ISO 20022 in 2026

Examines the post-coexistence phase of ISO 20022 in 2026, focusing on how institutions move from basic migration to realizing value through richer data, standardization, and operational readiness. ...

Topics: iso20022, standards, payments, compliance

Hybrid Postal Address - Grace Period Guide for Banks - Dec 2025

Operational guidance for banks on handling hybrid postal address formats during the Nov 2025–Nov 2026 transition period.

Topics: iso20022, operations

SWIFT - CBPR+ Structured Postal Address Guide (2026)

Guide to the CBPR+ structured postal address format for SWIFT messages, outlining required fields, formatting rules, and usage constraints to support consistent cross-border payment data quality an...

Topics: standards, payments, cross-border, compliance

SWIFT - ISO 20022 for Dummies 6th Edition Dec 2022

Plain-language primer on ISO 20022, explaining the standard, migration timelines, and message use cases.

Topics: iso20022, primer

MAS - Guidelines for Artificial Intelligence Risk Management (Dec 2025)

Singapore's MAS sets expectations for managing AI-related risks in financial institutions, emphasizing governance, accountability, testing, monitoring, and third-party oversight. The guidance frame...

Topics: ai, risk, compliance, regulation

MAS - Guidelines on Licensing for Payment Service Providers (PSG01, Oct 2025)

Singapore MAS guidelines set out licensing expectations for payment service providers, including application requirements, scope of regulated activities, and supervisory considerations. The documen...

Topics: regulation, payments, compliance, risk

Payment Services Act 2019 (consolidated Mar 2025)

Consolidated March 2025 text of Singapore's Payment Services Act 2019, setting the licensing, conduct, AML and supervisory framework for payment service providers and digital payment token activiti...

Topics: regulation, compliance, payments, aml

VARA - Virtual Assets and Related Activities Regulations 2023

Overview of Dubai VARA's 2023 regulatory framework for virtual assets and related activities, outlining licensing, conduct, prudential, and market integrity requirements for firms operating in the ...

Topics: regulation, compliance, crypto, digital assets

FCA - Cryptoassets Consumer Research 2025 (Wave 6)

FCA-commissioned survey tracking UK consumer awareness, ownership, and attitudes toward cryptoassets, including information sources, marketing influence, and risk understanding trends.

Topics: crypto, consumer, uk

Financial Services and Markets Act 2023 (UKPGA 2023 c29)

UK Financial Services and Markets Act 2023 updates the UK's post-Brexit financial regulatory framework, expanding rulemaking powers, reforming oversight, and creating pathways for digital asset and...

Topics: regulation, uk, compliance, policy

Lexology - Panoramic Cryptoassets and Blockchain (UK)

Overview of the UK legal and regulatory framework for cryptoassets and blockchain, covering licensing, compliance obligations, market conduct, and enforcement. It highlights how evolving UK rules s...

Topics: crypto, uk, regulation, compliance

Call for Input The future of tokenisation A joint vision from the authorities for (May 2026)

Joint FCA and Bank of England call for input on the future of tokenisation in UK wholesale financial markets, inviting feedback on the authorities' shared vision and policy approach.

Topics: tokenization, regulation, risk, compliance

CRS - Federal Reserve: Policy Issues in the 119th Congress (Jan 2026)

CRS overview of Federal Reserve responsibilities and policy issues for the 119th Congress, covering monetary policy, supervision, payment systems oversight, lender-of-last-resort, and governance to...

Topics: federal reserve, monetary policy, us policy

Consultation document - Targeted consultation on the review of Regulation on the Markets in Crypto-Assets (MiCA) (Aug 2026)

European Commission targeted consultation on the review of MiCA, inviting stakeholder input by 31 August 2026 to inform any future proposal. The first page frames the process, scope and submission ...

Topics: payments, tokenization, crypto, regulation

Executive View: Stablecoins and the tokenization of money - What banking leaders need to know (Jun 2026)

KPMG explains how stablecoins and tokenized bank deposits differ in issuance, legal structure and infrastructure, and why those differences matter for banks' payments, liquidity, treasury operation...

Topics: payments, stablecoins, tokenization, interoperability

Latham & Watkins - 10 Key Focus Areas for US Bank Regulators in 2026

Legal and regulatory outlook on 2026 U.S. bank supervision priorities, including stress testing, charters, AML, and digital asset oversight.

Topics: regulation, us

NIST IR 8408 - Understanding Stablecoin Technology and Related Security Considerations

NIST IR 8408 explains stablecoin architectures, operational models, and key security risks, including custody, smart contracts, governance, and reserve management. It frames stablecoins as a techni...

Topics: stablecoins, security, risk, us

The Fed - Payment Stablecoins and Cross Border Payments: Benefits and Implications for Monetary Policy Implementation (Jul 2025)

Analyzes how payment stablecoins could improve cross-border payments while altering bank deposits, reserves, and transmission channels relevant to Federal Reserve monetary policy implementation. As...

Topics: stablecoins, cross-border, monetary policy, us

Data First vs Integration First: Why Digital Government Integration Fails Without Data Governance

Analyzes why integration-first digital government initiatives underdeliver, using Kyrgyzstan and Central Asia as a case study, and argues that a mature data governance framework covering data inven...

Topics: compliance, risk, us, standards

Swift CBPR+: Your Guide to Hybrid and Structured Postal Addresses (Nov 2026)

Brief on A critical aspect of this change is the shift from unstructured to structured postal addresses..

Topics: payments, regulation, iso20022, ai

AI Agents Under EU Law: A Compliance Architecture for AI Providers (Jan 2026)

Maps how EU law applies to AI agents, combining the EU AI Act with GDPR, the Cyber Resilience Act, NIS2 and other regimes. Proposes a 12-step compliance architecture and argues that high-risk agent...

Topics: regulation, policy, ai, data

AI Privacy Risks & Mitigations - Large Language Models (LLMs) (Feb 2025)

Expert report for the EDPB Support Pool of Experts on privacy risks and mitigation measures in large language models, submitted in February 2025 and updated in March 2025. It frames LLM privacy iss...

Topics: regulation, ai, market research, benchmark

Agents of Chaos (Feb 2026)

Analyzes how AI agents could amplify operational, conduct, and systemic risks in U.S. financial services, while also creating new compliance and governance challenges. Emphasizes the need for contr...

Topics: agentic ai, risk, compliance, us

Mutual Evaluation of Italy - Anti-money Laundering and Countering the Financing of Terrorism and Proliferation Financing Measures (Apr 2026)

Mutual evaluation of Italy's AML, CFT, and proliferation financing framework assesses technical compliance and effectiveness, highlighting strengths, gaps, and priority actions for supervision, enf...

Topics: compliance, risk, aml, financial crime

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