payments Resources & Insights
Curated resources and insights on payments across payments, fintech infrastructure, standards, regulation, and operational controls.
Research Library (224)
- Model AI Governance Framework for Agentic AI — Governance framework for agentic AI that outlines how to assess and bound risks, assign meaningful human accountabili...
- Model AI Governance Framework for Agentic AI (May 2026) — Brief on MODEL AI GOVERNANCE FRAMEWORK FOR AGENTIC AI (Updated 5 June 2026).
- The role of ISO 20022 — Analyzes ISO 20022 as a common financial messaging standard, focusing on how richer, structured data can improve inte...
- Supervision of Financial Messaging Service Providers - First Reading Report — First-reading commission report and adopted articles for the Belgian law introducing supervision of financial messagi...
- 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, subm...
- 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 acti...
- Statement on T+1 Preparations — ESMA urges EU market participants to accelerate preparations for the move to T+1 settlement on 11 October 2027, highl...
- 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, f...
- EU T+1 Industry Committee - Guides & Resources — Guide on Guides & Resources - EU T+1 INDUSTRY COMMITTEE.
- Looking Back to Navigate Forward: What the EU Supervisors' 2025 Annual Reports Reveal for 2026 — EU supervisors' 2025 annual reports show a shift from rulemaking to operational supervision, with stronger focus on d...
- Global payment matters - July 2026 (Jul 2026) — Quarterly legal update on global payments developments, highlighting digital assets in derivatives, DLT in repo marke...
- Directive (EU) 2015-2366 PSD2 — EU PSD2 sets the legal framework for payment services in the EU, aiming to increase competition, strengthen consumer ...
- Proposal PSD3 Annexes COM(2023)366 — Proposal annexes to PSD3 set out detailed supervisory, authorization, and operational requirements for payment servic...
- 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 streng...
- PSD3 Cheat Sheet — Concise reference to PSD3, outlining the proposed EU payment services changes, likely focusing on compliance impacts,...
- Leveraging ISO 20022's Full Potential — Explains how ISO 20022 data can drive automation, compliance, and new revenue opportunities in payment operations.
- SFFIPP - Fraud Related to Virtual IBAN — Newsletter highlighting rising misuse of virtual IBANs and recommending due diligence, monitoring controls, and risk ...
- 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 r...
- SWIFT - CBPR+ Structured Postal Address Guide (2026) — Guide to the CBPR+ structured postal address format for SWIFT messages, outlining required fields, formatting rules, ...
- MAS - Guidelines on Licensing for Payment Service Providers (PSG01, Oct 2025) — Singapore MAS guidelines set out licensing expectations for payment service providers, including application requirem...
Posts & Insights (60)
- BIC Plus vs BIC Directory: What Changed Under SWIFTRef? — BIC Plus is a legacy SWIFTRef product name, while BIC Directory is the current BIC-focused directory. Learn what the ...
- Bank Directory Plus Explained: Identifiers, BIC Links, and the Replacement Path — Bank Directory Plus is a legacy SWIFTRef product that connected national identifiers, institutions, and BICs. Learn w...
- ISO 20022 Structured vs Hybrid Addresses: A Practical CBPR+ Guide — An ISO 20022 structured postal address stores each part of an address in its own dedicated PstlAdr element. A hybrid ...
- Settlement Endpoint Control Tower: A Wallet Address Is Not a Settlement Instruction — The Settlement Endpoint Control Tower is now live as a public reference demo. It pre-validates identity-bound settlem...
- pacs.crypto Control Room: Watching an ISO 20022 Crypto Payment End to End — A work-in-progress look at the pacs.crypto Control Room: a bank-to-VASP walkthrough that follows one crypto payment f...
- Structured Addresses and the ISO 20022 Address Parser: Getting Ready for CBPR+ 2026 — From November 2026, CBPR+ starts retiring fully unstructured postal addresses in cross-border payments. Here is a tec...
- Agentic Payments Onchain: Notes from Ripple and tS4 Panel in Singapore — Last night I sat in on Agentic Payments Onchain, a panel hosted by Ripple and tS4. The conversation went straight to ...
- vLEI Auth Platform Update: The 'Valid' Screen Now Has KERIA-Backed Evidence — A few days ago, the part I was not proud of was the verdict itself. For the staged credential flow, the 'valid' scree...
- BankValidate: Deterministic, Explainable Checks for Bank Identity Evidence — Reference-data quality is invisible until a single bad row stops a payment or holds up an onboarding. BankValidate is...
- Echelon Singapore 2026: Innovation Lives in the Messy Middle — A day at Echelon Singapore 2026 and a useful reminder: innovation rarely sits neatly inside one industry box. The str...