Innovation

A tokenised deposit is a bank's own money on a shared ledger. Here is how it differs from a stablecoin, who has one live, and why the two will coexist.

Take one card payment apart: interchange to the issuer, scheme fees to Visa or Mastercard, margin to the acquirer, and why the new rails are aimed at all three.

A Fresno BPO outfit says MD-level billers cut denial rates below 3%, as US practices carry growing regulatory staffing overhead.

Addepar chief revenue officer Peter O'Brien on $1.4 trillion of family office data: 48 per cent in alternatives, heirs already at the table and AI for advisers.

Aqua Global's Nick Fernando on decades-old bank payment systems, where tokenised deposits already do real work, and why visibility is the first thing to fix.

Commerce payments lead Michaela Weber on what Lululemon's in-store Klarna move signals, why shoppers stack payment methods, and what is hard at the till.

CUBE founder Ben Richmond argues that regulators and regulated firms now want the same real-time regulatory intelligence, making the two labels redundant.

Cyberette founder Julia Jakimenko on the deepfake fraudster who opened 46 ABN AMRO accounts, five ways to beat a face check, and why the EU AI Act stops none.

Exactly.com COO Mark Andreev argues that Klarna, Revolut and their peers have gone from fringe challengers to owning the customer relationship.

First Digital chief executive Vincent Chok on bank-issued stablecoins, what Hong Kong's payment rails still need, and how he will judge the next twelve months.

G2A.COM chief growth officer Paweł Wróbel on the AI support assistant that resolved 14,400 seller cases in 63 days, and why a wrong answer is worse than none.

Futures trader Amir Naser Hojati argues that when an AI agent analyses, recommends and executes in one step, firms must decide in advance who owns the trade.

IGEN president Ryan Padget on the financial services firm that lost a $2.5 million refund when one tax analyst left, and why tax belongs on the risk register.

KPC Private Funds chief executive Dean Rubino on why onboarding for alternatives stayed manual, what PRISM 2.0 standardises, and what the industry must fix.

Redmill Advance founder David Tait on the skills advice firms now ask for, how empathy and judgement can be assessed, and why trust does not pass with assets.

Sokin chief financial officer Tom Steer on why a private company disclosed its numbers, what an AI agent needs from regulated rails, and the risks to $120m.

Trust Payments chief executive Laurence Booth on a 72-hour terminal rollout, reconciling casino and restaurant payments, and where AI takes payments next.

Two market data specialists are offering banks and trading firms an incremental escape route from ageing, vendor-locked data infrastructure.

Checkout.com's US processing volume is on track to exceed $100bn this year, as the firm launches direct acquiring and issuing capabilities.

Experian's new AI decisioning engine blends real-time cash flow and credit data, widening access for borrowers missed by traditional underwriting.