finance
What Is ISO 20022? The Payments Standard Quietly Reshaping Global Banking
ISO 20022 is the payments rails replacement that few outside operations discuss. The standard, the cutover, and what enterprises must do now.
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finance
The Stablecoin Endgame: Why Banks Are Quietly Building What They Said Was a Threat
Banks called stablecoins reckless for five years. JPM Coin, Citi Token Services, Project Agora: incumbents quietly built the rails themselves.
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Risk & Regulation
Fintech Regulation Is About to Get Serious: What the EU's DORA Means for Everyone
The EU's DORA regulation is the most significant fintech regulatory shift since PSD2. Most companies aren't ready. Here's what it means and what to do about it.
ai
Regulatory Risk in AI Deployment: What Leaders Underestimate
In 2023, the CFPB sent a clear message to every financial institution using AI for credit decisions: your algorithm is not above the law. Circular 2022-03
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Risk & Regulation
PCI DSS Compliance Explained: What Every Product Team Needs to Know
In December 2013, attackers installed malware on Target's point-of-sale systems and stole 40 million credit card numbers over 19 days. The breach cost Target
Risk & Regulation
RegTech Explained: How Technology Is Automating Financial Compliance
Compliance Is Eating Financial Services The global financial services industry spends over $270 billion annually on compliance. That figure, from LexisNexis Risk Solutions and corroborated by
Risk & Regulation
KYC and Identity Verification: The Technology Behind Know Your Customer
Every Financial Relationship Starts With a Question: Who Are You? Before a bank opens your account, before a fintech issues your card, before a payment processor
Risk & Regulation
Anti-Money Laundering for Executives: What You Actually Need to Know
The Most Expensive Compliance Problem in Financial Services Anti-money laundering compliance is, by a wide margin, the largest regulatory cost burden in global financial services. LexisNexis
Risk & Regulation
How Fintech Startups Get Licensed: A Country-by-Country Guide
Getting a fintech license is one of the most consequential decisions a founder can make. Whether you're building a payments product, a neobank, or
Risk & Regulation
Regulation in Fintech - Use case : Rise of fraudulent lending apps in INDIA
Regulations are essential for fundamental institutions in society, such as banking. Each country's government must walk a fine line between too much regulation ( too
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Risk & Regulation
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