PAYMENTS & MONEY
The Wallet Ships in December. Banks Must Accept It a Year Later.
For a decade banks have owned the login. eIDAS 2 turns identity into something the customer carries and the bank is obliged to accept on request.
CATEGORY
Payments & money
Rails, settlement, tokenisation, treasury programmability, and the economics of moving money.
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Recent articles in Payments & money
PAYMENTS & MONEY
PSD2 Made Banks Build an API. FiDA Makes Them Join a Market.
Under PSD2 a bank could comply alone: build the endpoint, publish the spec, done. FiDA has no unilateral path. Compliance runs through a scheme, and the scheme is being designed right now.
PAYMENTS & MONEY
Verification of Payee in Production: Nine Months of Close Matches, Bulk Files, and Unpriced Liability
Payee verification stopped being a competitive feature the day it became a legal obligation. What remains is an operations problem: a five-second budget, an ambiguous middle answer, and corporate files that must be taken apart before they can be checked.
APPLIED AI
The 2026 Global Payments Outlook: Operating Model, Risk, and Revenue in an Agentic, Invisible, Real-Time World
Payments are now the core of bank technology strategy. This is the operating model, risk frontier and revenue playbook G-SIBs need to lead the agentic, real-time cycle.
PAYMENTS & MONEY
From Messages to Map: Building a Global Corporate Standard on ISO 20022 and Swift
The industry finally has a global language for payments. It still does not have a global map for corporates to act on it. ISO 20022 and Swift's CBPR+ harmonised what a payment must say, not how a corporate uses it — the missing interface and behaviour layers, and how banks can build a global corporate standard on the rails they already have.
APPLIED AI
From Fragmentation to Fault Line: Corporate Banking's Missing API Standard in the Agentic Era
Retail banking got its API standard a decade ago. Corporate banking never did — and now that AI agents and the Model Context Protocol have turned integration into a runtime decision, the gap has stopped being a nuisance and become a fault line. A concrete failure mode, the strategic choice it forces, and what a corporate banking API standard has to mandate.
APPLIED AI
Reading the Emerging-Technology Risk Horizon for Banks in 2026
Regulators have started scanning the horizon out loud. Reading the 2026 emerging-technology landscape for banks across three converging vectors — personalised AI intelligence, synthetic financial crime, and programmable finance — and a framework for turning weak signals into supervisory action before harm scales.
PAYMENTS & MONEY
Open Source, FINOS and the Cloud-Native CIB Stack
Morgan Stanley, JPMorgan and Citi are doubling down on FINOS and the Linux Foundation. A Rust-and-zero-dependency stack — noyalib, http-handle, hsh, KyberLib — shows what the cloud-native CIB stack looks like in 2026 under PSD3, FiDA and DORA.
APPLIED AI
Agentic Treasury 2026: From Autonomous Treasury Index to Production-Grade Co-Pilots
Agentic treasury co-pilots are moving from controlled pilots into production in 2026. The pattern is consistent across CIB treasuries: agents read ISO 20022 cash data, call bounded tools, and rebalance liquidity inside policy bands — with SR 11-7, DORA, and EU AI Act controls wrapped around them.
PAYMENTS & MONEY
The Post-Quantum Banking Resilience Index in 2026: EO 14409, Global Deadlines, and Fiduciary Cryptographic Agility
Executive Order 14409, ANSSI's hard 2030 deadline and DORA Article 5 have moved post-quantum cryptography from a long-range technical goal to an active regulatory mandate. This index converts securing registries, high-frequency ledgers and SWIFT channels into a board-ready 0–5 scorecard that aligns ML-KEM, ML-DSA and SLH-DSA primitives with fiduciary liability and balance-sheet risk.
PAYMENTS & MONEY
Always-On CIB: Cyber Recovery, Fallback Rails and Quantum-Safe Treasury
Corporate and investment banks now treat cyber recovery, ISO 20022 fallback rails across RTGS, instant and tokenised networks, and quantum-safe treasury controls as one always-on operating model — the board-grade response to DORA Articles 5 and 6, FHE, QKD and PQC primitives, and ICT third-party concentration risk.
PAYMENTS & MONEY
The 2026 Global Payments Outlook: Operating Model, Risk, and Revenue in an Agentic, Invisible, Real-Time World
The 2026 global payments cycle is defined by three converging forces — agentic commerce, invisible embedded payments, and real-time execution — sitting on top of a tokenised unified ledger under Project Agorá and a hard November 2026 SWIFT structured-address cut-over. This piece synthesises the J.P. Morgan, Global Payments, HSBC and Payments Association 2026 outlooks into a four-pillar G-SIB operating model.