JERIN LABARAI
POLICY & RESILIENCE
Shekaru biyu masu kula suna karanta shirye-shiryen ficewa da suke zaton ficewar da babu wanda ya ƙididdige kuɗinta, ya tanadar mata kasafi, ko ya yi atisayenta. A Janairu, hujjar da ta fi dorewa ba za ta ƙara samuwa ba.
POLICY & RESILIENCE
Cibiyoyin kuɗi sun koyi amsa tambayar NIS2 da jimla ɗaya game da DORA. Jimlar daidai ce — kuma yanzu za a yi amfani da ita kan wata ka'ida da ba a taɓa rubuta ta domin ita ba.
APPLIED AI
Sauƙin da aka samu a fayil ɗin high-risk ya zo kwana tara da suka wuce. Haɗarin yanzu shi ne bankuna su karanta jinkiri guda ɗaya su wargaza shirin da wani wajibcinsa ke aiki tun yau.
PAYMENTS & MONEY
Shekaru goma ke nan bankuna ke mallakar login. eIDAS 2 ya mai da shaidar zama abin da abokin ciniki ke dauke da shi kuma banki ya zama wajibi ya karba idan aka nema.
PAYMENTS & MONEY
A ƙarƙashin PSD2 banki na iya bin ƙa'ida shi kaɗai: gina endpoint, buga ƙayyadaddun bayanai, an gama. FiDA ba shi da hanyar kai kaɗai. Bin ƙa'ida na bi ta scheme, kuma ana ƙera scheme ɗin a yanzu.
APPLIED AI
An sake rubuta koyarwar model risk ta shekara goma sha biyar a watan Afrilu, kuma sakin layi guda da zai fi muhimmanci ga kwamitin haɗari na 2026 shi ne wanda ya faɗi samfuran da guidance ba ta rufe ba.
INFRA & CRYPTOGRAPHY
Yawancin bankuna sun ƙididdige kuɗin gwajin. Kaɗan ne suka ƙididdige sarkar samarwa: testers masu accreditation a kan agogon shekara uku, da threat intelligence na waje.
INFRA & CRYPTOGRAPHY
Kowane roadmap na post-quantum yana ɗauka akwai inventory da babu. Asset register ya san server da mai shi; bai san algorithm, key length ko library ba.
PAYMENTS & MONEY
Tantance payee ya daina zama fasalin gasa ranar da ya zama wajibi na doka. Abin da ya rage aikin gudanarwa ne: kasafin daƙiƙa biyar, amsa ta tsakiya mai shubuha, da fayilolin kamfanoni da dole a wargaza su kafin a duba su.
APPLIED AI
Rashin canzawa ba daidai yake da amincewa ba. Yayin da biyan kuɗi nan take da AI mai yiwuwa ke sake fasalta banki, littafin da ba a tabbatar ba ya zama mafi rauni, kuma blockchain mai iya tantancewa ya zama kashin bayan bincike.
APPLIED AI
Biyan kuɗi yanzu shine ainihin dabarun fasaha na banki. Wannan shine tsarin aiki, iyakar haɗari da littafin dabarun kuɗin shiga da G-SIBs ke buƙata don jagorantar zagayen agentic, na lokaci-lokaci.
POLICY & RESILIENCE
WCAG gates a lokacin compile, SHA-384 SRI, CSP injection da LLM pipeline mai fifita gida sun bambanta wannan injin Rust, amma incremental builds, native minification da AVIF har yanzu buri ne kawai. Ga gaskiyar nazarin gibi da hanya zuwa 1.0.
PAYMENTS & MONEY
Masana'antar a ƙarshe tana da harshe na duniya na biyan kuɗi. Har yanzu ba ta da taswirar duniya da kamfanoni za su iya aiki da ita ba. ISO 20022 da CBPR+ na Swift sun daidaita abin da biyan kuɗi dole ne ya faɗa, ba yadda kamfani ke amfani da shi ba — sashin haɗin kai da sashin ɗabi'a da suke ɓace, da yadda bankuna za su gina ma'aunin kamfanoni na duniya a kan hanyoyin da suka riga suke da su.
APPLIED AI
Bankin dillanci ya sami ma'aunin API nasa shekaru goma da suka wuce. Bankin kamfanoni bai taɓa samu ba — kuma yanzu da agentocin AI da Model Context Protocol suka mai da haɗakarwa zama shawara ta lokacin gudanarwa, gibin ya daina zama abin damuwa kaɗai ya zama layin karyewa. Yanayin gazawa mai bayyanawa, zaɓin dabarun da yake tilastawa, da abin da ma'aunin API na bankin kamfanoni dole ne ya wajabta.
APPLIED AI
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.
INFRA & CRYPTOGRAPHY
Agentic AI is operational infrastructure in 2026. This index measures it the way banks measure capital and credit: a six-dimension readiness score across autonomy tiers, the control plane, regulatory evidence, unit economics, organisational readiness, and global regulatory alignment.
APPLIED AI
Agentic AI is operational infrastructure in 2026. This index measures it the way banks measure capital and credit: a six-dimension readiness score across autonomy tiers, the control plane, regulatory evidence, unit economics, organisational readiness, and global regulatory alignment.
INFRA & CRYPTOGRAPHY
Tun daga Yuni 2026, cryptography na post-quantum (PQC) ya wuce daga damuwar fasaha ta gwaji zuwa wajibcin fiduciary na farko. Hukumomi yanzu dole ne su sa ido kan ƙaurar tsari ta legacy encryption...
PAYMENTS & MONEY
Morgan Stanley, JPMorgan da Citi suna ƙara tsananta jajircewarsu akan FINOS da Linux Foundation. Tarin Rust mara dogaro — noyalib, http-handle, hsh, KyberLib — yana nuna yadda tarin CIB na cloud-native ya kasance a 2026 a ƙarƙashin PSD3, FiDA da DORA.
APPLIED AI
Agentic treasury co-pilots suna motsi daga gwaji da aka sarrafa zuwa cikin samarwa a 2026. Tsarin yana daidai a fadin treasury na CIB: wakilai suna karatun bayanan kuɗi na ISO 20022, suna kiran kayan aiki masu iyaka, kuma suna daidaita liquidity a cikin layukan manufofin — tare da sarrafa SR 11-7, DORA, da EU AI Act a kewayen su.
PAYMENTS & MONEY
Bankunan corporate da investment yanzu suna ɗaukar cyber recovery, ISO 20022 fallback rails a fadin RTGS, hanyoyin sauri da tokenised, da sarrafa treasury mai aminci ga quantum a matsayin samfuri ɗaya na aiki mai aiki koyaushe — amsa ce ta matakin hukumar ga DORA Articles 5 da 6, FHE, QKD da PQC primitives, da haɗarin tarawar ICT ɓangare na uku.
PAYMENTS & MONEY
Executive Order 14409, ƙayyadadden lokacin ANSSI na 2030 da Mataki na 5 na DORA sun mai da post-quantum cryptography daga buri na fasaha na nesa zuwa wajibcin tsari mai aiki. Wannan ma'aunin yana mayar da kāre rajistoci, ledgoji masu yawan ma'amala da hanyoyin SWIFT zuwa katin maki 0–5 da kwamitin gudanarwa zai iya bita wanda ke daidaita primitives na ML-KEM, ML-DSA da SLH-DSA da alhakin amana da haɗarin ma'aunin kuɗi.
PAYMENTS & MONEY
Zagayowar biyan kuɗi na duniya na 2026 yana bayyana ta hanyar runduna uku da ke haɗuwa — agentic commerce, biyan kuɗi marasa ganuwa da aka saka, da aiwatarwa na lokaci-real — suna a saman tokenised unified ledger a ƙarƙashin Project Agorá da cut-over mai tsanani na structured-address na SWIFT na Nuwamba 2026. Wannan rubutu yana haɗa hangen na J.P. Morgan, Global Payments, HSBC da Payments Association na 2026 zuwa tsarin aiki na G-SIB mai ginshiƙai huɗu.
INFRA & CRYPTOGRAPHY
BIS Quantum Dawn da taswirar PQC ta G7 na Janairu 2026 sun matsar da cryptography na post-quantum daga bincike zuwa ajandar hukumar. Wannan rubutun yana faɗaɗa KyberLib daga kayan aiki zuwa shirin sauyawa na kamfani na CIB — yana ɗaukar manyan layukan biyan kuɗi, kuɗin kasuwanci, custody, da kuma rahotanni waɗanda masu kula da harkokin ke nema yanzu.
Babu labarin da ya dace da tacewar yanzu.
