PAYMENTS
PSD2, PSD3, CMA9, FDX — open banking APIs, payment initiation, and the data-portability fabric.
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
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.
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.
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.
PAYMENTS & MONEY
Kuɗin kamfanoni na ƙetare iyaka a 2026 matsalar injiniyanci ce ta layi da yawa. ISO 20022 shi ne harshen gama gari, A2A da open finance a ƙarƙashin PSD3/FiDA su ne hanyar fuskantar abokin ciniki, tokenised deposits suna ɗaukar layin tsabtacewa na babba, kuma SWIFT yana ci gaba da goyon bayan dogon wutsiya. Aikin mai ban sha'awa yana cikin laushin orchestration, ba a cikin samfurin ba.
APPLIED AI
UK Payments Forward Plan da fakitin manufofin Afrilu 2026 sun shimfiɗa tsari ɗaya ga biyan kuɗi na al'ada, stablecoins, adibassu da aka mai da su tokens, open banking, da biyan kuɗi ta wakili. Tambayar dabarun ga bankuna ita ce horon zane: wace data, hanyoyi, sarrafawa, alhakai, da hanyoyin aikin abokin ciniki suka dace tare — kuma yadda za a tabbatar wa masu tsari.
