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Central bank digital currencies (CBDC) are often mentioned as a key motivation for the rise of a cashless society. As Sweden’s central bank, Riksbanken, discusses in its paper, The Riksbank’s e-krona ...
Media is buzzing about Web 3.0 and the metaverse. Companies and investors are scrambling to get in on the ground floor and participate in shaping this new iteration of the web. But I think it’s worth ...
Last month the Secretary of the U.S. Treasury admitted that she’s still on the fence about digital currency. Unlike the Bitcoin-loving president of El Salvador, Secretary Yellen thinks further study i...
Here’s a good question: Can digital currency (DC) thrive within the two-tier monetary system that banks use the world over? After all, the current system has stood the test of time and is used by, wel...
Mainstream, tech, and fintech media is bubbling with central bank digital currency (CBDC) chatter. The Bank for International Settlements (BIS) is performing excellent research on the topic. They’re ...
It was only one year ago that Token made history by becoming the first licensed Payment Initiation Service Provider (PISP) to conduct an end-to-end payment through a public bank API. The payment of £4...
Yesterday, Facebook announced Libra, a stablecoin to be used for payment in WhatsApp and Facebook Messenger. Libra is a stablecoin pegged to a basket of fiat currencies to minimize fluctuation of its ...
There’s still hell to pay in the back-end, says Marten Nelson, Co-founder, Token.io. True digitisation in payments means overhauling the core infrastructure as well as its connectivity layer. All the ...
January 2019 marked a year since open banking came into play in Europe. While 2018 saw a steep learning curve for all involved, the next year will start to show serious, market-defining transformation...
In the digital world banks can win by doing more of the same... What is a bank? A place to store money? Yes, but keeping cash under the mattress doesn’t make a bank of your bed. A lender? Sure. But to...
What can financial institutions around the world learn from Europe’s early attempts at digital banking freedom, and how can they accelerate the ROI? As the shift towards open banking gains speed, i...
Let’s work backwards. Most banks know that the final deadline to comply with PSD2’s Regulatory Technical Standard (RTS) is 14th September 2019. Eleven months away. Following the amendments to the RTS,...