Latest opinions that Stanley Epstein has shared on Finextra

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Stanley Epstein

Associate

Citadel Advantage Group

Member since

09 Oct 2006

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Modiin

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Stanley's opinions

Navigating the Next Era of Global Payments - A Strategic Analysis

Introduction: Competing Architectures in the New Payments Order The global payments industry stands at a decisive inflection point. For decades, the driving vision was clear — to build an interconnected world of seamless, borderless money movement. That vision is now being redefined. The pursuit of universal interoperability and efficiency has col...

29 October 2025 /payments Innovation in Financial Services

Navigating the Future of Payments: A Guide for Key Players

A New Era in Payments The global payments industry, a sector generating an astonishing $2.5 trillion in annual revenue (in 2024), is at a turning point. The long-standing pursuit of a single, universally efficient system is giving way to a new era defined by competition among diverse market systems, each with its own rules and technologies. This t...

28 October 2025 /payments Innovation in Financial Services

Risk Analysis: Central Bank Digital Currencies as a Mechanism for Authoritarian Control

A few days ago, I published an article, “Understanding Central Bank Digital Currencies (CBDCs): A Guide to the Core Concerns”. To continue on this theme, I am now publishing a more detailed risk analysis, which I hope will help in the understanding of these concerns. 1. Introduction: Defining the "Digital Prison" Central Bank Digital C...

24 October 2025 /regulation Operational Risk Management

Understanding Central Bank Digital Currencies (CBDCs): A Guide to the Core Concerns

1. Introduction: What is a CBDC? A Central Bank Digital Currency (CBDC) is a digital currency issued directly by a country's central bank, such as the Federal Reserve in the United States or the European Central Bank. Unlike physical cash, which is anonymous, or commercial bank deposits, which are liabilities of private banks, a CBDC would be a di...

22 October 2025 /payments /regulation

The Digital Payments Surge: Bridging the Infrastructure Gap Between Ambition and Reality

The global payments industry is navigating one of the most significant periods of change in its history. Driven by shifting consumer expectations and accelerating technological innovation, financial institutions are on a widespread digital transformation journey. The "Payments 2030: What’s Shaping the Future?" survey report, produced by ...

20 October 2025 /payments Innovation in Financial Services

4 Surprising Ways Global Finance Has Been Remade Since the 2008 Crisis

Introduction: Beyond the Banks When we think of the 2008 Great Financial Crisis, the story that comes to mind is one of failing banks, risky mortgages, and a system brought to its knees by the very institutions meant to be its bedrock. It was, in the popular imagination and in reality, a “banking crisis”. But in the years since, the global financi...

17 October 2025 /payments Futuristic Banking

From Defense to Resilience: Building Cyber Strength in an Era of Relentless Digital Threats

A Strategic Risk Management Framework for Sustaining Trust, Continuity, and Competitive Advantage Introduction: Cyber Risk as the New Business Continuity Challenge In an era where business operations, customer interactions, and supply chains are inseparably tied to digital infrastructure, the boundaries between technology risk and business risk h...

15 October 2025 /ai /regulation Operational Risk Management

The Cybercrime Tsunami: How Firms Can Stay Afloat in an Age of Digital Predation

AI-driven attacks, deepfake deception, and escalating ransomware mark a dangerous new era of cybercrime. But with the right strategy, resilience is not only possible—it’s essential. Introduction: Welcome to the New Battleground In today’s hyperconnected world, the frontlines of business are no longer physical—they’re digital. Every transaction, da...

12 October 2025 /crime Operational Risk Management

Balancing the Scales: AI’s Expanding Role in Banking and the New Frontiers of Operational Risk

As artificial intelligence transforms financial operations, banks face both unprecedented opportunities and deepening vulnerabilities. The future belongs to institutions that can harness AI’s power without surrendering control. Introduction Artificial intelligence (AI) and machine learning (ML) have rapidly evolved from niche research fields into ...

11 October 2025 /ai Operational Risk Management

A Quick Take on Current Trends in Fintech -

Where Technology, Trust, and Transformation Collide. The financial technology landscape in late 2025 is both exhilarating and daunting. Once the scrappy upstart of global finance, fintech has matured into a multi-trillion-dollar ecosystem shaping how individuals, companies, and governments move, manage, and multiply money. A decade ago, innovation...

09 October 2025 Innovation in Financial Services

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