65 Results
Stanley Epstein Associate at Citadel Advantage Group
Introduction: The New Core of Financial Innovation The global fintech ecosystem has entered a defining phase—one where hype is giving way to tangible transformation. Amid the noise of artificial intelligence, regulatory reform, and payments modernisation, one topic dominates every serious fintech discussion: the rapid rise of stablecoins and token...
30 October 2025 /payments /predictions Innovation in Financial Services
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
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
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
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 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
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
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
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
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
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