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Europe Advances Plans For Real-Time Payments Connectivity With Asia

By linking its TARGET Instant Payment Settlement (TIPS) system with India and Southeast Asia, the European Central Bank (ECB) is accelerating real-time payments globally and challenging European payment service providers (PSPs) to prepare for faster flows and competitive pressures.
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Prolonged Limbo On Open Banking Leaves US Financial Sector Navigating Uncertainty

A renewed push from Democratic senators highlights how the stalled Personal Financial Data Rights (PFDR) rule is forcing banks and fintechs to rethink strategy, as shifting political priorities threaten a stable data-access framework for the long term.
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US Open Banking Rule Highlights Industry Divisions Over Data And Fees

By defining who can access consumer data, whether fees are allowed and compliance timelines, the Personal Financial Data Rights final rule (PFDR Rule) underscores continuing legal and market tensions between banks and fintech innovators.
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EBA Slams Fintechs Over Lax Compliance In New AML Risk Assessment

In its latest risk assessment, the European Banking Authority (EBA) has warned that poor practices and a lack of experience at fintechs, including payments and crypto firms, are undermining efforts to tackle financial crime.
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News In Brief: October 28-November 1, 2024

A second supplier has been approved by authorities in the UAE and the Massachusetts legislature sets aside online lottery funding.
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Gambling

UK, Lagos Regulator Collaborating To Tackle Illegal Gambling

The Lagos State Lotteries and Gaming Authority has signed a memorandum of understanding with the UK Gambling Commission to help it strengthen its cross-border enforcement against foreign operators targeting players in Lagos State.
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Gambling

Three Become One: New Zealand To Create 'Super' AML Regulator

The New Zealand government has announced plans to introduce a single regulator to oversee its new anti-money laundering (AML) regime, in an effort to “streamline” the compliance burden for firms.
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Payments

Lithuanian EU Payment Proposals Aim To Quash E-Money 'Ambiguity'

New proposals seen by Vixio are seeking to provide clear definitions for e-money services in the third Payment Services Directive (PSD3), given concerns around how e-money accounts should be interpreted.
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Payments

Daily Dash: Greece To Mandate Instant Payment Acceptance By Spring 2025

Greece is to mandate that all businesses are able to accept instant payments using the IRIS payment system by Spring 2025, while the Spanish Data Protection Agency has fined Ibercaja Banco €300,000 for failing to comply with the GDPR.
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Payments

End To Seminole Legal Dispute May Put Florida iGaming In Play

More than four months after the U.S. Supreme Court refused to take up a challenge to a gaming compact that granted the Seminole Tribe exclusive rights to operate online sports betting in Florida, the tribe and its opponents have agreed to end all litigation.
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Gambling

Devil In The Detail Of Ireland's Gambling Ad Rules, Say Lawyers

Ireland's long-awaited Gambling Regulation Bill has struck a good balance regarding the advertising it will permit and restrictions aimed at improving consumer protections, say legal experts, but the market will have to wait and see if the new Gambling Regulatory Authority of Ireland introduces additional regulations. 
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Gambling

Singapore To Introduce New Reimbursement Rules For Phishing Scams

Financial institutions and telcos in Singapore will soon be subject to new rules that will make them “directly accountable” for losses incurred by victims of certain phishing scams.
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Payments

PSPs Must Get Registered As Bank Of Canada Assumes New Supervisory Role

Payment service providers (PSPs) in Canada must register with the central bank to continue operating, as the Bank of Canada takes on a new supervisory role of the country’s payment system.
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Payments

UK's Safeguarding Plans Go Beyond PSD3, But Regulatory Alignment May Be Coming

The UK proposals are stricter than the regime planned for the EU, but the European Banking Authority's regulatory technical standards could lead to similar requirements across the board.
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Payments

UK Regulator Fines Wise CEO Over Failure To Disclose Tax Issues

The Financial Conduct Authority has imposed a £350,000 fine on Kristo Käärmann, CEO of Wise, for failing to notify the financial regulator of significant tax issues, marking a significant breach of senior manager conduct rules.
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Payments

Daily Dash: Hong Kong Partners With Thailand, Brazil On Cross-Border Tokenisation Initiatives

Hong Kong has announced partnerships on the use of tokenisation for cross-border payments using CBDC with Thailand and Brazil, while the Danish Financial Supervisory Authority has issued an enforcement decision against cash-handling company Loomis' Danish arm.
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Payments

Aristocrat Secures The UAE's First Gaming Vendor Licence

The land-based gaming arm of Australian listco Aristocrat Leisure has received the first “gaming-related vendor” licence to be issued by the United Arab Emirates (UAE) gambling regulator.
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Gambling

Gaming Expansion A Long Shot In Lone Star State In 2025

While progress has been made in recent years towards gaming expansion in Texas, the path to legalization of casino gaming or sports betting remains daunting due to the state’s political climate and steep requirements to enact legislation.
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Gambling

Fight Against Online Casino Games Begins In France

The budget amendment that would legalise online casino games in France has been met with favour by the French public and opposition by land-based casinos and local politicians. 
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Gambling

Regulatory Influencer: No More Hiding Complaints From Us, Says Dubai Authority

The Dubai Financial Services Authority (DFSA) has published its latest thematic review of complaints handling among firms within the Dubai International Financial Centre (DIFC).
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Payments

Daily Dash: UK Government To Expand On Open Banking With New Data Laws

The UK government has introduced a bill that promises an economic boost of £10bn over the next decade via expanded data-sharing capabilities, while India has revoked remittance provider UAE Exchange Centre’s certificate of authorisation.
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Payments

B2B And B2C Companies In US Face Varying Credit Card Surcharging Challenges

US organisations experience credit card surcharging differently based on their type, meaning they also have different compliance challenges and face different levels and types of potential regulatory intervention.
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Payments

Norway Urges Better Compliance With European Card Choice Laws

The Norwegian Financial Supervisory Authority has issued a notice urging improved transparency and functionality regarding payment brand choices for co-badged payment cards.
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Payments

Polish Consumer Watchdog Issues New Guidance On Preventing Payments Fraud

The president of the Office of Competition and Consumer Protection (UOKiK) is aiming to reduce the risk of fraudulent transactions, strengthen consumer protection and increase security as the digital payment environment evolves.
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Payments
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Is the Digital Banking Licence the Answer to Nigeria’s Lending Struggles?

The Central Bank of Nigeria’s (CBN) fintech report outlines the country’s readiness to align financial innovation with market-friendly regulations, aiming to create long-term opportunities for digital lenders.
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Vixio’s Verdict: The UK Financial Conduct Authority’s Case Against HTX — Setting the Precedent for Extraterritorial Regulatory Action

On February 10, 2026, the UK’s Financial Conduct Authority (FCA) published its legal proceedings, which it had filed on October 21, 2025, against Panama-incorporated crypto exchange HTX (formerly Huobi Global) for illegal, continued promotion of services to UK consumers.
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Regulatory Influencer: The EU AI Act - From Principles-Based Guidance to Sector-Specific Supervision

The European Union’s AI Act, Regulation (EU) 2024/1689, represents the first comprehensive, binding framework for the development, deployment and use of artificial intelligence across the European Union. Having entered into force on August 1, 2024, the regulation is subject to a phased implementation timetable. While certain provisions are already applicable, the majority of obligations most relevant to the financial services sector are scheduled to apply from 2026. As a result, financial services firms have a narrowing window to assess their AI use cases, align governance frameworks and prepare for supervisory scrutiny.
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Vixio's Verdict: Unpacking the EU Anti-Money Laundering Authority's Future Plans

On February 4, 2026, the EU’s Anti-Money Laundering Authority (AMLA) published its single programming document (SPD) for 2026-2028, its first multi-year plan. Published at a critical juncture in AMLA’s operation, with the institution seeking to deliver upon its core mandates, this analysis will examine the SPD and look at its implications for impacted firms, as well as provide Vixio’s initial response to AMLA’s plans.
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Guarding the Rails: Payments Infrastructure Sovereignty In A Fragmenting World

Growing geopolitical tensions are forcing countries to reassess their critical national infrastructure, with growing political focus on the sovereignty of domestic payment rails.
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BRICS’ Digital Currency Plans Aim to Reshape Cross-Border Payments

In considering linking their central bank digital currencies (CBDCs), the BRICS economies are seeking to redesign global financial plumbing to reflect the bloc’s growing weight in the world economy.
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Regulatory Influencer: Earned Wage Access in Flux in the US - Navigating CFPB Guidance and State Divergence

On December 23, 2025, the Consumer Financial Protection Bureau (CFPB) issued an advisory opinion to resolve regulatory uncertainty surrounding the applicability of the definition of “credit” under the Truth in Lending Act (TILA) and its implementing regulation, Regulation Z, to Earned Wage Access (EWA) products.
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India's New Data Protection Regime To Transform Compliance Landscape

In November 2025, India’s Ministry of Electronics and Information Technology operationalised the Digital Personal Data Protection Rules 2025 (DPDP), bringing the Digital Personal Data Protection Act 2023 into a unified, citizen-centred framework.
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Australia Set To Bring Digital Asset Platforms Under Full Financial Services Regulation

Australia is poised for a significant regulatory shift in 2026 as the government moves to integrate digital asset and tokenised custody platforms into the existing financial services framework.
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Singapore And Malaysia Lead The Charge On AI Regulation in Asia-Pacific

Artificial intelligence (AI) regulation is accelerating across Asia-Pacific, as supervisors respond to rapid uptake of machine-learning models in credit, fraud detection and customer engagement.
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