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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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EBA Delays Instant Payments Reporting Enforcement Until 2026

The EU’s financial watchdog has decided to press pause on an imminent payments compliance deadline, stating that it will not become actionable until next year.
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Payments

Card Payments On The Rise In The Eurozone, Latest ECB Stats Show

The European Central Bank’s (ECB) latest data on payments being made by consumers in the EU reveals growth in all areas, with card payments accounting for more than half of non-cash payments.
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Payments

Trump Appointee Shuts Down CFPB On First Day In New Role

The US Consumer Financial Protection Bureau (CFPB) is facing an existential crisis following an immediate suspension order issued by its new acting director.
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Payments

Daily Dash: MPs Launch Inquiry Into AI's Role In Financial Services

UK lawmakers on the influential Treasury Select Committee have launched a new inquiry into the growing use of artificial intelligence (AI) in banking, pensions and financial services, with a focus on consumer protection and financial stability.
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Payments

European Commission Rejects DORA Subcontracting Rules, Triggering Uncertainty

The European Commission has rejected significant provisions for subcontracting ICT services, arguing that certain requirements exceed the mandate provided under the Digital Operational Resilience Act (DORA).
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Payments

El Salvador Amends Bitcoin Law, Allowing Merchants To Refuse Bitcoin

As per the terms of a new loan agreement with the International Monetary Fund, El Salvador is rolling back its efforts to promote the use of Bitcoin as a currency.
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Payments

Barclays Asks UK Customers To Call On Friends, Family And Food Banks During Weekend Outage

Barclays is in damage-control mode following a weekend of outages that led the bank to suggest that affected customers may wish to call on their friends and family for help.
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Payments

New Consultation On cVRPs Aims To Boost Open Banking Adoption In The UK

Open Banking Limited has announced a public consultation on the multilateral agreement for commercial variable recurring payments (cVRPs), which could lead to increased use of open banking.
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Payments

PaymentsCompliance Outlook: APP Fraud

This report is part of Vixio PaymentsCompliance’s Outlook series, which provides subscribers with forward-looking insights and consolidated research on key segments of the global payments industry. This edition is designed to provide high-level intelligence on APP fraud in 2025
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Payments

US Government Will Use AI To 'Eliminate' Illicit Use Of Tether, Lutnick Tells Senate

Tether custodian and Trump Cabinet pick Howard Lutnick has told US lawmakers that illicit use of stablecoins can be "eliminated" by using AI tools to "rip through" the blockchain.
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Payments

KuCoin To Pay $300m In Penalties For Operating Illegally In US

KuCoin, a Seychelles-based crypto exchange, will face significant penalties after pleading guilty to operating as an unregistered money services business in the US.
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Payments

ECB Finalises Access To Payment Systems Policy

Payments and e-money institutions have come a step closer to gaining access to central bank payment systems in the Eurozone, after the European Central Bank (ECB) outlined its policy for the regulatory change.
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Payments

MEPs Probe Italy's Compliance With Payment Rules Over pagoPA Fees

The European Commission has been urged to investigate Italy’s compliance with EU payment regulations following concerns that fees are being charged on electronic transactions via the government-run pagoPA payment system.
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Payments

Daily Dash: BaFin Flags Virtual IBANs As Money Laundering Risk

Germany’s Federal Financial Supervisory Authority (BaFin) has joined the European Banking Authority and the Banca d’Italia in raising the alarm about the use of virtual IBANs for illicit financial transactions.
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Payments

Kambi Secures Nevada Gaming License

The Nevada Gaming Commission has approved final licensure for sports-betting supplier Kambi Group, clearing the way for its entry into the state’s gaming market.
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Gambling

News In Brief: January 27-January 31, 2025

Ireland's gambling regulator says it is ready to start hiring officials, Estonia to work on gambling law amendments this year, North Dakota wants to close its gambling regulator and another NBA player is under investigation over allegedly suspicious bets.
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Gambling

Colombia Proposes Emergency Online Gambling Tax

Colombia has proposed waiving gambling’s value added tax (VAT) exemption for the next 90 days to fund relief efforts for the Catatumbo region.
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Gambling

UK Government Has 'No Plans' To Mandate Cash Acceptance, Says Minister

A newly appointed minister has said the Labour government has "no plans" to mandate that retailers accept cash, but is also not planning for a "cashless society".
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Payments

Week In Crypto: Binance Hit By Tax Fraud, Money Laundering Probe In France

France opens a criminal probe into Binance, Utah and Arizona move towards investing state funds in Bitcoin, and the Czech central bank also sees a role for Bitcoin in its portfolio.
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Payments

PSR Establishes Five-Point Plan To Drive UK Economic Growth In Payments Sector

In a letter to Prime Minister Keir Starmer, the Payment Systems Regulator (PSR) has set out its deliverables for growth, including action on card fees and infrastructure.
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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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