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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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Sign up for accessDigital Euro Legislative Push Gains Pace, Despite Holding Limit Debate
Plans for the central bank digital currency (CBDC) are still being refined, but look set to create significant data, governance and interoperability responsibilities for payments firms operating in the EU.
Read articleCross-Border Retail Payments Platform Set To Boost Regional Trade Integration in Africa
The Common Market for Eastern and Southern Africa’s (COMESA) Digital Retail Payments Platform (DRPP) is a landmark step for regional financial integration, enabling payment service providers and banks to expand cross-border services, reduce transaction costs and capture emerging opportunities in 2026 and beyond.
Read articleGhana Moves Towards Comprehensive Virtual Asset Regulation In 2026
Ghana is preparing for a major shift in its regulatory approach to virtual assets, with the Virtual Asset Service Providers (VASP) Bill 2025 set to introduce a structured, risk-based regulatory framework for virtual asset activities.
Read articleIs 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.
Read articleVixio’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.
Read articleRegulatory 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.
Read articleVixio'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.
Read articleGuarding 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.
Read articleBRICS’ 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.
Read articleRegulatory 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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