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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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Spain's Regulator Pledges To Restore Ad Ban For 'Very Unbalanced' Market

Spain’s most senior gambling regulator is promising tougher measures and the return of an advertising ban defeated in the Supreme Court, arguing that the industry makes too much profit from its highest spending players.
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Gambling

Esports Betting Struggles For Acceptance Among U.S. Gamblers

At the start of the 2020s, almost the entire sports-betting industry saw gambling on esports as the next big thing, but the industry has struggled to meet those lofty expectations.
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Gambling

EU Shift Could Help Tackle Booming Illegal Gambling Market

A shift in Europe's political landscape toward non-conventional and right-wing politics offers the gambling industry an opportunity to influence lawmakers and collaboratively tackle the rising global threat of illegal gambling, senior industry figures have said.
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Gambling

Daily Dash: Lithuanian Payments Firms Experience Another Surge

Revenues of e-money institutions and payment institutions soared in Q3 2024, with licensing income rising by 22 percent year-on-year to €431.4m and payment transaction volumes up 37 percent to €141bn.
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Payments

Daily Dash: Estonia Looks For Solutions To Growing Fraud Problems

The country has seen a rise in fraud, particularly relating to cross-border transactions, phishing emails, scam calls and other manipulation schemes, according to the Estonian Payment Environment Forum.
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Payments

EBA Makes New Clarifications On E-Money And Third Country Rules

In its latest Q&As, the European Banking Authority (EBA) has issued a series of important clarifications concerning payment services and electronic money under EU law.
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Payments

Regulatory Influencer: Costa Rica's New Card Regulations

The Central Bank of Costa Rica has introduced a new legal framework, with staggered implementation dates from February 20, 2025 onwards, aimed at improving efficiency, security and affordability of Costa Rica’s payment cards. Key aspects of the framework include caps on fees for local and cross-border payment transactions.
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Payments

New Dutch Regulator Expects Tough Year Ahead

The head of the Dutch gambling regulator continues to refine market regulation, promising advertising fines and collaboration on duty of care, but faces a backdrop of political vitriol so potent it threatens to eliminate the entire licensed market.
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Gambling

Peru Temporarily Lowers Consumption Tax

Peru’s Ministry of Economy and Finance has published a decree that modifies the controversial selective consumption tax (ISC) for online sports and gaming, lowering the rate from 1 percent to 0.3 percent for the next six months.
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Gambling

The Paradox Of Cross-Border Payments Development

Even as advances in technology increase the speed of cross-border payments, geopolitical challenges are blocking consumers’ ability to send money where they want.
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Payments

FCA Pinpoints Payments To Accelerate Growth In Letter To PM

The UK’s Financial Conduct Authority (FCA) has unveiled plans to accelerate innovation, streamline regulations and support the financial services sector’s competitiveness.
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Payments

Daily Dash: PSR Updates Strategy With Innovation And Consumer Protection Focus

The UK’s Payment Systems Regulator (PSR) has unveiled an updated strategy outlining its priorities for the UK payments ecosystem, building on its 2022 five-year plan.
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Payments

New York Sets Out Consumer Protection Reforms In Banking And Payments

As part of her 2025 State of the State address, New York Governor Kathy Hochul has announced plans to target issues such as scams and the rise in unregulated buy now, pay later use.
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Payments

Brazil Regulator Confronting Challenges To Its Licensing Authority

Just days into the country's new regulated era, Brazil’s federal betting regulator is facing several overlapping challenges to its licensing authority over online gambling.
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Gambling

Maryland Regulators Cracking Down On Offshore Sites And Sweepstakes

Ongoing efforts to crack down on offshore gambling sites and unlicensed sweepstakes platforms operating in the U.S. continue to be challenged by a lack of acquiescence on the part of the companies, according to Maryland's chief regulator.
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Gambling

News In Brief: January 13-January 17, 2025

The long time leader of the National Council on Problem Gaming has left his post.
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Gambling

DORA D-Day Is Here As Firms Prepare For 'Significant' Reporting Deadline

Vixio speaks to experts as the EU’s Digital Operational Resilience Act (DORA) becomes a fully actionable compliance requirement for financial institutions and their ICT providers operating in the trading bloc.
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Payments

Week In Crypto: The Battle For Trump-Era Crypto Regulation Begins

US lawmakers are preparing to deliver on a widely anticipated federal crypto framework and new crypto-specific anti-money laundering legislation, both of which look set to emerge under President Trump.
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Payments

Daily Dash: Ireland Makes Fraud A Priority In Programme For Government

The incoming Irish administration’s programme for government includes a dedicated section on tackling fraud in the financial services sector, showing how much of an issue it has become for policymakers.
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Payments

Daily Dash: CFPB Accuses Capital One Of 'Cheating' Its Customers

The US Consumer Financial Protection Bureau (CFPB) has filed a lawsuit against credit card Capital One and its parent company, Capital One Financial Corp.
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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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