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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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EU Considers Potential Impact Of Limited Network Exclusion Changes Under PSD3

Changes to the Limited Network Exclusion may affect businesses across the bloc, with the European Parliament favouring a permissive revamp in the amended Payment Services Regulation text.
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Payments

Daily Dash: France And Singapore Central Banks Complete Post-Quantum Security Test

The Banque de France and the Monetary Authority of Singapore have completed an experiment in post-quantum cryptography, designed to protect communications from cyber threats posed by quantum computing, while Wise has been granted permission to connect directly with InstaPay, the Philippines’ real-time payments system.
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Payments

Missouri Voters Narrowly Approve Sports-Betting Measure

By a razor-thin margin, Missouri voters have approved a ballot initiative to legalize land-based and mobile sports betting, making it the first, and likely the only, state to legalize the activity in 2024.
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Gambling

German Regulator Questions 'Pessimism' As Industry Seeks Relief

The German online gambling industry debated "sobering" prospects while its top regulatory official questioned why the industry is so pessimistic.
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Gambling

Tight Race Expected As Missouri Votes On Sports Betting

Support for legalizing sports betting in Missouri has declined by double-digits as U.S. voters head to the polls on Election Day, according to the most recent poll on the initiative.
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Gambling

Ireland's New Regulator Outlines Next Steps 

Ireland's new licensing regime will commence on a phased basis, according to the new gambling regulator, but there is still no fixed timeline for when new licence applications will open.
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Gambling

Regulatory Influencer: FTC Issues Final “Click-to-Cancel” Rule

In recent years, regulators and consumers have expressed growing concerns over deceptive subscription practices and negative option marketing. In October 2024, the FTC issued the Negative Option Rule, commonly referred to as the “click-to-cancel” rule that will require sellers to make it as easy for consumers to cancel their enrollment as it is for them to sign up.
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Payments

US Election 2024: What To Expect For The US Payments Industry?

In the second part of this election series, Vixio looks at the impact for the payments industry in both potential outcomes, including key areas such as fraud, card fees and crypto-assets.
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Payments

US Republicans Object To 'Heavy-Handed' Scrutiny Of Bank-Fintech Partnerships

A group of senior Republicans in Congress have urged federal regulators not to rush into "ill-fitting" regulations on financial service companies, following a "heavy-handed" investigation into bank-fintech partnerships.
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Payments

Bybit Fined €2.25m For Providing Unregistered Crypto Services In The Netherlands

De Nederlandsche Bank has imposed an administrative fine of €2.25m on Dubai-headquartered crypto firm Bybit Fintech Limited (Bybit) for operating in the Netherlands without the required legal registration.
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Payments

Daily Dash: UK Parliamentary Committee Launches Inquiry Into Cash Acceptance

The UK's Treasury Select Committee has announced an inquiry into whether new rules are needed to require businesses to accept physical cash, while the BIS is to exit a study of wholesale central bank digital currency (CBDC) for cross-border payments.
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Payments

Bally's To Sell Japan-Facing Online Gambling Business

Bally's Corporation has announced it will offload control of Japanese online gambling and "certain other international markets" to the same operation's managers while retaining "licensing and royalty revenues".
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Gambling

New Finland Draft Will Accelerate Market Opening

Finland has released an updated draft of its monopoly-ending gambling law, revealing an intent to open the market six months earlier than planned.
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Gambling

Brazil's Chief Prosecutor Expected To File Legal Challenge Against Online Gambling Law

Brazil’s prosecutor general is reportedly preparing to file a constitutional challenge in order to overturn Law 14.790, which regulates online betting.
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Gambling

Daily Dash: Cyprus Considers Banning Cash Transactions Over €10,000

Lawmakers in Cyprus are considering banning the use of cash for transactions of €10,000 or more, while the US CFPB has fined VyStar Credit Union $1.5m after a failed system upgrade left customers without access to their accounts.
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Payments

US Election 2024: How A Trump Win Could Affect The CFPB

In the first of a two-part report, Vixio looks at what the impact of a second term for President Donald Trump will be on the Consumer Financial Protection Bureau (CFPB), the US federal consumer protection agency.
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Payments

Singapore: New National AML Strategy Banks On 'Whole-Of-Government' Approach

One year on from Singapore’s largest ever money laundering bust, regulators are banking on a "whole-of-government" approach to prevent further illicit funds from entering the jurisdiction’s financial system.
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Payments

Mastercard Faces European Commission Fee Probe

The US card giant has disclosed in its quarterly report that it is cooperating with the European Commission on an antitrust investigation.
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Payments

OBL Could Oversee Standards In New UK Data Bill, Open Banking Chief Says

In an exclusive interview with Vixio, Henk Van Hulle, chief executive of Open Banking Limited (OBL), welcomed the Data Use and Access Bill and suggested that his organisation could act as the body overseeing standards.
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Payments

São Paulo Awards Brazil's Most Lucrative State Lottery Licence

São Paulo’s government has awarded a $100m concession for a state lottery and may soon follow up with a local licensing system for sports betting and online gaming.
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Gambling
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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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