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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 accessVixio View: The FCA’s Payments Priorities Offer Clarity Rather Than Novelty – Except on AI
Although the priorities mostly emphasise the importance of effective execution and positive outcomes for consumers and the market, payments firms operating in the UK should note the warning that on-paper compliance is no longer enough.
Read articleRegulatory Influencer: United States Advances Artificial Intelligence Governance Architecture for Financial Services
Rather than introducing sweeping artificial intelligence (AI) legislation, US policymakers are constructing a sector-based governance architecture for AI in financial services, built around voluntary frameworks, supervisory coordination and existing regulatory structures.
Read articleUS CBDC Ban and Stablecoin Compromise Point to Potential Digital Asset Framework
Following a Senate vote to prohibit the Federal Reserve from issuing a central bank digital currency (CBDC), an agreement on stablecoin yields has established a boundary between passive interest and activity-based rewards.
Read articleSingapore and US Frameworks Aim to Guide the Rapid Integration of AI
The initiatives contrast in approach and intent, but together signal a transition from abstract artificial intelligence (AI) theory towards concrete regulatory implementation and sector-specific oversight.
Read articleRegulatory Influencer: DORA Year Two - Moving from Implementation to Application
Regulation (EU) 2022/2554 on digital operational resilience for the financial sector (DORA) became applicable across EU member states on January 17, 2025. As we enter the second year of application, how has the regulation transformed the operational resilience of the financial sector in Europe?
Read articleUK Court of Appeal Decision Means Continued Uncertainty on Interchange Fees
Permitting Visa and Mastercard to challenge the Competition Appeal Tribunal’s (CAT) previous ruling returns the UK payments sector to legal volatility, leaving the cost of card acceptance an unsettled question as regulators promote alternatives.
Read articleNew US Cyber Strategy Offers Ambition But Few Details
The Trump administration’s vision for cybersecurity signals its priorities, which include working closely with the private sector to identify fraud networks and suspicious financial flows, but stakeholders must wait to learn of any new obligations.
Read articleDecoding the UK Regulatory Grid: Banking, Credit and Lending Analysis
The ninth edition of the UK’s Regulatory Initiatives Grid, published in December 2025, sets out the country’s financial services regulatory agenda for the next two years. In this piece, Vixio examines what the regulators have outlined in the banking, credit and lending section of the latest grid, explains the likely impact of developments on financial institutions and suggests what the regulators’ stated priorities tell us about the direction of travel in the UK.
Read articleDeepening of Poland’s Crypto Regulation Deadlock an Existential Threat to Local Industry
The country still lacks a regulatory framework for digital assets, creating a significant challenge for Polish crypto firms, which may be forced to suspend operations or rapidly migrate to other EU jurisdictions to maintain market access.
Read articleRegulating by Result: Converging Global Standards for Subscription Transparency and Consumer Protection
Subscription-based business models have become a defining feature of digital commerce, prompting increased regulatory scrutiny of recurring payment practices. As recurring billing has expanded across sectors, including media, fintechs, and retail memberships, regulators are increasingly focused on consumer protection issues such as transparency of pricing and renewal terms, informed consumer consent, ease of cancellation, and prevention of so-called “subscription traps”.
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