Insights Category: Blog

Over recent months, we engaged with more than 100 banking leaders across four markets through Banking(X)change, a programme of executive roundtables and individual discussions with banks at different stages of their payments transformation journeys. This report brings together the themes that emerged most consistently during those conversations. While priorities naturally varied by market, business model,… Continue reading What we heard from 100+ bank leaders across four markets

Cross-border payments succeed when money reaches an ordinary account or wallet that the recipient already uses, at a cost and a speed that match the domestic experience around it. Everything else is detail. The short answer Seven years of building payment corridors across more than 150 countries has taught us that customer stories are not… Continue reading What seven years of building cross-border payments has taught us

Most trend pieces are a way of saying nothing at length. This one has a rule: each trend comes with the evidence that it is real, and one thing a bank could sensibly do about it on Monday morning. If a trend cannot survive both tests, it is a theme, not a trend, and it… Continue reading Five payment trends every banking executive should watch

Every few years the payments infrastructure industry discovers a technology that is going to make banks, card networks and correspondent banking obsolete by roughly next Tuesday. Stablecoins are the current holder of that title. The claim is wrong, but it is wrong in an interesting way, and the interesting part is worth your time. The… Continue reading Stablecoins are a new layer of global payments, not a new payments system

The endpoint economy is the payment world we already live in: money no longer moves toward one dominant instrument, but outward across many – bank accounts, wallets, cards, merchants and now digital assets – each one a valid place for a customer to send or receive funds. Most payment strategy still assumes the opposite, that… Continue reading The endpoint economy: why the future of payments is not built around one method

The world spent 20 years getting people into the financial system. The next stage of that work is not about accounts at all — it is about whether those accounts can talk to each other. That is what comes after access, and it is the unfinished business of financial inclusion. The short answer Access was… Continue reading Interoperability is the next chapter of financial inclusion

Introduction Malaysia’s remittance sector is at an important turning point. As one of Southeast Asia’s key economies and a destination for millions of migrant workers, the country is rapidly transitioning into a digital-first market for cross-border payments. For those of us involved in building this ecosystem, the changes are visible on the ground every day.… Continue reading The Malaysian Cross-Border Payments Industry: Opportunities in a Rapidly Evolving Landscape