Bank as a Service (BaaS): A New Business Model Transforming Financial Services
The financial services landscape is undergoing a profound shift. At the heart of this transformation is Bank as a Service (BaaS), a model that is democratising access to banking infrastructure and
Preparing for AI-Driven Workforce Transformation in Financial Services
AI job displacement in financial services presents both challenge and opportunity. Whilst 85 million jobs will be displaced globally by AI automation, 97 million new roles will simultaneously emerge, creating a
Eliminating Bias and Ensuring Fairness in AI-Driven Banking Systems
As artificial intelligence assumes greater responsibility for critical financial decisions, algorithmic bias has emerged as one of the most pressing ethical challenges facing the banking sector. Recent research reveals that 85%
The Rise of Account-to-Account Payments: A Paradigm Shift in Financial Services
The payments landscape is experiencing its most significant transformation since the introduction of card schemes. Account-to-account (A2A) payments, powered by Open Banking infrastructure, are rapidly gaining ground against traditional card networks.
Designing for “nines” that match real banking risk
Meta description: How to choose 99.9% to 99.9999% availability in digital banking. See downtime budgets, cloud vs mainframe trade‑offs, indicative costs, and how Rust bridges cloud and IBM Z/HPE NonStop to
SoftPOS: The Payment Revolution
Discover SoftPOS technology: transform smartphones into payment terminals with zero hardware costs. Complete guide with market data and research.
The business case: prove ISO 20022 ROI in low-value at production scale
Real-world case studies of ISO 20022 migration in low-value payments, with lessons for issuers, acquirers and processors.
Regulation and policy for low-value rails: what to watch and how to act
Discover the strategic implications of ISO 20022 regulatory low-value payments for harmonised implementations across Europe and beyond.
The low-value playbook: migrate without losing a millisecond
Card systems have lived for decades on ISO 8583. That standard still works, but it is flat, overloaded and requires custom extensions.
ISO 20022 for low-value payments: data that scales with your volume
Discover the potential of ISO 20022 low value payments to improve data quality and reduce costs in high-volume transactions.
The True Cost of Legacy Systems: A Deeper Dive into Banking IT Modernisation
Banks are underestimating the total cost of ownership (TCO) of legacy core systems by up to 80%. This in-depth follow-up to “The True Cost of Legacy Systems” uncovers the hidden costs
True Cost of Delay: TCO, Data Volume, Competitive Edge, and Customisation in Legacy Banking System Modernisation
The message is clear and urgent: banks that delay modernisation are not just accruing technical debt, they are actively eroding their own competitiveness and increasing future costs. The TCO of legacy
