- The Case for a Best Execution Principle in Cross-border Payments
Report · 24 October 2025
Cross-border payments suffer from a lack of speed and transparency and limited access, resulting in higher overall costs than domestic payments. This paper analyses how the best execution principle…
- MSME Access to Finance: The Role of Digital Payments
Report · 13 September 2025
Technology has demonstrated its potential to transform money, payments, and finance within a growing social digital transformation. While key stakeholders focus on building public infrastructure to…
- Central Bank Digital Currencies and financial integrity: finding a new trade‑off between privacy and traceability within a changing financial architecture
Report · 5 September 2025
In an increasingly digitised world, and within the new reality of digital finance, a fully digitised public currency seems to be a natural step. To this end, central banks have been testing the…
- Building Digital Payments Ecosystems: Digital Financial Infrastructure, Access to Finance, and the UN Sustainable Development Goals
Report · 3 September 2025
We are now at that halfway point in terms of the United Nations Sustainable Development Goals (SDGs), with the 2030 target getting ever closer. This article examines how digital payments innovations…
- Stablecoins: Risks, Potential and Regulation
Report · 1 July 2025
The technologies underlying money and payment systems are evolving rapidly. Both the emergence of distributed ledger technology (DLT) and rapid advances in traditional centralised systems are moving…
- Building Regional Payment Areas: The Single Rule Book Approach
16 June 2025
In October 2020, the G20 endorsed a significant initiative to enhance cross-border payments. Faster, cheaper, more transparent, and more inclusive cross-border payment services will deliver…
- Digital Finance, COVID-19 and Existential Sustainability Crises: Setting the Agenda for the 2020s
Report · 12 February 2021
This paper examines how the digital financial infrastructure that emerged in the wake of the 2008 Global Financial Crisis is being tested and leveraged to meet some of the financial, economic and…
- What are stablecoins, and how are they regulated?
Report · 23 October 2025
The report provides a comprehensive and up-to-date analysis of the stablecoin ecosystem as of late 2025, following the landmark passage of the GENIUS Act. Stablecoins, digital tokens pegged to assets…
- Environnement réglementaire et innovation technologique en Afrique : des tensions ?
Report · 3 March 2017
This report examines the dynamic relationship between the success of Digital Financial Services (DFS) in Africa and the prevailing regulatory environment, using Kenya’s M-Pesa revolution as a primary…
- Building the UK financial sector’s operational resilience discussion paper
News · 4 July 2018
The Financial Conduct Authority (FCA), in collaboration with the Bank of England and the PRA, has released a joint discussion paper (DP 18/4) aimed at bolstering the operational resilience of the UK…
- FCA responds to the Complaints Commissioner’s Final Report into Premier FX Limited
News · 18 December 2023
The Financial Conduct Authority (FCA) has issued its final response to the Financial Regulators Complaints Commissioner’s report regarding the 2018 collapse of Premier FX Limited. While the FCA…
- FCA proposes changes to complaint handling rules to help victims of authorised push payment fraud
News · 25 June 2018
This press release from the Financial Conduct Authority (FCA) announces a consultation proposing changes to complaint handling rules to better protect victims of authorised push payment (APP) fraud.…
- Firms should strengthen anti-fraud systems and must treat victims of fraud better, review finds
News · 7 November 2023
In a review published in late 2023 and updated through 2025, the Financial Conduct Authority (FCA) called on payment service providers to significantly strengthen their anti-fraud systems and improve…
- Operation of the MoU with the Bank of England for market infrastructure - 2017 performance statement
News · 20 February 2018
In February 2018, the Bank of England and the FCA issued a statement confirming that their Memorandum of Understanding (MoU) regarding the supervision of financial market infrastructure (FMI) remains…
- Response to Government consultation on future of payment systems regulation
Standard or Guidance · 7 September 2025
As of March 2026, the landscape of UK payments regulation has undergone its most significant structural change since 2015. Following the September 2025 consultation, the government is moving forward…
- Payment Services Regulations 2017 and Electronic Money Regulations 2011
Standard or Guidance · 20 October 2015
The Payment Services Regulations 2017 (PSRs) and Electronic Money Regulations 2011 (EMRs) provide the foundational regulatory framework for digital finance in the UK, governing how money is moved and…
- Authorised Push Payment synthetic data
News · 11 March 2025
The Financial Conduct Authority, in collaboration with the Payment Systems Regulator, developed a large-scale synthetic dataset to combat Authorised Push Payment (APP) fraud, which caused £485…
- FCA welcomes the Treasury’s national payment vision
News · 14 November 2024
In November 2024, the Financial Conduct Authority (FCA) issued a formal statement welcoming the Treasury’s National Payment Vision, a strategic framework designed to modernize the UK’s payment…
- Payments after PSD2: evolution or revolution
Speech · 9 April 2018
At the Pay360 Conference, Karina McTeague, Director of Retail Banking Supervision at the FCA, highlighted PSD2 and Open Banking as opportunities to enhance consumer choice, market integrity, and…
- Joint Regulatory Oversight Committee highlights 2023 progress and sets out future UK open banking plans
News · 18 December 2023
In December 2023, the Joint Regulatory Oversight Committee (JROC) published a significant update on the progress of UK Open Banking, detailing a roadmap to transition from the current "sweeping"…
- The future of open banking and the Joint Regulatory Oversight Committee
Speech · 20 June 2022
The Joint Regulatory Oversight Committee (JROC) represents a collaborative effort by the FCA, PSR, CMA, and HM Treasury to steer the future of open banking in the United Kingdom. Established in 2022…
- Authorised Push Payment synthetic data
Report · 12 March 2025
This 2025 update from the Financial Conduct Authority (FCA) highlights a major technological leap in the fight against Authorised Push Payment (APP) fraud, which accounted for £485 million in losses…
- FCA welcomes the Treasury’s national payment vision
News · 24 November 2024
The National Payments Vision (NPV), first welcomed by the FCA in late 2024, has moved from a strategic ambition into a structured delivery phase. As of March 2026, the focus has shifted to the…
- FCA response to European Banking Authority’s Opinion on Strong Customer Authentication
News · 27 June 2019
In June 2019, the Financial Conduct Authority (FCA) issued a formal response to the European Banking Authority’s (EBA) opinion regarding Strong Customer Authentication (SCA) under the revised Payment…
Showing 337–360 of 490 resources.