Tokenization and AI Are Building a Whole New World of Money
The article contrasts stablecoins, central bank digital currencies (CBDCs) and tokenised deposits, highlighting their distinct issuers, risk profiles, and system roles. Stablecoins now move tens of trillions of dollars annually, while more than 130 central banks are testing CBDCs and banks such as JPMorgan run tokenised‑deposit platforms like JPM Coin for instant settlement. Tokenisation merges the asset with its transfer instruction, enabling programmable, atomic settlement. Combined with AI, this creates autonomous financial agents that can move money without human intervention, reshaping payments, supply‑chain finance and personal wealth management.
Things Worth Reading: 15th April 2026
The European Central Bank released the Eurosystem’s response to the European Commission’s consultation on banking sector competitiveness, outlining measures to boost cross‑border lending, streamline regulatory burdens, and enhance digital finance adoption across the EU. The ECB proposes harmonised capital requirements,...
The Regulator’s Roadmap
The UK Financial Conduct Authority released a decade‑long roadmap to roll out open finance by 2030, extending data sharing beyond payments to mortgages, savings, investments and insurance. The plan prioritises real‑world pilots in 2026, focusing on SME lending and mortgage...
Is Everyone Scared of the AI Threat? If Not, You Should Be
U.S. regulators convened the CEOs of the nation’s biggest banks after Anthropic unveiled Claude Mythos, an AI model that can autonomously locate and chain together decades‑old software vulnerabilities. The model’s ability to turn hidden flaws into exploitable attacks prompted an...
Things Worth Reading: 13th April 2026
The Bank of England warned of a potential 2008‑style financial crash as the Iran‑UK conflict threatens the British economy, while analysts question the resilience of major banks. In Europe, the ECB backed a unified crypto‑supervision framework under the Markets in...
The Finanser’s Week: 6th April – 12th April 2026
Research from RedCompass Labs shows that 44% of global banks are off‑track for the ISO 20022 migration deadline in November 2026, a hard stop on legacy SWIFT messaging. The weekly roundup also highlights Jamie Dimon’s cautionary shareholder letter, a critique of the...
Almost Half of the World’s Banks Aren’t Ready for ISO20022
RedCompass Labs reports that 44% of banks worldwide are off schedule for the ISO 20022 structured‑address migration deadline in November 2026. The lag is especially pronounced among large institutions, with one in five banks holding assets over $250 billion calling the deadline unrealistic....
From Spending to Investing: How Digital Payments Are Reshaping Modern Money Habits
Digital payments have shifted everyday transactions from a deliberate cash‑handout to near‑instant taps, eliminating the pause that once prompted spending reflection. The automatic categorisation of each transaction gives users real‑time visibility into where their money goes, turning raw data into...
“Invisible Banking” Is Pointless
The author dismisses the buzzword “invisible banking,” arguing that finance should be transparent, not hidden. He frames the third fintech wave as an “intelligence revolution” powered by AI, which must surface full transaction details rather than cryptic codes. Current embedded‑finance...
Jamie Dimon’s Shareholder Letter: Times Are Tough for All of Us
Jamie Dimon’s 2025 annual letter paints a cautiously optimistic picture for banking, noting that the U.S. economy appears stable but warning that geopolitical tensions could sustain higher inflation and interest rates. He stresses that politics now drives economic risk, making...
Things Worth Reading: 7th April 2026
The week’s headlines spotlight rapid fintech expansion and mounting financial‑sector stress. TikTok is applying for a Brazilian fintech licence to launch consumer credit, while Jamie Dimon’s shareholder letter flags regulatory headwinds for the industry. Traditional banks are turning to advanced...
The Finanser’s Week: 30th March – 5th April 2026
This week’s Finanser roundup underscored that money’s power stems from shared, trusted networks, casting doubt on blockchain’s ability to replace legacy systems. Google warned that quantum computing is closing in on the elliptic‑curve cryptography that secures most cryptocurrencies, turning a...
Money only Works in a Trusted, Shared System … Which Is Why Blockchains Don’t Work
The Bank for International Settlements paper argues that money’s value stems from a single, shared network, a principle that blockchain’s fragmented token ecosystems undermine. Each blockchain operates its own validators, incentives and governance, creating coordination challenges and higher transaction costs....
Things Worth Reading: 3rd April 2026
Chris Skinner’s roundup highlights a series of unsettling developments across finance. Goldman Sachs was placed under police surveillance in Paris, underscoring heightened regulatory scrutiny of major banks. Fintech apps were found storing passport images on unprotected servers, while a shadow...
Making Payroll Simple for Businesses
Payroll remains one of the most time‑consuming tasks for organizations, but digital pay‑stub generators are simplifying the process. These tools automatically calculate earnings, taxes, and deductions, producing accurate, customizable stubs in seconds and eliminating manual errors. By centralizing records, they...
