The new gears of the payments system: Fiat, CBDC, Stablecoins and Crypto
The new gears of the payments system: Fiat, CBDC, Stablecoins and Crypto The global payments ecosystem is undergoing a profound transformation driven by digitization and distributed ledger technology (DLT). Alongside the backbone of fiat money—supported by infrastructures such as RTGS systems, ACH vaults, card networks, and SWIFT messaging—new types of money with distinct functions are […]
Legislative overview
Legislative Overview, Regulation, Taxation Legislative overview 2025: consumer protection, taxation, and new regulatory frameworks As we have mentioned in previous publications, the European financial environment is undergoing structural change. EU institutions are promoting an ambitious regulatory agenda aimed at strengthening the competitiveness, transparency, and sustainability of the financial system. Initiatives such as the Listing Act, […]
Data Governance
DataGovernance, DataManagement, FinancialSector Data Governance: the key to transforming data into reliable decisions In a recent Gartner study, more than 80% of financial organizations acknowledge that the quality of their data limits their ability to make decisions. This data reflects a common challenge: information abounds, but it is not always managed correctly. This is where […]
Investing in market data: a new and constantly evolving ecosystem
Investing in market data: a new and constantly evolving ecosystem In any area of life, information is power. In the financial world, this power translates into market data: trading volumes, statistics, opening and closing prices, spreads, trends—anything that allows for a near-real-time snapshot of the global economy. Investing in data: competitive advantage and technological evolution […]
Legislative View 2025: Digitalization, Sustainability, and Financial Regulation
Legislative View 2025: Digitalization, Sustainability, and Financial Regulation Digital transformation has redefined the way we interact with financial services. Today, millions of people access banking products, make payments, invest, and even manage their assets from a mobile app. This evolution has given rise to a more agile, inclusive, and diverse financial ecosystem, with new consumers, […]
Innovation and adaptation: the digital transformation of financial market infrastructures
DigitalTransformation, InfrastructureMarket Innovation and adaptation: the digital transformation of financial market infrastructures Today, we live in an increasingly interconnected world, which has driven the updating and transformation of the systems, processes, and structures that make up the financial system. This evolution has led to the modernization of Financial Market Infrastructures (FMIs), which play a fundamental […]
T+1 and the path to instant settlement
KeyProcesses, SettlementCycles T+1 and the path to instant settlement Settlement cycles are undergoing an unprecedented transformation: in 2024, seven markets representing a total capitalization of $59 trillion have reduced their settlement time by 83%. This fundamental shift toward T+1 settlement cycles marks the beginning of a new era in global financial markets. Moreover, 94% of […]
The importance of real-time data for strategic decision-making
StrategicDecisions, ImportanceData The importance of real-time data for strategic decision-making Real-time data has become an essential resource for decision-making in every field, from business to social and technological. Having immediate access to accurate information allows organizations to adapt quickly to changes, identify opportunities for improvement, optimize processes, and respond effectively to unforeseen situations. To fully […]
The importance of methodological control for regulatory compliance
MethodologicalControl, FinancialRisks The importance of methodological control for regulatory compliance Global financial crises, such as the 2008 crisis, have left an indelible mark on the global financial system, highlighting deficiencies in risk management practices and the lack of clear laws governing the banking sector. In response to these events, financial regulation has evolved significantly, increasing […]