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USDC just became the EU’s first significant e-money token. From 12 November, Brussels supervises the reserves, and the annual review means it won’t be the last.

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Western Union and dLocal Open Wallet Payouts in Cameroon

Western Union will now pay remittances directly into mobile wallets across parts of Africa through the infrastructure of dLocal (NASDAQ: DLO), starting with a live corridor in Cameroon. The move extends a partnership that until now covered only the collection side of cross-border transfers, and it gives Western Union a faster route to deliver money in a market where most recipients rely on mobile money rather than bank branches. dLocal supplies the technology and connectivity

FinanceX is an official Media Partner to the 27th NextGen Payments & RegTech Forum 2026

FinanceX Magazine is proud to announce its partnership as an official media partner of the 27th NextGen Payments & RegTech Forum, taking place on 19 November 2026 at the Four Seasons Hotel in Limassol, Cyprus. Organised by QUBE Events, this one-day forum sits at the crossroads of payments, compliance, RegTech and artificial intelligence, convening leaders from Cyprus, Europe and beyond. Building on the success of the 2025 edition, the 2026 Forum brings together banks, EMIs, P

AI in AML Screening: Adoption Is Wide, Impact Is Not

New Ripjar research of 400 compliance leaders finds 84% are worried about AI-enabled financial crime, yet only 28% have fully deployed AI to counter it. Financial institutions have rolled out AI in AML screening far faster than they have made it count. Research published on 15 October 2026 by Ripjar, a UK financial-crime screening firm founded in 2013 by former GCHQ technologists, finds that 84% of senior compliance leaders are concerned about AI-enabled financial crime, whil

Stripe Buys Parafin, FedEx Pipes Shipping Data Into Credit, and SME Lending Quietly Reinvents Itself

Stripe is buying Parafin, FedEx and Stripe are turning parcel data into credit signals, ID Finance pulled in 545 million euros for Plazo, and PropTech tokenisation stack grew. Here is why SME lending just rewrote its own rules.

BingX EU Wins MiCAR Licence, Joining Austria's Crypto Hub

BingX EU has secured a MiCAR licence from Austria's Financial Market Authority (FMA), giving the exchange a regulated base to passport crypto services into 29 European Economic Area countries once it begins trading there. The authorisation, announced on 14 October 2026, registers BingX EU as a crypto-asset service provider, but it lands more than three months after the European Union's hard licensing deadline and leaves the exchange still preparing to switch on its regulated

Open Banking Grows Up Again: PSD3 Edges Closer, BaaS Picks a Lane, and the Core Vendors Keep Winning

As of this week, Thought Machine's commercial momentum, 10x Banking's fresh capital, and Mambu's agentic AI play are turning core banking modernisation from a slide-deck ambition into a procurement line item. BaaS, meanwhile, is quietly consolidating around the providers who can spell DORA. For roughly a decade, "core banking modernisation" sat somewhere between a procurement joke and a vendor pitch. This week it looks different. The regulation is tightening, the vendors are

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CONTRIBUTORS & INTERVIEWS

Location, Location, Location: The Signal Fraud Struggles to Fake

An interview with André Ferraz by Sean Murphy The property trade has a mantra, that the three things which determine the value of a home are location, location and location. It has always described houses. It now describes, in André Ferraz's account, one of the more effective tools in the fight against online fraud, although the benefit of location is probably not what you expect. André Ferraz is the co-founder and chief executive of Incognia, a company that sells fraud detec

Beyond Banking: Embedded Finance, Open Banking and the ESG Data Gap

By Piotr Glapiński, Attorney at law, Senior Counsel at Dudkowiak & Putyra Distribution Is Changing Faster Than the Data Behind Sustainability Claims For decades, a bank was a place customers went to. Increasingly, it comes to them, often under another company's brand: credit appears at an online checkout, insurance is sold alongside a purchase, and licensed third parties can read payment account data. Banks are also expected to show that the money they lend and invest support

When AI Becomes the First Conversation: Rethinking How Fintechs Buy and Sell

By Koen Vanderhoydonk, CEO at The Connector. Something is changing in how fintechs sell, and how buyers buy I have spent a lot of time speaking with fintechs, technology providers and people on the buying side of the market. What I am seeing is not simply another shift in digital marketing or another new sales tool. AI is starting to change the conversation itself. The traditional journey was relatively straightforward. A buyer identified a problem, searched the market, visit

What Should Be in a Startup Data Room?

By John D. Evans, CFA, Founder & General Manager at SEIML Most early-stage startups don’t prepare a proper investor data room until investors ask for it. By then, the fundraising process has already slowed down. One of the fastest ways for a Founder to build credibility with investors is a well-organised data room. Yet many early-stage companies overlook it until the fundraising process is already underway. That usually creates unnecessary friction. A well-prepared data room

Europe’s Next Energy Frontier Is Above Us

By Jasper Deprez, Founder & CEO at TerraSpark Space-based solar power sounds like an enormous technological bet. The more interesting question for finance may be whether we can turn it into a sequence of investable ones. Imagine collecting solar energy in space and transmitting it wirelessly to Earth, wherever it is needed. A factory in Germany. A data centre in Luxembourg. An island thousands of kilometres from the nearest power plant. The idea is called space-based solar po

Where the Toll Booth Goes Next

By Arunjay Katakam, Author For years, I argued that open financial infrastructure would make moving money cheaper. Remove the unnecessary intermediaries, settle faster, release the capital trapped in correspondent accounts, and the savings would reach the people making the payments. I still believe much of that. What I no longer believe is that removing an intermediary necessarily removes its margin. Money is becoming software, and the question is what that does to everyone w

A Video is Worth a Thousand Words

An interview with David Morrica by Sean Murphy A wealth adviser will happily talk for two hours across a lunch table, build a relationship over decades, and read a client's mood without thinking about it. Put the same person in front of a camera and they clam up. David Moricca has seen this happen enough times to treat it as the central problem of his business rather than a quirk. Being conversational with someone in the room is one thing; recording alone, with no one to reac

The Prediction Is the Easy Part

An interview with Eva Narunovska by Sean Murphy Sophisticated forecasting has always been something you bought with scale. Predicting which customers will leave, which deals will close and what to do about it took a team of data scientists and engineers, the kind of function a large bank could staff and a company of two or three hundred people could not. Eva Narunovska's argument is that this is the thing AI has quietly changed. As chief executive and co-founder of Forse AI,

When a Hundred Thousand Books Change Hands

An interview with Vineet Mohan by Sean Murphy A large part of the American wealth industry is about to change hands. Cerulli Associates expects more than a hundred thousand financial advisers to retire over the next decade, around 37 percent of the industry's headcount and 41 percent of its assets. Behind each of them sits a book built over thirty or forty years and every one of those books will have to move to someone else, whether there is a clearly defined process for movi