RESEARCH
Discover our latest research.
Original whitepapers produced with industry partners, built on surveys, roundtables, and interviews with the senior executives shaping financial services.
PAYMENTS · WITH CENTIGLOBE
The real pace of change in alternative payment rails
Everyone's talking about stablecoins and tokenized deposits, but who's actually using them? FinanceX Magazine teamed up with Centiglobe to find out, surveying more than 50 senior executives across banks, fintechs, and payment providers on how they're really approaching alternative payment rails for cross-border transactions.
The results paint a clear picture: interest is high, but action is lagging. Institutions are exploring these new models at very different speeds depending on their size, sector, and risk appetite — the research digs into exactly where momentum is building, where it's stalling, and what needs to change before alternative rails go mainstream.
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ARIFICIAL INTELLIGENCE · WITH DXC TECHNOLGIES
Agentic payments: trusted autonomy in commerce
Payments are leaving human hands. Software agents now search, decide, and settle on behalf of the people and businesses they serve, and machines are increasingly paying other machines, at speeds no person could supervise. FinanceX Magazine teamed up with DXC Technology to examine that shift and the architecture being built to keep it trustworthy.
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The central argument: payments are moving away from rails and toward trust. Drawing on a private roundtable of senior banking, payments, and regulatory voices in Brussels, the paper maps where value will appear first, where the risks lie, and what payments leaders should do now while the standards are still forming. The prize isn't autonomy, it's trusted autonomy — and the difference is the whole of the work.
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MARKET RESEARCH · WITH THE CONNECTOR
The expansion blind spot: why ignoring Europe could cost you big
​For years, global fintechs treated the U.S. as the default destination for growth. That assumption is starting to look expensive. As American markets face heightened regulatory scrutiny, volatile funding, and a patchwork of state-by-state rules, Europe has become one of the most compelling expansion opportunities in fintech — often ahead of the U.S. itself.
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The numbers tell the story: while worldwide fintech investment fell in 2024, European investment rose. Europe now hosts a market estimated at around €3.6 trillion in transaction value, thousands of active fintech companies, and hundreds of unicorns backed by near-record levels of investor capital. This whitepaper lays out Europe's advantages across market size, regulation, ecosystem, consumer adoption, talent, timing, and regional dynamics.