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Discover our latest Research
New Research: 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, and the research digs into exactly where momentum is building, where it's stalling, and what needs to change before alternative rails go mainstream.
Download the full whitepaper to read the findings in detail.
Agentic Payments - Trusted Autonomy in Commerce
Payments are quietly 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.
The central argument: payments are moving away from rails and toward trust. What settles a transaction; card, bank account, or stablecoin, matters less than whether an autonomous actor was authorised to initiate it, stayed within its limits, and can be held to account afterwards.
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.
Download the full whitepaper for all the insights.
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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 quietly become one of the most compelling expansion opportunities in fintech, often ahead of the U.S. itself.
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. Its unified regulatory frameworks and supportive policies stand in sharp contrast to the headwinds facing companies stateside.
In this whitepaper from The Connector and FinanceX Magazine, we lay out Europe's advantages across market size, regulation, ecosystem, consumer adoption, talent, timing, and regional dynamics, and make the case for why 2025 and beyond is the moment for fintechs to take the continent seriously.
Read the full whitepaper to see where the opportunity really lies.