Is There Room for Stablecoins and Tokenized Deposits?
Stablecoins are having a moment, growing to multiple hundreds of billions in circulation, with national governments, crypto entities, and traditional financial institutions all testing the waters. As such, stablecoins have been entered into a sort of competition with tokenized deposits, which are digital tokens representing deposit claims on the bank, recorded on a programmable ledger. […]
Why Is the Digital Euro Taking So Long to Develop?
The digital euro, first proposed in 2020, is now looking at a potential launch date of mid-2029. “The middle of 2029 could be a fair assessment,” European Central Bank Executive Board member Piero Cipollone said this week. “We should arrive at a general approach, as they call it, an agreement among member-states by the end […]
UPI Strengthens Global Payments Dominance
The National Payments Corporation of India (NPCI) handles almost half of the world’s digital transactions, primarily through its Unified Payments Interface (UPI) platform, and its reach continues to expand. According to India Today, there were just over 20 billion UPI transactions in August alone—far surpassing Brazil’s formidable real-time payments system, Pix, which processed roughly 6 […]
Left to Their Own Devices: How Digital Services Drive Banks’ Revenue Growth
Is the banking industry facing a digital revolution, or has it already happened? Research shows that 60% of bank customers prefer digital-first interactions, yet many banks have not made enough of their services available digitally. This gap leaves the door open for fintechs to engage customers and prospects directly on their mobile devices. There are […]
Holiday Research 2025: Why Gift Cards Continue to Rule the Season
WEBINAR Holiday Research 2025: Why Gift Cards Continue to Rule the Season October 9, 2025 1:00 pm EDT [contact-form-7] As the holiday season approaches, gift cards remain the most requested gift for 18 years running—but what’s driving their enduring popularity? Join our panel of experts as they share insights from BHN’s 2025 holiday research, exploring […]
UK Regulator Calls for More Efficient Analysis of AI-Provided Data
One of artificial intelligence’s key strengths is its ability to spot anomalies—a functionality that Bank of England Governor Andrew Bailey said banking regulators aren’t fully leveraging. Bailey called for greater investment in AI and data analysis, despite the substantial investment many central banks have already made in the technology. The regulator noted that in many […]
Subscribers Want Control Before Signing Up
As the subscription model becomes a mainstay of the consumer economy, users are becoming more discerning about what they sign up for. In fact, many are now hesitant to subscribe to a service unless they know they can easily cancel it. According to research from Chargebee,82% of respondents said they were more likely to subscribe […]
Global Payment Orchestration = Redundancy, Options, Profits, Happier Customers
The correspondent banking model, which has dominated cross-border payments for years, is—at best—a deeply flawed system. It relies on manual processes, after-the-fact audits, and “trust” in foreign banks’ compliance, despite regulators confirming only 0.0001% of transactions are ever reviewed. And the ability to make a cross-border payment is critically dependent on correspondent banks – their […]
Banks That Actively Fight Fraud Retain Their Customers
As bank fraud continues to grow, it’s more important than ever for financial institutions to be proactive in fighting it. Research shows that when banks make a clear effort to identify and catch the criminal, customer loyalty improves—even among those who were directly affected by fraud. When a bank can’t tell a victim who was […]
Visa Aims to Mitigate Fleet Management Obstacles
The payments and expense process in fleet operations has long been a pain point—one that Visa aims to solve with its Fleet 2.0 platform. For companies managing large-scale fleets, lost or misused cards can be a significant financial drain. What’s more, the reporting process—often-manual—has been a constant source of frustration for drivers. According to Visa, […]