Abstract design featuring intersecting purple and orange lines that converge on a black background.

A bright, white light radiates outward, encircled by a vibrant purple aura and set against a dark, starry background.

A person stands with their back to the viewer, gesturing towards a cityscape at dusk, with skyscrapers and buildings silhouetted against a vibrant, multicolored sky.

A bustling city crosswalk at night, filled with pedestrians walking under the glow of tall, brightly lit skyscrapers and vibrant digital billboards.

A nighttime cityscape with a variety of illuminated skyscrapers and buildings. In the foreground, there are roads with light trails, indicating moving traffic.

Two people on bicycles wait at a crosswalk in a city at sunset. Motion blur shows buses and cars moving through the intersection. Tall modern buildings are visible in the background.

Brian Shniderman & Gary Stein 28 Oct 2025

Smarter, not just faster: Unlocking instant payments ROI with vertical overlays

The RTP® network and FedNow® were launched to modernize the U.S. payments landscape, yet adoption remains surprisingly limited. Instant payments still represent just 0.39% of U.S. volume per an Accenture diagnostic study, which will not reach expectations even with a projected 18% compound annual growth rate from 2024 to 2029. The Clearing House, their owner…

Sibos 2025 reveals where the future of money is heading

Each year, Sibos brings together banks, fintechs, regulators and infrastructure providers to discuss the forces shaping money movement. Sibos 2025, held in Frankfurt, marked a turning point where buzzwords like stablecoins, blockchain, interoperability, agentics and AI became practical blueprints for the next phase of global payments. If Sibos 2024 was about modernization, Sibos 2025 was about…

Why cloud and AI are the keys to banking’s long-term growth

Financial institutions are navigating an increasingly complex landscape. Their transformation, powered by cloud computing, artificial intelligence (AI), generative AI (gen AI) and agentic AI, has become essential to their ability to adapt and compete. In our 2025 Banking and Capital Markets Cloud, Data & AI Rotation Index we spoke to executives working with 78 of the…

Agentic payments in commerce—the future is here

Imagine a world where your personal AI assistant can effortlessly find and book flights, manage your budget and even negotiate the best deals on your behalf—all while keeping your financial data secure. This isn’t just a futuristic dream; agentic commerce is already making significant strides with its autonomous capabilities, speed and accuracy of transactions. The…

Is your bank’s board TQ ready?

Technology is reshaping bank boardroom agendas A decade ago, we first studied the technology experience of board members across the banking sector. Since then we have seen digital transformation, fintech, cloud computing, scaled agile and modern engineering practices, and the rise of artificial intelligence and generative AI. Each cycle has presented significant opportunities for banks…

The Digital Euro: A strategic step toward Europe’s monetary sovereignty?

In today’s fast-evolving digital landscape, where payments are becoming faster, smarter, and increasingly fragmented, cash is quietly losing ground. Consumer cash usage in Europe now accounts for only 17%, down from 38% in 2022. What used to be the cornerstone of monetary systems is now a shrinking piece of the puzzle—especially in regions like Europe…