A retail digital euro released into a complex financial system could become a ‘liquidity vampire’ if severe stress erupted in the banking system. But if soundly designed it could also bring many benefits.

Financial swindling is increasing at a global level, with certain country exceptions, though new machine-learning technologies are proving key in the fight against fraud.

Payment in cryptocurrency is becoming increasingly common, but even with the existence of stablecoins, it is not without its risks.

The core purpose of ATMs is to allow the withdrawal of physical cash on a 24/7 basis. However, much of the globe is moving to cashless forms of payment. Is this the end of the road for ATMs, or will they further evolve?

Consumers now have access to real-time payments through the PayTo system, with business access to follow, generating a host of advantages.

The preference for a digital-first approach is becoming increasingly widespread among bank customers. Can traditional banks keep up with fintechs?

The bank has built its corporate and institutional business around key areas such as serving funds and supporting clients with ESG strategies, explains the group executive David Gall.

There are good reasons for most countries to improve cross-border payment efficiencies, though that desire is complicated by technical and legal issues. But new forms of digital money potentially open up some interesting new channels.

The markets are entering a period of disruption, both positive and negative, but ICMA chief executive Bryan Pascoe believes they can weather the storm and adapt in key areas.

Demand for gold-backed payments is on a sharp upward trend as customers look for stability, with regulators’ attention likely to draw in.