Disruptions in Large-Value Payment Systems: An Experimental Approach
In 2008, TARGET2 settled a daily average of EUR 3.126 billion in value with 348,000 transactions.
Payments Reports & Market Data (2026)
248 documents
AI & FinTech-Driven Transformation of the Indian Financial Management System: An Empirical Study of Digital Payments, Blockchain Technology, & Cryptocurrency
The study establishes a conceptual framework linking FinTech adoption, digital payments, AI-enabled services, consumer trust, and financial inclusion in India [p.1].
Generation Z's Intention to Use Islamic FinTech: Extending UTAUT with Personal Innovativeness
Generation Z represented 27.94% of Indonesia's total population in the 2020 Population Census.
Challenges and Opportunities of Using Digital Currencies in Ukraine's Recovery: Impact on Human Rights
Between 2022 and 2024, the UN World Food Programme's Building Blocks blockchain system was utilized in Ukraine by 65 organizations to coordinate aid distribution, preventing duplication and saving 67 млн дол. США.
Competition Is Not Enough: Hayek's Denationalization of Money at Fifty
F. A. Hayek was awarded the Nobel Memorial Prize in 1974 jointly with Gunnar Myrdal, less than two years before the Institute of Economic Affairs published his monetary proposal in October 1976.
Deep Transformer Architectures for Real-Time E-Payment Fraud Detection Under Class Imbalance
Global losses from electronic payment fraud are estimated to reach around USD 48 billion globally by 2025.
Stablecoin Travel Rule in 2026: $1,000 vs $0 Thresholds and the Pay-or-Pass Check
Under the FATF Travel Rule baseline, VASPs are required to exchange originator and beneficiary identity data for cross-border transfers exceeding USD/EUR 1,000.
The Influence of Financial Literacy on the Business Performance of Gold and Silver Jewelry Micro-Businesses with Financial Technology (Fintech) as a Mediating Variable in Mataram City
The research surveyed 100 respondents consisting of owners or financial managers of gold and silver jewelry micro-businesses in Mataram City.
Digital RMB 2.0 and the Transformation of the Real Economy: A Case Study of Agricultural Bank of China
On December 31, 2025, six major state-owned banks announced interest payments on real-name digital yuan wallets at demand deposit rates, establishing the Version 2.0 era effective January 1, 2026.
Comparison of the Role of Financial Inclusion, Financial Technology, and Institutional Quality on the Growth of MSMEs in Indonesia and Malaysia
Indonesian MSMEs expanded from 62,922,617 units in 2017 to 64,194,057 units in 2018, reflecting a growth rate of 2.02%, and reached 65,465,497 units in 2019.
Examining the Digital Products and Technologies Currently Being Used by Commercial Banks in Resource-Constrained Environments: A Case of Uganda
Only 39% of the banking population in Uganda actively engages in digital banking services despite electronic banking being introduced in 1997.
Open Banking Service Development Strategy to Enhance Digital Ecosystem Collaboration
As of June 2024, transaction values processed under SNAP reached IDR 3,069 trillion across 6,217 million transactions.
Islamic Banking Innovation: Addressing Fintech Challenges Through Blue Ocean Strategy
Fintech investment in the Asia-Pacific region grew to almost US$3.5 billion in 2015, highlighting rapid digital transformation.
Algorithmic Credit Scoring and Financial Inclusion: A Theoretical Framework of Information, Exclusion and Over-Indebtedness in Digital Lending Markets
In Malawi, digital loan borrowers faced borrowing terms of ten per cent over fifteen days, where financial literacy training failed to improve timely repayment rates.
Fintech, Remittances and Development: A Theoretical Account of How Digital Transfer Infrastructures Reshape the Cost, Direction and Developmental Use of Migrant Money
Literature searches were conducted in October 2026 focusing on peer-reviewed research published between 2023 and 2026.
Drivers and Barriers to Artificial Intelligence Adoption in the Banking Sector: Evidence from Cambodia
Cambodia's banking sector total industry assets reached $100.2 billion USD, customer loans totaled $63.7 billion USD, and customer deposits reached $64.2 billion USD.
Exploring the Impact of Central Bank Digital Currencies on Global Financial Systems
Higher CBDC Readiness Index scores positively correlate with financial inclusion (β = 0.0042, p < .001).
Multilingual Artificial Intelligence for Classifying Ethiopian FinTech User Reviews
The initial dataset collection gathered 8,387 records from 27 Ethiopian FinTech applications, yielding 7,148 records after quality control procedures.
Product Innovation in Strengthening Competitive Advantage: Insights From M-Pesa
The global fintech market was valued at $340.10 billion in 2024 and is projected to reach $1,126.64 billion by 2032.
Digital Financial Literacy, Financial Technology Adoption, and MSME Financial Management on Financial Well-Being
MSMEs in Indonesia comprise more than 65 million business units, contributing around 61% to national GDP and absorbing up to 97% of the national workforce.
The Digital Heir: How Next-Generation Successors Experience AI- and FinTech-Enabled Succession in Family Firms
The worldwide share of family businesses is around 80%, with only 30% making the transition from the first to the second generation and only 15% reaching the third generation.
A Real-Time Tax Compliance Architecture for VAT Split Payments with Making Tax Smart and Open Banking
The UK tax gap deprives vital public services of approximately £46.8 billion in revenue annually.
Financial Technology (FinTech): A Strategic Analysis of Global and Egyptian Markets
Egyptian FinTech investment is projected to increase from $15M – $20M in 2020 to $350M – $600M in 2025.
Modern Problems and Results of Digitalization in the Russian Banking Sector
Personnel accounts for 46% of IT expenses in TOP 10 banks in 2025, whereas software and licenses represent 40% of IT spending for banks ranked 51 to 100.
The Growth of Crypto Assets and Its Impact on CBDC Design and Central Banking Roles: Evidence from Indonesia
Crypto transaction value in Indonesia experienced significant growth, expanding by 335.91 percent annually to 650.61 trillion rupiah
Assessing the Impact of Digital Business Models on the Performance of Commercial Banks
By the end of 2025, TBC Uzbekistan's ecosystem reached 23 million registered users, while Uzum services exceeded 20 million monthly users.
Governing AI and Blockchain in Finance: A Layered Trust Framework
Total tokenized assets reached $346.1 billion across 47 asset classes in September 2026, with stablecoins comprising 86% of the total.
The geoeconomic impact of stablecoin use as a means of payment by state and non-state actors (2022–2026)
Total costs for stablecoin cross-border remittances range between 0.5% and 3.0%, compared to 9.50% for traditional banking channels.
The Impact of the Transformation of Central Bank Digital Currencies (CBDC)-Based Global Payments on the Financial Efficiency of Multinational Corporations
Global cross-border payment transactions are projected to expand from over $150 trillion in 2017 to more than $250 trillion by 2027.
The Risks of Institutional Failure Within a Cashless Society
Digital payment adoption reduces transaction costs and administrative duties, but introduces risks of resource centralization without institutional checks [p.1].