Analysis


What is the future of digital cash?

The recent World Economic Forum (WED) report “Sweden could stop using cash by 2023″, says that the country is moving towards favouring cards and mobile payment apps. Yet retailers are expected to accept cash for at least a couple of years afterwards.

The missing link: the supply side of cryptocurrency

Supply and demand are the bedrock of market-based economics. To achieve economic equilibrium, supply and demand must be in balance. If one is too high or too low, the system is in a state of disequilibrium, associated with inefficient allocation of goods – not a healthy state.

Using the web to access online banking? Who is protecting the browser side?

To date, there hasn’t been a way to understand if online users are being compromised or to be sure precisely what they are seeing whilst visiting and interacting with a web page. We know that endpoint security and anti-viruses fail and online users can be infected even with all the precautions that they may take. Server-side security is now very mature and excellent progress has been made in that particular field.

Bankers and retailers – will we see roles switch? Or simply morph into a single discipline?

Technology is having a tremendous impact on the way communities shop so changes are more or less expected as we see these shopping mall operators push back on so many dire predictions being made about them. But can they change and yes, could these changes lead to a greater overlap with banking as it exists today? Do we even need differentiation between the two and yes, will they both be able to keep us satisfied when it comes to access to our cash?

Debunking six myths on regulatory sandboxes

We are living through a period of unprecedented innovation in finance, and regulators know they need to adapt to keep up with the fast pace of change. To understand and manage the risks posed by new products, services, and business models, many financial authorities are setting up regulatory sandboxes or reglabs.

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