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Filtered by Digital Payments — 54 articles

John Winchcombe

12 April 2026

3 min read

Realising the Promise of Stablecoins is Uncertain

Franklin Noll of the Federal Reserve Bank of Kansas City has looked at where stablecoins are held and how they are used in the financial ecosystem in a Payments System Research Briefing.

Digital Payments

John Winchcombe

27 March 2026

4 min read

When More May be Less

In 2023 in Canada digital payments accounted for 87% of total payment volume. Their uptake is only likely to rise as new ways of payment are invented. On top of open banking, faster payments, variable recurring payments, digital tokens, blockchain-based infrastructure etc. we can already see use cases build around programmability, possibly machine-to-machine payments driven by Artificial Intelligence (AI) and more.

Digital Payments

John Winchcombe

6 March 2026

5 min read

The Power of Wallets, Open Banking, Real Time Payments and QR Codes

Here we look at two revolutions going on in payments. The first, QR codes, is well underway. The second, Variable Recurring Payments, is getting going. Both build on the modern payment infrastructure of open banking, real time payments and wallets.

Digital Payments

Guillaume Lepecq

27 Feb. 2026

7 min read

UK Banks Plan to Set Up a Domestic Card Scheme

UK banks have announced plans to create a domestic alternative to Visa and Mastercard, aiming to reduce dependence on US payment networks and enhance financial resilience. This initiative is part of a broader global trend toward monetary sovereignty, accelerated by the election of Donald Trump and geopolitical tensions. The future of payments is expected to be hybrid, with cash playing a crucial role alongside digital innovations.

Digital Payments

John Winchcombe

28 April 2025

5 min read

M-Pesa: Showing the Way at 18

This year Microsoft turns 50. Amazon is just over 30, Meta is 21 and the iPhone is just 18. Another organisation turning 18 this year, one that has had a major impact on payments, is M-Pesa. Payments:Unpacked recently ran an article from Jeremy Light’s Agenda:Payments newsletter2 celebrating M-Pesa’s milestone birthday.

Digital Payments Free Free

John Winchcombe

28 April 2025

5 min read

Gaming: a Microcosm of Payments

The Federal Reserve Bank of Kansas City has published an article on the evolution of video game payments infrastructure. As gaming has become big business, companies have changed how they monetise and distribute games to their customers, as well as adapted and evolved their payments infrastructure to support new revenue models. Changes in gaming payments represents a microcosm of what is happening in payments more broadly.

Digital Payments

John Winchcombe

26 March 2025

3 min read

Removing Digital Barriers for Accessibility

We live in a digital age. But not everybody finds that easy. A recent paper by the Bank of Canada explores some of the challenges that digital systems create. Its conclusions are important for anybody working on digital interfaces and systems, not just those focused on digital payments.

Digital Payments

David Fagleman

28 Jan. 2025

5 min read

Introducing the Universal Access to Payments Index

The first quarter of the 21st century has witnessed a major change in payments across the world. Many payments traditionally made in cash have been replaced by frictionless and convenient options that eventually become widely accepted and change consumer payment behaviour.

Digital Payments

John Winchcombe

14 Oct. 2024

2 min read

An ABC (and D) of Mobile Banking

Mobile banking allows people to manage financial services via their smartphones. No wonder it is the fastest growing banking channel, with big implications for traditional options such as bank branches.

Digital Payments

John Winchcombe

22 Aug. 2024

2 min read

Colombia Builds Bricks of Digital Payment Infrastructure

The World Economic Forum has recently published an article describing Colombia’s work to create Digital Public Infrastructure (DPI), a key element of which is interoperable digital payments.

Digital Payments

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John Winchcombe

20 Aug. 2024

3 min read

The Impact of Tokenisation

David Birch has written about the presentation made by Sarah Breeden, Deputy Governor at the Bank of England, at the Swiss National Bank’s event ‘Towards the future of the monetary system’. In it she described two waves of benefits from tokenisation. In the short term it will bring greater efficiency to the existing payment and settlement system. In the longer term she sees radical change to post-trade processes.

Digital Payments

John Winchcombe

30 June 2024

5 min read

Titanic Struggle Over Consumer Protection and Market Dominance

It appears that payment stakeholders in the US and UK are seeking to pass laws and take legal action to address a perceived lack of competition in the digital payment arena. In the last few weeks, there have been a series of reports detailing legislative, regulatory and court developments in this area.

Digital Payments Free Free

John Winchcombe

18 April 2024

5 min read

Digital Payments Need Discipline

The rise of cashless payments has raised the concern that some consumers will be induced to spend beyond their means. As monthly income is spent over the course of a month, if consumers are aware of their reducing balance, they are likely to constrain their spending. The Swiss National Bank has published a paper that explores differences in how freely people spend between people who pay in cash and digitally and how their awareness of their balances affects their cash management.

Digital Payments

John Winchcombe

18 April 2024

3 min read

Consumer Complexity and Digital Payments

The authors of a new European Central Bank (ECB) working paper have used data from the ECB’s Consumer Expectations Surveys (CES) to study cashless payments in everyday situations and the use of mobile banking apps in the euro area.

Digital Payments

John Winchcombe

26 March 2024

3 min read

Impact of Mobile Money in a Remittance Society

A study of the use of mobile money in Bangladesh gives a new perspective on how it differs from other payment methods.

Digital Payments

John Winchcombe

25 Feb. 2024

1 min read

Click to Pay in Czech Republic

In a push to advance cashless transactions, four Czech banks are rolling out a novel solution that lets merchants skip traditional terminals while eliminating the need for customers to pay in cash.

Digital Payments

John Winchcombe

20 Feb. 2024

5 min read

The Role of Technology in Changing Payment Landscapes

This article provides summary of how payments are changing as technology changes and is adopted. Also, an update on AI ‘watermarking’.

Digital Payments

John Winchcombe

20 Feb. 2024

2 min read

Financial Inclusion or Payment Inclusion?

Dr Franklin Noll, a payments specialist who works as a Lead at the Federal Reserve Bank of Kansas City, has posted in LinkedIn an interesting piece on financial / payment inclusion. He has expressed his own opinions, not those of the Federal Reserve Bank.

Digital Payments

John Winchcombe

20 Dec. 2023

2 min read

Reliability of Payment Networks Under the Spotlight

We report all too frequently on payments system failures – see the end of this article for a recent example. But it is interesting that the Governor of the Reserve Bank of Australia (RBA) has recently chosen to draw attention to the performance and reliability of Australia’s new payments platform (NPP), particularly noting the need and priority of improving the ‘resilience of Australia’s payments and market infrastructure’.

Digital Payments

John Winchcombe

20 Dec. 2023

3 min read

PSR Recommends Payment Fee Cut

In addition to the British Retail Consortium providing detailed information on the cost of payments in the UK, the Payment Systems Regulator (PSR) has recommended a cap on cross-border interchange fees, following its market review of the fees.

Digital Payments

Latest News

Realising the Promise of Stablecoins is Uncertain

When More May be Less

The Power of Wallets, Open Banking, Real Time Payments and QR Codes

UK Banks Plan to Set Up a Domestic Card Scheme

M-Pesa: Showing the Way at 18

Gaming: a Microcosm of Payments

Removing Digital Barriers for Accessibility

Introducing the Universal Access to Payments Index

An ABC (and D) of Mobile Banking

Colombia Builds Bricks of Digital Payment Infrastructure

The Impact of Tokenisation

Titanic Struggle Over Consumer Protection and Market Dominance

Digital Payments Need Discipline

Consumer Complexity and Digital Payments

Impact of Mobile Money in a Remittance Society

Click to Pay in Czech Republic

The Role of Technology in Changing Payment Landscapes

Financial Inclusion or Payment Inclusion?

Reliability of Payment Networks Under the Spotlight

PSR Recommends Payment Fee Cut

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