RS Insights

From Friction to Flow: DLT and Tokenization Are Changing Global Money Movement

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RS Insights

Seamless Cross-Border Payments: Solving Interoperability Challenges in a Globalized World

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RS Insights

Mitigating Security Risks in Instant Payments

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Ensuring Performance Under Pressure in Real-Time Payments

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Top Trends Shaping the Next Generation of Payments

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Securing Real-Time Payments in Europe's Instant Payments Landscape - Adapting to the Instant Payments Regulation (IPR) in Europe

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Go-Live with Confidence: The Real-Time Payments Testing Playbook

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Facilitating Seamless Integration in a Diverse Payment Ecosystem

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The Critical Role of Testing in Real-Time Payments

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RS Insights

Open Payments – Driving Economic Growth

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July 9, 2025

From Friction to Flow: DLT and Tokenization Are Changing Global Money Movement

Tokenization and Distributed Ledger Technology (DLT) are transforming cross-border payments, brin...
June 17, 2025

Seamless Cross-Border Payments: Solving Interoperability Challenges in a Globalized World

Cross-border payments are at a tipping point. While the volume of global transactions continues t...
June 13, 2025

Mitigating Security Risks in Instant Payments

Real-time payments: speed demon or security nightmare? The rapid pace of instant transactions has...
June 9, 2025

Ensuring Performance Under Pressure in Real-Time Payments

Is your real-time payment system ready for peak demand? Speed is promised, but sustained performa...
June 5, 2025

Top Trends Shaping the Next Generation of Payments

The Payments Canada Summit 2025 brought together innovators, industry leaders, and change-makers ...
June 3, 2025

Securing Real-Time Payments in Europe's Instant Payments Landscape - Adapting to the Instant Payments Regulation (IPR) in Europe

The Instant Payments Regulation (IPR) ushers in a new era of real-time euro-denominated payments ...
May 16, 2025

Go-Live with Confidence: The Real-Time Payments Testing Playbook

Real-time payments don’t allow second chances. In an always-on, high-stakes environment, ev...
May 12, 2025

Facilitating Seamless Integration in a Diverse Payment Ecosystem

Real-time payments are exploding, but a fractured ecosystem of banks, fintechs, and providers cre...
May 5, 2025

The Critical Role of Testing in Real-Time Payments

In the lightning-fast world of real-time payments, a single failure can shatter trust. Traditiona...
April 22, 2025

Open Payments – Driving Economic Growth

The future of payments lies in openness and inclusivity. Traditional real-time payment infrastruc...
February 19, 2025

Real-Time Payments, Real-Time Threats: Fortifying Financial Systems to Stop Fraud in its Tracks

As instant payments revolutionize financial ecosystems, fraudsters are exploiting real-time rails...
February 14, 2025

Key Considerations for Payment Network Modernization

Legacy payment networks are struggling to keep pace with real-time transactions, security demands, a...
February 10, 2025

Next-Generation Fraud Risk Management: Innovations for a Secure Payment Ecosystem

As digital payments grow, so do fraud threats—becoming more sophisticated, AI-driven, and faster t...
January 8, 2025

Simplifying Complex Invoices: AI-Powered Bill Summarization using GPT Models

Confused by dense, multi-page bills filled with obscure terms and fine print? You're not alone. Trad...
January 6, 2025

Smart Contracts: Transforming Billing and Payments in B2B

The complexities of B2B billing—ranging from multi-party agreements and cross-border transactions ...
December 18, 2024

Payment Orchestration - Enhancing Efficiency in the Evolving Payments Landscape

As the digital payments landscape evolves rapidly, financial institutions face mounting complexities...
December 3, 2024

Gen AI-Assisted Copilot for Risk Analysts in RS IntelliEdge™

As digital payments grow, so does the sophistication of fraud, challenging risk analysts with escala...
November 28, 2024

Pay by Bank - The Future of Frictionless Payments

In an era of rapid digital transformation, the payment landscape demands innovation that is fast, se...
October 23, 2024

Harnessing Embedded Payments

How are companies like Uber and Amazon using embedded payments to revolutionize customer experiences...
October 14, 2024

Safeguarding Real-Time Payments Infrastructures - The Imperative for Advanced Fraud Risk Management in Banks

As real-time payments grow worldwide, fraudsters are becoming more sophisticated, exploiting vulnera...
October 14, 2024

Confirmation of Payee Strengthening Consumer Trust in Digital Payments

In today’s rapidly evolving digital payment landscape, rising Authorized Push Payment (APP) fraud,...
September 25, 2024

FRM for Central Infrastructures - Key Considerations

As real-time payment systems expand globally, preventing fraud across multiple payment rails becomes...
August 2, 2024

Configuring React UI with Dynamic Backend URL

In the fast-paced world of web and mobile app development, flexibility and adaptability are key....
July 12, 2024

EBA Day 2024: Key Highlights and Insights

EBA Day 2024, held in Lisbon, Portugal, on June 18-19, proved to be a highly engaging and valuable e...
June 6, 2024

Navigating the Impact of APP Fraud on the Digital Payment Landscape

In our previous blog, we explored the emerging threat of Authorized Push Payment (APP) fraud. Today,...
May 31, 2024

Unveiling the threat of Authorized Push Payment (APP) fraud

Authorized Push Payments have emerged as the new frontier of payment fraud, posing unprecedented cha...
May 29, 2024

Enhancing Payment Security: The Case for Centralized Identification and Authentication

Have you ever wondered how many financial institutions hold your KYC information? Banks, credit unio...
May 28, 2024

Revolutionizing Payments: A Deep Dive into Payments Modernization – Part 2

The goal of payment modernization is to bring holistic improvements in the overall functioning of th...
April 29, 2024

Revolutionizing Payments: A Deep Dive into Payments Modernization – Part 1

Payment modernization refers to the systematic overhaul and improvement of existing payment systems,...
April 21, 2025

Fighting Financial Crime with Sanction Screening Across Borders edit

Financial crime continues to be a global threat and is expected to rise due to the economic downt...
November 11, 2023

The Collaborative Evolution of Digital Payments - Part 4

Welcome back to our continued journey through ‘Collaborative Finance in a Fragmented World.’ In ...
September 25, 2023

The Collaborative Evolution of Digital Payments - Part 3

Welcome back to our ongoing exploration of “Collaborative Finance in a Fragmented World.”In our ...
September 21, 2023

The Collaborative Evolution of Digital Payments - Part 2

In our last article (the first in this series on ‘Collaborative Finance’ with specific focus on ...
September 9, 2023

The Collaborative Evolution of Digital Payments - Part 1

In an age of rapid technological advancement and intricate financial networks, the theme “Collabor...
June 7, 2023

Redefining Payments: Tracing the evolution of Unified Payments Interface

Old dog, new tricks Unless you have been dwelling in a cave, it’s impossible to escape the mighty...
May 12, 2023

Money Go Round - A Look into PSD2’s Open Banking Payments

From the History Books The date of April 11th holds a special significance in the tech world.On thi...
March 25, 2023

Conversational convergence

A Promise Made It has been almost 5 years since Google first showed off their voice assistant Googl...
March 24, 2023

CBDC – The era of sovereign digital money – Part 4

The Retail Avatar In its retail form, CBDCs are meant to be used by individuals and businesses for ...
March 20, 2023

CBDC – The era of sovereign digital money – Part 3

Interoperability across nations CBDCs can be broadly classified into ‘Wholesale’ and ‘Retail...
March 17, 2023

CBDC - The era of sovereign digital money - Part 2

The promise of a better world Meta’s Diem initiative was abandoned in January 2022, but it will f...
March 15, 2023

CBDC - The era of sovereign digital money - Part 1

The dwindling relevance of physical cash It was in 2020 when I first heard about “Anthropophobia...
March 9, 2023

Analysing money flow with the AML assist tool

Fraud and Risk Management (FRM) platforms use link analysis to understand how the money flows. In th...
February 16, 2023

The curious case of the ‘Stable’coins!

Pop goes the weasel In May 2022, Terra’s Stablecoin (UST) lost its peg to the dollar. In other ...
February 7, 2023

Effective management of suspicious transaction alerts

Fraud and Risk Management (FRM) platforms work on the principles of classification of a digital paym...
February 1, 2023

Shared authority between bank and branch

Most fraud and risk management products are built with a single-layer enterprise in mind. For exampl...
January 30, 2023

In-memory profiling at scale

Most rule-based fraud and risk management solutions use certain data elements from digital payment t...
January 27, 2023

Two-way approach to detect fraud

Rule-based filters can detect well-known fraud patterns of payment transactions very effectively. Ho...
January 25, 2023

Need of a multi-channel digital payment FRM solution

Fraud and Risk Management solutions usually focused on single instrument of payment like – card or...
January 23, 2023

Need is to deal with multi-channel digital payment frauds including RTP

Real Time Payment is increasing at rapid pace word wide. 79 nations have already implemented some fo...
January 5, 2023

B2B payments modernization seen as key to surviving looming recession

According to PYMNTS, 25% of B2B payments are still made by cheque, and smaller and midsize companies...
January 3, 2023

Numberless Credit Cards – a growing trend

Mastercard has partnered with UNO Digital Bank to issue digital and physical Debit Mastercard cards ...
December 20, 2022

Worldline announces BNPL for travel payments

Worldline has partnered with leading travel payment provider Fly Now Pay Later and the joint offerin...
December 13, 2022

Tribe Focused Banking

There was a time when the term tribe brought to mind a bow-and-arrow-wielding ethnic community, usua...
December 8, 2022

RBI enhances UPI Mandates and expands Scope of BBPS

In his statement during the Monetary Policy Meeting on December 5-7, 2022, the RBI Governor announce...
December 8, 2022

Rise of the MetaHeads

The Evolution of the Metaverse I was in college when “The Matrix” released. It just blew my min...
November 29, 2022

India to start retail CBDC trials from December 1

After starting the wholesale digital rupee (e₹-W) pilot on November 1st, 2022, RBI is all set to l...
November 28, 2022

Digital Wallets - Security

How secure are Digital Wallets? This is a question that naturally comes to mind as DWs are all about...
November 15, 2022

Digital Wallets - Technology

Digital Wallets are hyper-personal solutions. Hence, a large part of the adoption will be driven by ...
November 10, 2022

JP Morgan and Mastercard launch Pay-by-Bank solution

Pay-by-Bank is an ACH payment that uses open banking. This enables consumers to give permission for ...
November 7, 2022

Digital Wallets: Convenience is King!

The primary driver for Digital Wallet (DW) is Convenience; convenience for mom-and-pop stores to hav...
October 12, 2022

Central Bank Digital Currency - Key Considerations for Adoption

Introduction Central Bank Digital Currency or CBDC today tops the agenda of every Central Bank. Whi...
September 28, 2022

Digital payments impacting everyday life – What must happen to keep them reliable?

Part 4 In Part 1 we had discussed resiliency as the underlying principle that drives the design of ...
September 23, 2022

Digital payments impacting everyday life – What must happen to keep them reliable?

Part 3 In Part 1 we had discussed resiliency as the underlying principle that drives the design of ...
September 20, 2022

Digital payments impacting everyday life – What must happen to keep them reliable?

Part 2 In Part 1 we had discussed about resiliency as the underlying principle that drives the desi...
September 15, 2022

Digital payments impacting everyday life – What must happen to keep them reliable?

Part 1 Principal requirements for mission critical payments infrastructure are: High Availabilit...
August 16, 2022

Are you ready for decentralized Social Media?

Storm in a teacup Over the last 6 months, we have been witnessing one of the greatest corporate sag...
April 13, 2022

The ReCommerce Way to Sustainability

On the 50th anniversary of Earth Day on April 22, 2021, thredUP, the world’s largest fashion resal...
February 28, 2022

Innovation in B2B Payments - Racing to catch up with the digital payments revolution

While B2C (retail) payments have seen disruptive and continuing innovation in recent years, moderniz...
February 28, 2022

Looking back at 2021 – How Payments fared as the World Reopened

After a brief appearance in 2003 that was quickly contained, the SARS coronavirus reared its ugly he...
July 5, 2021

Buy Now Pay Later: A Frightening Trend

The disruption in the payments world triggered by the virus scare has provided a huge fillip to Buy ...
March 22, 2021

Digital Overlay Services – New Kid on the Block

The first two decades of the 21st century saw new and disrupting phenomena in the payments ecosystem...
January 19, 2021

Is it time for the Nordics to learn payments innovation from India?

A column published in FinansWatch, by Kristian T Sorensen, Partner in Norfico, emphasizes the releva...
September 30, 2020

Digital Overlay Services – Value-additions to future-proof payments

Businesses, Consumers and all other stakeholders in-between are single-mindedly focused on commerce ...
September 29, 2020

Bill Payments - A disruption waiting to happen

It is generally believed that the smartphone has disrupted society by replacing the simple cell phon...
September 14, 2020

Staying ahead of Real-time Fraud

The last couple of years have seen an unprecedented surge in the demand for digital payments globall...
February 6, 2020

Electronic Bill Payment using E-Mandate

The process of electronic bill payment has its own set of challenges even though it seems to increas...
February 6, 2020

Transformative infrastructure for e-payments

The key concluding events for commerce are invoicing and payments. As nations and regions with count...
February 5, 2020

Bill Payment Network – A digital transformation infrastructure

The Nordic region is perhaps the closest to becoming a cashless society. Cash usage as reported rece...
February 2, 2020

Tokenization: The Future of Payments Security?

Background: The Payment Card Industry Data Security Standard (PCI-DSS) was created to increase co...
December 20, 2019

The Three Facets of Fighting Against Fraud

The fight against fraud for digital payments resides on the 3 vertices – Education, Experience, an...
December 20, 2019

Demystifying Fraud Detection

Worldwide, fraud is manifested typically after payment credentials are compromised. Having said that...
September 10, 2019

Intensifying M&A in the Payments World

In its efforts to keep pace with the value creation needed to meet rising customer expectations, the...

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