Banking & Payments Bulletin

The Datos Insights Banking & Payments Bulletin is a unique source of expert analysis of key issues spanning retail and commercial banking, including  self-service, digital banking, cards, payments, fraud and much more.

Banking & Payments Bulletin

The Datos Insights Banking & Payments Bulletin is a unique source of expert analysis of key issues spanning retail and commercial banking, including  self-service, digital banking, cards, payments, fraud and much more.

Banking & Payments Bulletin

The Datos Insights Banking & Payments Bulletin is a unique source of expert analysis of key issues spanning retail and commercial banking, including  self-service, digital banking, cards, payments, fraud and much more.

Latest Issues

November 2025

Issue 460

Card Spending in the Americas Shows Steady Growth
Mastering Performance Drivers to Build a Fee Income Edge
MENA ATM Market Defies Global Decline With Continued Growth;
Recognizing Innovation Leaders Across Financial Services
Integrated Risk Networks Hold Key to Speedier Threat Response
Country profile: Netherlands

October 2024

Issue 459

The Curtain Rises on ESG's Next Act
The Digital Wallet Revolution Reshapes Global Commerce
AI-Enhanced Identity Fraud Signals New Era of Defense
As ATM Numbers Fall, Third Parties and Independents Rise
What Role Will Real-Time Rails Play In Account Validation’s Future?
Country profile: Poland

September 2025

Issue 458

Global ATM Industry Navigates Digital Disruption with Regional Variations
Virtual Ledgers Bridge Competition Gap for Midsize Banks
From AI Pilots to Production-Ready Fintech Solutions
Security Integration Evolves from Cost Center to Profit Driver
RBT Europe: Transforming Challenges into Opportunities
Country profile: South Korea

July/August 2025

Issue 457

Modern Fraud Prevention Requires an Orchestrated Approach
Recyclers Underpin Resilience of Global ATM Shipments Market
Understanding U.S. Banking Preferences for Strategic Growth
AI Readiness Is Critical for Board-Level Cyber Risk Oversight
Commercial Banking Goes on the Offensive With Innovation
Country profile: Germany

June 2025

Issue 456

Card Disputes Evolve from Consumer Protection to First-Party Fraud
U.K. Banking Hubs: A New Era in Financial Accessibility
Digital Payments Boom Worldwide: Set to Reach $70 Trillion by 2029
Expanding Mobile Money Ecosystem Powers Economic Growth
Strengthening Defenses Through Innovation and Collaboration
Country profile: U.S.A.

May 2025

Issue 455

Holistic Banking Model Unlocks Hidden Value in Digital Era
Why Independent ATM Deployers Are Embracing Deposit Services
Small Merchants Are Driving Growth in EFTPOS Terminal Numbers
Dynamic EWA Market Offers Unaddressed Opportunity for Banks
C‑Suite Attention Accelerates as Authorized Payment Scams Rise
Country profile: Japan

April 2025

Issue 454

Contactless Cards March on but Face Challenges in Some Regions
The State of Rule 1033: What Uncertainty Means for Tier‑1 FIs
Outsourcing Is Still Crucial for Keeping ATMs Running
CISOs Navigate FI Open Banking Market Opportunities
Solution Providers Accelerate Growth With Strategic Alliances
Country profile: Saudi Arabia

March 2025

Issue 453

Banking’s Recycling Revolution: Inside the Global ATM Transformation
Digital Account Opening Must Exceed Customer Expectations
International Networks Gain Ground as Card Spending Continues to Grow
Major Retail and Hospitality Chains Seek Flexible Point‑of‑Sale Software
Banking Authentication Reflects Regional and Generational Preferences
Country profile: Belgium

January/February 2025

Issue 452

The Value of ATM Cash Withdrawals Declined Again in 2023
Universal Commerce Drives Retail Growth Across Channels
Commercial Card Spending Grows Despite Global Economic Challenges
FIs Must Modernize Payments or Risk Falling Behind
Customer‑Centricity Will Be Key to the Future of Retail Banking
Country profile: Peru

December 2024

Issue 451

Asia‑Pacific stands at the forefront of banking modernisation
BNPL disrupting current credit models and the future of payments
The Americas drove strong global card e‑commerce growth in 2023
Cloud security challenges intensify for financial CISOs in 2025
AI, open banking and embedded finance drive innovation
Country profile: Thailand

November 2024

Issue 450

Growth in global card spending accelerates
Cash automation is central to North American branch strategy
Bank branches adopt quality over quantity for SMBs
Forecasting the 2025 trends in financial services
Banks modernising incrementally to meet digital demands
Country profile: Spain

October 2024

Issue 449

Card spending continues to grow across the Americas
Generational differences shape US consumer financial behaviours
UK cash usage declines as digital payments grow
Global commercial card adoption is expanding globally
Proactive mule detection emerges as a fraud prevention priority
Country profile: Colombia

October 2024

Issue 459

The Curtain Rises on ESG's Next Act
The Digital Wallet Revolution Reshapes Global Commerce
AI-Enhanced Identity Fraud Signals New Era of Defense
As ATM Numbers Fall, Third Parties and Independents Rise
What Role Will Real-Time Rails Play In Account Validation’s Future?
Country profile: Poland

December 2024

Issue 451

Asia‑Pacific stands at the forefront of banking modernisation
BNPL disrupting current credit models and the future of payments
The Americas drove strong global card e‑commerce growth in 2023
Cloud security challenges intensify for financial CISOs in 2025
AI, open banking and embedded finance drive innovation
Country profile: Thailand

November 2024

Issue 450

Growth in global card spending accelerates
Cash automation is central to North American branch strategy
Bank branches adopt quality over quantity for SMBs
Forecasting the 2025 trends in financial services
Banks modernising incrementally to meet digital demands
Country profile: Spain

October 2024

Issue 449

Card spending continues to grow across the Americas
Generational differences shape US consumer financial behaviours
UK cash usage declines as digital payments grow
Global commercial card adoption is expanding globally
Proactive mule detection emerges as a fraud prevention priority
Country profile: Colombia

September 2024

Issue 448

Payment orchestration streamlines complexity for all participants
As ATMs become more sophisticated, deployers focus on software
Next‑generation MFA wearables enhance enterprise security
Amazon empowering its financial services with JPMorgan Chase’s BaaS
Customer-centricity through innovation and the human touch
Country profile: UAE

August 2024

Issue 447

E-commerce presents challenges and opportunities to card networks
Card issuers must modernise to escape legacy constraints
With ISO 20022 looming, concerns persist over Fedwire deadline
Millennial-driven SMB growth demanding FI investment
COVID-19 heralds not a cashless future, but a ‘less-cash’ one
Country profile: Portugal

July 2024

Issue 446

ATM numbers fall worldwide – but IADs continue to grow
UK fraudsters shift focus to social engineering and ID theft
Shared branches have the potential to benefit customers and FIs alike
Innovation can help FIs offer seamless, people‑centred banking
Unified digital banking offers enhanced security and CX with CIAM
Country profile: China

June 2024

Issue 445

American Express and Mastercard gain in the commercial sector
Digital banking apps simplify merchant interactions
Cash remains important in North America’s changing landscape
Driving innovation to combat financial crime and cyberthreats
Global ATM shipment levels regain momentum in 2023
Country profile: Argentina

May 2024

Issue 444

US branch decline slows as several FIs open outlets
Inclusion and intervention driving domestic-only cards
West Africa empowered by mobile money growth
US banks are poised to lead ESG investing
BNPL sees dwindling growth and increased competition
Country profile: Finland

July 2024

Current Publication

Payment orchestration streamlines complexity for all participants
As ATMs become more sophisticated, deployers focus on software
Next‑generation MFA wearables enhance enterprise security
Amazon empowering its financial services with JPMorgan Chase’s BaaS
Customer-centricity through innovation and the human touch
Country profile: UAE

April 2024

Issue 443

Embracing digital transformation in the retail banking space
Sustained demand for cash drives growth in ATM usage
Translating GenAI enables effective bank deployment
Embedded banking grows into a life cycle
Innovation and regulation transform UK Payments
Country profile: Latvia

March 2024

Issue 442

CISOs need less hype and more help from GenAl
Alternative payments temper growth of card acceptance
Russian payments landscape resilient despite sanctions
Open banking creates new value and vulnerability
As UK banks close branches, building societies buck trend
Country profile: Egypt

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