Innovation
What Regulation E Requires Banks To Do After an Unauthorized Transfer
Federal rules cap most consumer liability at $50 and give financial institutions a 10-business-day clock to investigate, with narrow exceptions stretching to 45…
Innovation: New Ideas and Research
Stablecoin settlement, tokenized deposits, instant payout and new authentication examined for measurable gain over the systems already carrying the volume.
Innovation
Network Tokenization Explained: How Visa and Mastercard Replace Card Numbers
Card networks now route most card-on-file and mobile transactions through a substitute number called a network token, and issuers say the swap measurably cuts…
Innovation
How Agentic Commerce Would Let AI Agents Pay for You
Protocols released between May 2025 and March 2026 — Google's AP2, the OpenAI-Stripe ACP, Coinbase's x402 and Stripe's MPP — define how an AI agent could pay…
Innovation
How AI Underwriting Is Changing Credit Decisions at U.S. Banks
Banks now run machine-learning models on cash-flow and bureau data to rank credit applicants, while Regulation B adverse-action rules and CFPB circulars require…
Innovation
Why Payments Cryptography Faces a Hard Quantum Migration Deadline
NIST published final post-quantum standards in August 2024 and proposed phasing out RSA and elliptic-curve cryptography by 2035, giving payment systems a decade…