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Commerzbank, Deutsche Bank and the Sparkassen group are joining forces on a shared platform that lets banks warn each other about fraudulent accounts in real time. Here is why the joint venture matters, and whether EU law will let it work where the Dutch version stalled.

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FNZ Bank Consolidates Fund Processing with Clearstream Before T+1

FNZ Bank SE, one of Germany's largest business-to-business direct banks, will consolidate its fund dealing and post-trade operations onto Clearstream, routing them through the Deutsche Börse Group unit's Vestima platform. The move hands a single provider responsibility for Clearstream fund processing across the bank's mutual funds, ETFs and other investment vehicles, and it lands as European firms compress their operating models ahead of the switch to T+1 settlement on 11 Oct

Green Finance Goes Mainstream: How This Week's Billion-Dollar Bets Are Rewiring Banking Beyond the Branch

From Mastercard's $500 million emerging-markets push to Doconomy's climate-tech expansion, Beyond Banking has officially stopped being a slide in the strategy deck — it is now the strategy deck.

BaFin Fines Deutsche Bank €8m Over Postbank Migration Failures

Germany’s financial regulator has put a price on one of the costliest IT projects in European retail banking. On 11 November 2026, BaFin imposed an €8m administrative fine on Deutsche Bank, ruling that the bank breached the German Securities Trading Act (WpHG) when the migration of Postbank customers onto its shared IT platform overwhelmed its ability to serve them. The penalty splits into two parts: €5.5m for handling a surge in customer complaints too slowly, and €2.5m for

Institutional Stablecoin Yield: Inside the $10m FYUSD Vault Launch

A dollar stablecoin aimed at institutions in Asia is being wired directly into decentralised finance from the moment it goes live. FYUSD will launch with $10 million in initial minting, with ether.fi depositing the first capital and vault infrastructure from Blueprint Finance's Concrete protocol routing it into on-chain strategies. The arrangement, announced on 11 November 2026, is an early and deliberately modest test of institutional stablecoin yield moving from pitch to li

PSD3 Lands, Core Banking Pivots, and BaaS Finally Grows Up: Inside Europe's Open-Finance Reset

Brussels has locked the scope and timeline for PSD3 and the Payment Services Regulation. Meanwhile, Tuum, Mambu, and Thought Machine are rewriting what core banking modernisation actually means in the field.

Institutional Crypto Custody: ADI Chain Partners The Vault

Institutional crypto custody has become the gate that banks and asset managers must pass through before they move money on-chain, and ADI Chain has just closed it. The ADI Foundation, the Abu Dhabi body behind the institutional blockchain, has signed a strategic partnership with The Vault, a digital-asset custody provider, to bring multi-party computation custody to the network and to research quantum-resistant security together. Announced on 11 November 2026, the agreement t

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CONTRIBUTORS & INTERVIEWS

Three Shifts Reshaping Crypto Custody in Switzerland

By Rene Philippe Raymond Dubout, Founder at FintechLex Holding crypto for clients looks simple until somebody asks who owns the coins if the custodian fails. In Switzerland, depending on how client assets are held, controlled and used, a business may need only SRO affiliation, a FinTech licence or a full banking licence. For readers unfamiliar with the Swiss system, SRO stands for Self-Regulatory Organisation. FINMA does not directly supervise every financial intermediary. Ce

Early-Stage Discount Rates (k): H1 2026 Update

By John D. Evans, CFA, Founder & General Manager at SEIML On 5 January 2026, we published an indicative table of early-stage discount rates used in DCF-style startup valuations. Here is the six-month update for the period ended 30 June 2026. The broad message is that the picture has not changed dramatically, but there has been some modest refinement. In the US, UK and EU, the indicative ranges have generally narrowed slightly, especially from Pre-Seed to Series A. That sugges

From AI Experimentation to Enterprise Adoption: The Information Challenge Financial Services Must Solve

By Justin Cruz, Strategic Solutions Manager, Financial Services and Manufacturing at Laserfiche AI is quickly becoming part of the day-to-day operations of financial services organizations. Banks, credit unions, insurers and investment firms are using it to support underwriting, claims processing, fraud detection, customer service, and other processes that rely heavily on information and documentation. As these use cases move from pilots into the broader business, business le

Carbon Markets & Credit Registries: The Trust Infrastructurethe Planet Needs

By Gopal Kiran, FinTech & Innovation Professional, Executive PhD Scholar in Sustainable Finance & Green FinTech Carbon markets are no longer a niche concept debated in sustainability conferences. They are rapidly becoming the financial architecture of the global climate response and the registries that underpin them are the trust layer everything else depends on. What Are Carbon Markets and Why Do They Matter? Carbon markets are market-based mechanisms through which countries

The Overview Problem: Can a Machine Explain Your Payments Firm in One Sentence?

By Jeremy Rodgers, Creative Director at Contentifai Business buyers increasingly ask AI assistants which providers to consider, and in fintech the answers lean towards a handful of familiar names. Getting onto that list starts with a description a machine can repeat accurately. The chatbot now helps build the shortlist Ask an AI assistant which payment providers suit a mid-sized software company and you get a tidy answer in seconds: a few names and a line on each. For many bu

Stablecoins and the Bank's Choice: Build, Partner or Wait

By Koen Vanderhoydonk, CEO at The Connector. Europe has been here before. Ten years ago, banks watched crypto grow outside their systems, unsure whether it would matter. Today the same question is coming back, but this time it is about payments rather than speculation. Stablecoins are reaching customers through cards and wallets, and most banks are still deciding what part, if any, they want in it. Two early stories The first starts in Vienna. Bitpanda was founded there in 20

How Much of Your Finance Team's Week is Moving Numbers?

By Gábor Szórád, Founder at AI Business Impact Ask a finance leader what the team does all week and you will hear about judgment: closing the books, challenging the forecast, deciding what to pay and when. Watch the same team for a day and you will see something else. Someone opens the ledger, finds the overdue invoices, writes a polite reminder, adjusts the tone for the customer who always pays late, and sends it. Forty minutes each. Someone else copies figures from the bank

Making the Money Earn While the Cargo is in Transit

An interview with Jordan Lawrence by Sean Murphy One of Damisa's customers is a Polish business with around 120 million a year in turnover, most of it flowing between Poland and Africa. It moves physical goods, in trade where trust between the two sides is limited, and for years it protected itself the way exporters usually do, through its bank, with escrow arrangements, letters of credit and bank guarantees. A shipment from Poland to Ghana can take a long time to arrive, pas

The AI Omnibus Regulation: What’s Next for the AI Regulatory Sandboxes?

By Pierre Berger, Joris Latui and Marieke van Gestel, DLA Piper On 27 July 2026, the AI Omnibus Regulation took effect across the European Union. For AI regulatory sandboxes, the new rules bring several changes to their timing, organisation and governance. While the existing concept remains largely unchanged, the Regulation introduces several adjustments of which companies and authorities should be aware. The European Commission presented the AI Omnibus Regulation1 as part of