Category Archives: Uncategorized

  CRR3 opens a new chapter in EU financial regulation   The third revision of the Capital Requirements Regulation (CRR3), which will come into force at the beginning of 2025, represents a major change in European banking regulation. Developed by the Commission and recently adopted by the European Parliament in response to the international reforms… Continue reading →

Euphoria has subsided in the fintech space   The fintech sector is experiencing the episode of turbulence after years of double-digit growth. The valuation of fintechs fell sharply between January and July 2022. The success story Klarna, for example, suffered a drop in valuation of around 85% in July 2022 compared to its value in… Continue reading →

    A fast-growing market that opens up natural opportunities for banks    Payment activities represent a sigificant share of retail bank’s revenues estimated at around 20 to 25%. The growth dynamics of these activities even tend to reinforce the importance of payments for banks in the future. In the euro area, for example, payment… Continue reading →

  With cryptocurrencies weathering a big storm, it may seem delicate to analyze this market without falling into the stereotypes about an inevitable crash or the dangers of uncontrollable mechanisms implemented on some of the so-called “stablecoins”. There is a lot of talk about the speculative madness that is dragging millions of investors into an… Continue reading →

    The bot as a powerful tool to improve customer service and operational efficiency   The competitive battle in the banking sector is now being played out on the customer relationship. The neo-banks are succeeding in winning over millions of customers, notably because they offer a fluid digital experience with a state-of-the-art mobile application… Continue reading →