The European financial sector is undergoing a profound transformation. As customer expectations evolve and digital-native players bring increasingly data-centric propositions to market, traditional financial institutions are stepping up their efforts to modernise their data infrastructure and offerings. In this rapidly changing landscape, the proposed Financial Data Access (FiDA) regulation is intended to become a cornerstone of the…

The slogan for EBAday 2025, which took place on 27 and 28 May 2025 at Les Salles du Carrousel, Paris, was “Shaping the future of payments and transaction banking – strategies for success”, although an equally fitting tagline would have been, “Getting things done.” While forward-looking topics like the digital euro, generative artificial intelligence (GenAI)…

Today’s payments ecosystem is marked by deep-rooted silos that impede effective coordination in the battle against fraud. National and regional communities often take distinct approaches, shaped by local regulation, industry initiatives or priorities. Different types of payments – such as card-based and account-to-account – are typically managed separately, with their own processes. These divisions often…

“As for the future, the task is not to foresee it, but to enable it.” These words, from the early 20th century French writer, Antoine de Saint-Exupéry, are more poignant today than ever before. They impart a philosophy that the Euro Banking Association (EBA) shares: to drive progress through practical action, not passive prediction. In doing…

In recent years, the liquidity management ecosystem has borne the weight of resurgent inflation, rising interest rates and geopolitical uncertainty. The next – and no less significant – challenge is maintaining compliance and prosperity in the wake of the third Capital Requirements Regulation (CRR III). This blog post explores how this regulation could impact cash…

Part II. Click to read part I With its uniform pan-European vocabulary and fraud categorisation approach, the EBA Fraud Taxonomy puts fraud experts on the same page. By leveraging the taxonomy, payment service providers (PSPs) can ensure that data is not just comparable across institutions, but also granular and actionable.  And this is an essential…

In today’s fast-paced world, continuous learning and professional development are essential for staying ahead of the curve in any industry. Regarding payments, whether you are just starting out in your career or looking to refine your skills, the right educational training can make all the difference. This is where the EBA and its educational offerings…

Part I. Click to read part II In an era where the world of fraud seems to evolve faster than ever, the diverse terminology payment service providers (PSPs) use to describe fraud events exacerbates an already complex dynamic. So far, there has been neither a harmonised pan-European vocabulary nor a harmonised approach to describing fraud types.…

For 2024, the EBA members had prioritised four core topics: Instant payments: not surprisingly, our members identified the practical impact of the upcoming Instant Payments Regulation as a top priority for 2024. The scaling-up of instant payment volumes will require many changes, some of which can only be addressed collectively. Open Finance: as future regulation…