Ellie Duncan

September brought a UK payments scheme going live, new US federal guidance on third-party risk, and six global banks agreeing on AI agent liability – none of it coordinated, all pointing at the same gap. The UK’s Open Banking ecosystem is about to get a l... See more

Source: Token.io Token.io, the leading Pay by Bank infrastructure provider in the UK and Europe, has signed Bitkom’s Memorandum of Understanding with the German Federal Ministry for Digital and State Modernisation (BMDS), alongside over 120 companies, to ... See more

Open Banking has proved what can happen when an industry plays by common standards and a shared infrastructure for innovation. What comes next will ask more of us all. AI is revolutionising how people interact with money and data. Pay by Bank and cVRP are... See more

As Open Banking and Smart Data expand what’s visible about a business, I keep coming back to a strange gap: many SMEs are still assessed by instruments built to read the past. Filed accounts. Collateral. Trading history. Not the forward evidence a modern ... See more

Banking data alone rarely answers the question your customers are actually asking. To underwrite a loan, reconcile a payment or forecast cash, you need what sits next to the bank feed: the accounting ledger, the invoicing tool, the POS, the payment provid... See more