Instant Payments: What to Know and Where to Start

whitePaper | March 8, 2023

Economic uncertainty. Rising interest rates. ESG concerns. Regulatory changes. Hypercompetitive consumer-centric markets. Today’s banking industry is enduring unprecedented change and new models offering efficient and flexible infrastructures are needed. Future-focused banks wisely put digital initiatives on their risktransformation agenda to replace outdated and inefficient processes.

whitePaper | April 18, 2022

Fintechs are maturing and are reshaping the competitive landscape for traditional banks. Partnerships between banks and fintechs can be mutually beneficial and have become increasingly common. Nevertheless, some banks have baulked at this idea, deterred by cultural and technological obstacles that can make partnerships difficult to execute. This is short-sighted. Partnering with fintechs can help banks meet their operational objectives, enhance products and improve customer experience. To maximize the chances of success in these partnerships, banks should pursue certain best practices.

whitePaper | May 5, 2020

Have you ever failed a class because of Wikipedia? (We will pass you!) (100) Are you not getting enough sleep because of time on Wikipedia? (9) ...Did you not get ANY sleep last night because of Wikipedia? (100 - we commend you for being that dedicated) Are you sleeping during the day (as of 8 a.m.) because you edited Wikipedia overnight (add overslept time in hours)? (5) Do you forget to think twice before you say something to real people but re-check a hundred times what you have typed in before posting your comment in a talk page? (5) Do you judge people you know offline partly on the basis of their Wikipedia contributions? (6) Do you think quality of contributions to Wikipedia is an important criterion in choosing a partner for a close relationship? (17 and a crash course in dating) Do you subscribe to a Wikimedia mailing list (e.g., WikiEN-l, Wikimedia-l)? (2) ...Do you actually read that mailing list? (20)

whitePaper | November 14, 2019

Municipal bond funds experienced strong flows in 2019, as tailwinds from the country’s new tax code (the 2017 Tax Cuts and Jobs Act “TCJA”) and low interest rates found investors flocking to the asset class for the tax benefit. Add in strong year-to-date performance, and investors may be asking if they missed the boat and if it’s too late to invest in municipal bonds. Yet, there are clear and distinct reasons why municipal bonds are still an attractive investment for investors today.

whitePaper | May 31, 2023

Payments modernization has become more important and prevalent than ever before. The demand for faster, more secure, and more convenient payments options is on the increase. E-commerce, mobile payments, and other forms of digital transactions are on the rise. And consumers and businesses are seeking faster and more seamless ways to make and receive payments.

whitePaper | May 24, 2022

DTCC’s 2015 white paper, Understanding Interconnectedness Risks, underscored the importance of looking at the global financial system as a complex network of interdependent components. Building on efforts by academics and researchers to apply network theory and other insights to financial risk management, the paper highlighted how the failure of a large and highly interconnected entity can impact the financial system and the real economy to the point where it can cause worldwide financial instability.