Core Banking

ECMS: a game changer to access your central bank

June 21, 2022

ECMS: a game changer to access your central bank
Central banks play an important role in ensuring sufficient liquidity is available to financial markets. Historically, they have always acted as lenders of last resort by providing distressed institutions with liquidity, in addition to processing more routine operations, for example by providing credit to support settlement in central bank money. Perceptions around accessing central bank liquidity have been progressively changing and today using central bank credit has become a commonly used liquidity management tool for many financial institutions. This shift started as a result of the financial crisis of 2008.

Spotlight

Ford Credit

Ford Motor Credit Company is a leading automotive financial services company. It provides dealer and customer financing to support the sale of Ford Motor Company products around the world. Based in Dearborn, Michigan, Ford Credit is a subsidiary of Ford Motor Company that was established in 1959 and has more than 7,300 employees worldwide.

OTHER WHITEPAPERS
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The Crypto Phenomenon: Consumer Attitudes & Usage

whitePaper | April 13, 2022

Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment, tax, or legal advice, and readers are encouraged to seek the advice of a competent professional where such advice is required.

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Notable Whitepaper

whitePaper | October 3, 2022

NOTABLEWhitepaperPeople are valuable. We’ve always known that, but the current digital and social media revolution is making it clear that qualities like influence, leadership and prettiness can be valued and monetized, both for individuals and for businesses. Just think about the influencer market, that has amassed a gross value of 13$ Billion in 2021. On the other hand, blockchain technology (and digital tokens, or NFTs) is opening the world to new investment possibilities. Now people and institutions can easily invest in almost any asset class, with the same simplicity of browsing the web.

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What will the future of banking look like?

whitePaper | December 18, 2019

The financial services industry is in upheaval and while there is a lot of recent talk about rising complexity and disruption, this transformation has actually been almost twenty years in the making. Since the year 2000, banks have faced stricter and more regulations, driving up the cost of compliance. Investment in new fintech players has grown steadily in the last decade.

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Privacy and Central Bank Digital Currencies

whitePaper | January 19, 2023

Privacy is regarded as a crucial factor in the investigation and development of Central Bank Digital Currencies (CBDC) and is therefore thoroughly researched by monetary authorities, academia, and the private sector. Academic research indicates that CBDC transactions may involve processing significant amounts of identity and transaction-related information (Lee et al., 2021), raising privacy concerns for future users. While there exist countless definitions for privacy, such as “the right to be left alone” (Warren and Brandeis, 1890), in this document, the definition of Nissenbaum (2010) - “the appropriate flow of information” - will be followed.

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The Future of Fintech

whitePaper | October 1, 2022

Some of the best innovations come from recognizing pain points and having the resolve to alleviate them. The scope of fintech became visible over a decade ago, when the success of mobile money brought into sharp focus the potential inherent in the combination of finance and technology – with innovation and empathy.

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Open Banking, Open Data and Financial-grade APIs

whitePaper | March 16, 2022

Data is often referred to as the “new oil” of the digital economy. It is a powerful asset used by companies to improve their services and to build artificial intelligence (AI) models. However data can often be used to “lock” consumers into a service. A move to consentdriven access to all user data can break that lock, make it easier for consumers to move between different service providers and unleash a wave of innovation. Open Banking can also help facilitate financial inclusion, better serving those on the margins of society by offering a bridge to the formal economy.

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Spotlight

Ford Credit

Ford Motor Credit Company is a leading automotive financial services company. It provides dealer and customer financing to support the sale of Ford Motor Company products around the world. Based in Dearborn, Michigan, Ford Credit is a subsidiary of Ford Motor Company that was established in 1959 and has more than 7,300 employees worldwide.

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