Getting the balance right How European banks can maximize their full potential in retail

whitePaper | September 12, 2022

Moroku Odyssey is a user experience orchestration and engagement platform for financial services companies. As Fintech changes the industry, customer engagement through unique experiences is a critical battleground. Moroku Odyssey, helps banks and FinTechs provide unique and compelling experiences to attract and engage customers around a telos of wellness, architected around game.

whitePaper | September 26, 2022

Fintech Notes offer practical advice from IMF staff members to policymakers on important issues. The views expressed in Fintech Notes are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.

whitePaper | June 21, 2022

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.

whitePaper | August 8, 2022

Technological and social change have led to decreased reliance on both physical cash and traditional bank branches. While cash accounted for 45% of all payments in 2015, five years later it was used in only 17% of transactions in the UK. The coronavirus pandemic reinforced this tendency. Similarly, the number of bank and building society branches in the UK fell by about 34% between 2012 and 2021.

whitePaper | July 10, 2023

The payment industry is experiencing a revolutionary shift, with traditional transaction timelines reduced from days to seconds. As a result, the demand for instant payments has prompted these institutions to reassess their innovation priorities and shift their focus towards the underlying data infrastructure that powers these lightning-fast transactions.

whitePaper | May 20, 2022

They shape how people spend and save and many of their daily interactions. With the onset of the global COVID-19 pandemic, the value of digital payments for individuals and businesses became even more apparent. In Latin America and the Caribbean (LAC) digital payments emerged as the preferred method of purchase: e-commerce grew 18% in 2020.