Topics
Topics at Fintech Nexus: the pages in this section are listed below, each with its own scope and status.
Topics at Fintech Nexus.
The Global Risks Alliance (GRA) is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.
Fintech Nexus topics, and the question each answers.
- Instant payments risk and APP fraudThe questionPayments are moving from batch and card rails to instant, always-on and increasingly cross-border services, built by banks, payment institutions, technology firms and public operators side by side.
- Open finance and open banking riskThe questionOpen finance lets customers direct their bank, payment, savings, insurance and pension data to other providers through secure interfaces, and in some regimes lets those providers initiate payments.
- Digital assets and tokenisationThe questionTokenisation records claims on money, securities and other assets as tokens on programmable ledgers, so that transfer, settlement and some servicing can happen on one platform.
- AI model risk in financial servicesThe questionBanks, insurers, asset managers and payment firms use machine learning and, increasingly, generative models for credit scoring, fraud detection, trading, customer service, compliance and software development.
- Digital onboarding and identity fraudThe questionEvery financial relationship starts with identifying the customer: proving who they are, checking them against sanctions and risk lists, and authenticating them each time they return.
- Fintech operational risk and cloudThe questionFintech firms and the banks that partner with them run on cloud platforms, software suppliers, data vendors and outsourced operations, often supplied by a small number of large firms.
- Regtech and suptech for complianceThe questionRegtech is the technology firms use to meet regulatory obligations: transaction monitoring, sanctions screening, regulatory reporting and conduct surveillance.
- Digital financial inclusion riskThe questionFinancial inclusion means that individuals and small firms can use useful, affordable and safe financial services: transaction accounts, savings, credit, insurance and payments.
- Crypto-asset risk and stablecoinsThe questionCrypto-assets, stablecoins and decentralised finance have built a market with its own trading venues, lending, leverage and settlement layers, increasingly linked to banks, payment systems and funds.
Topic pages in Fintech Nexus share one structure: mechanisms, indicators, sources, methods, decisions and limits, written for payments and fintech risk officers and compliance and financial-crime teams.
Where this page's references lead.
The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.
- CPMI-IOSCO Principles for Financial Market Infrastructures (2012) and cyber resilience guidance (2016)
- FATF Recommendations, including revised Recommendation 16 on payment transparency (June 2025; implementation by end-2030)
- EU Digital Operational Resilience Act, Regulation 2022/2554 (applies from 17 January 2025)
- EU Markets in Crypto-Assets Regulation (MiCA), Regulation 2023/1114
Pages in Topics.
Payments and innovation
New payment services and resilience.
TopicOpen finance
Data portability, privacy and access.
TopicDigital assets and tokenisation
Digital market infrastructure and risks.
TopicAI and automation
Financial model and decision risk.
TopicFinancial identity
Onboarding, fraud and exclusion.
TopicFintech operational risk
Cloud, cybersecurity and vendors.
TopicRegtech and supervision
Compliance technology as research.
TopicFinancial inclusion
Access, SMEs and equitable design.
TopicDigital assets risk
Digital asset and tokenisation research without exchange or custody.
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