Stanley’s Musings - Fintech, Banking & Payments News #2

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Thoughts on fintech, banking, payments, risk management, AI, going green, economics, business and much more…

The latest edition is now available - HERE

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5 Counter-Intuitive Rules for Building Dashboards That Actually Drive Value

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Introduction: The "White Elephant" in the Room For any manager tasked with monthly reporting, the process is painfully familiar: hours spent pulling data from disparate sources, struggling to create a connected view, only to produce a static report that's outdated the moment it's finished. In response, organizations have built countless dashboards promising a real-time, data-driven view into every corner of the business. Yet, many of these meticulously crafted tools end up as digital "white elephants"—expensive assets that consume time and money but sit unused, providing little to no real value. The core problem isn't the technology, the choice of chart, or the color scheme. The difference between a high-value dashboard and a digital paperweight lies in the strategic framework behind it. A dashboard's success begins long before the first line of code is written and continues long after it has been launched. There are five counter-intuitive but critic...
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The Trade War Heats Up: Tariffs, Oil Plunges, and Global Reactions

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The trade war didn’t take the weekend off—and neither did the ripple effects shaking the global economy. If you found yourself tossing around the word “tariff” more than usual during your weekend chats with friends and family, you’re not alone. President Trump’s escalating trade policies have everyone on edge, from Wall Street to foreign capitals. Here’s a deep dive into the latest developments as of April 7, 2025, that are keeping the world buzzing—and markets trembling. First up, the big news: as of just after midnight on Saturday, a baseline 10% tariff slammed into effect on virtually all goods imported into the United States. It’s a sweeping move that’s already sending shockwaves through supply chains. But that’s just the appetizer. Come Wednesday, April 9, much steeper “reciprocal” tariffs are set to kick in, targeting specific exporting giants. Take Vietnam, a manufacturing powerhouse—starting midweek, it’ll face a whopping 46% tariff on its goods heading to the U.S. This stagger...
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Fast payments: design and adoption - BIS

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The payments landscape is evolving rapidly, and fast payment systems (FPS) have emerged as a key innovation. Jurisdictions differ in their approach to designing FPS and in user adoption.  In this article the authors lay out the main design features of FPS that may foster adoption. Cross-country regressions suggest that adoption of fast payments is greater when the public sector plays an active role in the FPS. Other design factors important for adoption are non-bank participation, more use cases and more cross-border connections. Read the full article HERE .
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