2026 compliance maturity benchmarking report
A new benchmarking report reveals how payments and fintech firms compare on compliance maturity, highlighting key governance gaps and priorities for 2026 readiness.
January 28, 2026
A new benchmarking report reveals how payments and fintech firms compare on compliance maturity, highlighting key governance gaps and priorities for 2026 readiness.
Cardaq’s co-CEO Noyan Nihat has been elected deputy chair of The Payments Association Advisory Board, reinforcing leadership and collaboration across payments.
SMEs want simplicity, not more tools. This webinar explores how SaaS and fintechs can embed payments, accounts and tax to meet real B2B needs.
Identity fraud is now a core payments infrastructure. AI-driven impersonation, real-time liability and continuous checks are defining how UK fintechs scale safely.
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APP fraud rules are tightening, pushing PSPs to adopt digital risk audits that improve compliance, expose real risk and unlock fairer insurance terms.
At Web3 Hub Davos 2026, industry leaders discussed how PayFi is enabling real-time liquidity, compliance and on-chain settlement in live cross-border payments.
New data shows UK card payments remain dominant, with debit growth, digital wallet reliance, and limited open banking adoption shaping issuer strategies.
UK payments in 2026 will balance smarter digital wallets, AI-led commerce, VRPs and sustainability with resilience, cash access, regulation and trust.
Fraud is shifting to AI-driven, cross-industry threats, forcing banks and payments firms to adopt collaborative defence, explainable AI and shared intelligence models.
Fintech growth is being held back by unclear positioning and strategy. Blue Train Consulting launches to help payments leaders find direction before execution.
Snappi illustrates a new phase of European digital banking, combining cloud-first infrastructure, regulatory approval and insight to support real-time services.
Ripple has secured FCA approval for its EMI licence and crypto registration, enabling UK banks and fintechs to use regulated digital assets for faster cross-border payments.
As digital payments dominate in 2026, firms must balance rapid innovation with tighter regulation, strengthening controls across fraud, resilience, and customer protection.
Salt Edge has launched a bulk payments solution using open banking APIs, enabling fintechs and platforms to execute secure, real-time mass payouts across Europe.
UK payments and crypto rules shift from design to delivery in Q1 2026, with tougher safeguarding, stablecoin proposals, and FCA consultations driving action.
2026 marks the shift from experimentation to mainstream digital asset use, with regulation, interoperability, and tokenisation shaping how DLT embeds into finance.
Rising fraud is forcing UK retailers to rethink growth, with many considering closure as losses, reputational damage and chargebacks intensify.
Payments talent shortages persist in 2026, and slow hiring processes are costing firms critical engineers, risk experts and product leaders.
Bottomline has launched Payments Fraud Defense, a unified AI-driven platform helping banks detect fraud earlier, reduce false positives, and respond faster across payment channels.
A data-led analysis of the key trends shaping payments in 2025, offering clear insight into market shifts, technology adoption, and emerging priorities.
Fi911 launches ResolveLab, giving payfacs rapid plug-and-play access to Mastercard Ethoca tools to stop chargebacks, improve trust and protect revenue.
Exactly.com’s COO Mark Andreev outlines the e-commerce trends shaping 2026, from omnichannel trust and social commerce to AI-driven, agentic shopping.
Equals Money | Railsr has partnered with Okta to secure AI-driven payments, using identity governance and behavioural controls to balance innovation and risk.
ID-Pal has acquired KYB specialist NorthRow to deliver a unified KYC, KYB, and AML intelligence platform with continuous risk monitoring.
Latham & Watkins has launched an interactive tracker providing up-to-date insight into the UK’s fast-evolving cryptoasset regulatory landscape.
BCB Group marks five years of its BLINC network with the launch of BLINC Rewards, recognising clients driving instant settlement growth across crypto and fiat markets.
Agentic AI promises seamless automated payments and hyper-personalised retail, but growth depends on new trust, fraud models and rules for autonomous agents.
Entersekt features as a key contributor to a new Payments Association EU white paper, outlining a risk-based, device-led approach to the future of SCA.
A Spotify Wrapped-style view of personal finances could help users visualise spending, reduce stress, and make smarter money decisions.
IFX Payments hosts an expert-led webinar on fraud, AML and cybersecurity, offering practical insights to help PSPs strengthen defences and prepare for 2026.
SMBs are driving growth in cross-border trade, creating new revenue opportunities for regional banks and credit unions willing to modernise payments.
Bottomline has won Best Digital Forensics Solution at The 2025 Security Awards for its insider threat platform, which detects internal fraud while preserving employee privacy.
As PSD3 approaches, Entersekt shows how banks can meet stricter authentication and fraud rules while turning compliance into stronger security and growth.
Payment fragmentation drains resources and slows growth. A unified payment ecosystem cuts complexity, reduces costs, and gives digital businesses the clarity needed to scale.
Tag Systems UK has named Faten Ben Jemaa as COO, strengthening its digital expansion plans and supporting growth in card services and its emerging card-as-a-service offering.
Seasonal surges strain gift card support teams as volumes rise and errors increase. Automation, clearer guidance and scalable human support help maintain service quality.
Fraud is rising fast and criminals are using AI at scale. UK banks must modernise to real-time, unified fraud and AML defences or risk regulatory, financial and trust failure.
Banks are eager to adopt AI, but payment network compliance is too complex and risky for generic models. Purpose-built solutions avoid data, context and validation pitfalls.
Kani Payments has appointed Andrew Wingfield to strengthen its safeguarding and reporting capabilities ahead of the FCA’s 2026 rules, supporting EMIs and issuers through compliance.
Visa has completed the first UK cVRP using Visa A2A, introducing a modern, protected alternative to Direct Debit and paving the way for more transparent bill payments.
Paysend and Visa are expanding their partnership to offer real-time cross-border payments through Paysend’s Enterprise API, bringing faster, transparent transfers to more businesses.
Payments are shifting toward a multi-rail future where cards, A2A, stablecoins and CBDCs coexist, with consumer choice and digital identity set to shape long-term adoption.
Cleafy has been named a Leader in the 2025 SPARK Matrix for Enterprise Fraud Management, reflecting its rapid growth and predictive, cybersecurity-driven approach to fraud prevention.
TIS and Torus have launched Japan’s first specialised analytics service for issuers and acquirers, helping card businesses improve revenue through clearer cost insights. Read the full press release here: https://www.torusadvisors.com/news/tis-and-torus-launch-profit-improvement-support-service-for-card-issuers-and-acquirers
Cardaq and Corpay have partnered to streamline global expansion for merchants, integrating API-driven FX and real-time settlement into a unified cross-border payments infrastructure.
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Expleo’s new playbook showcases real-world AI case studies that deliver measurable gains in software delivery, data governance and cybersecurity across regulated industries.
