Explore the key regulatory developments shaping UK payments in Q4 2026, from cryptoassets and AI to consumer protection and payments infrastructure.

Tokenised assets are gaining institutional traction, but regulatory fragmentation, settlement challenges and uneven adoption continue to constrain growth.

An industry-led assessment of the FSB’s cross-border payments targets, examining gaps in progress, end-user outcomes and the need for reform.

New research examines how prepared firms are to deploy AI inclusively, and where reported readiness, practice and customer outcomes diverge.

Digital wallets are capturing the customer relationship while reinforcing card rails, as A2A payments emerge as the more credible route to disruption.