Tag: Governance
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Instant payments decouple the payments landscape – Infrastructure becomes a commodity while commercial governance emerges as the decisive competitive factor
Instant payments are becoming mandatory infrastructure. The real transformation is structural: the separation of payment infrastructure from commercial governance is now fully visible. What card schemes historically bundled, i.e. the rail and the rulebook, was carried along implicitly. With the…
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Digital Identity Solutions in Europe 2025 – Status Quo
The European digital identity landscape is undergoing a fundamental transformation. With eIDAS 2.0 and the mandatory EUDI Wallet by 2026, fragmented national standalone solutions are being transformed into a harmonized ecosystem. Six EU pilot projects with over 600 partners are…
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Modernization Agenda for State and Administration
The Federal Ministry of Education, Research and Culture’s 2025 Modernization Agenda is conceptually sound, but its implementation threatens to fail due to outdated structures. Federal fragmentation, outdated IT, a lack of competencies, and weak governance are hampering progress. Success depends…
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DORA – Status Quo 2025 – From the regulatory idea to implementation in practice
The Digital Operational Resilience Act (DORA) has been mandatory since January 2025. Banks, insurers, payment service providers, and FinTechs must demonstrate their resilience against IT disruptions and cyberattacks. While major players are making progress, many smaller institutions are still struggling…
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EU AI Act comes into force – What companies need to consider now
The EU AI Regulation (EU AI Act) entered into force on August 1, 2024. It regulates the use of AI according to risk levels – from minimal to unacceptable – and obliges companies to ensure transparency, documentation, risk management, and…