Journal of Digital Banking

2016 - 2026

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Volume 10, issue 3, 2026

Editorial pp. 200-201

Simon Beckett

Shaping tomorrow’s digital banking: From technology to human-centric transformation pp. 202-213

Vanja Tokic and Alexander Csivre

The art of successful bank–FinTech partnerships: Making preparedness a cornerstone of a new era in financial services pp. 214-223

Kunal Bist and Alexandra Genovese

Stablecoins and central bank digital currencies: Prospects in the Asia-Pacific region pp. 224-234

Camilla Bullock, Monica Jasuja and Brad Pragnell

Strengthening financial institutions’ risk management: Navigating third-party sender relationships and the implications of upcoming Nacha operating rules for fraud monitoring pp. 235-245

Nanci Mckenzie

From overload to action: How behavioural psychology can supercharge FinTech products pp. 246-256

Jas Shah

Implementing artificial intelligence in corporate and investment banking: Use cases, infrastructure and change management strategies pp. 257-270

Martin Giesswein, Vedad Sehanovic, Stephan Waniek and Thomas Werth

Six steps for a modern digital strategy pp. 271-279

Grant Karsas

mOkazje Zakupy: How mBank is redefining the future of digital banking through the shopping experience pp. 280-288

Adam Ałaszewski

Volume 10, issue 2, 2025

Editorial pp. 104-105

Simon Beckett

Maximising business value with artificial intelligence: From strategy to execution pp. 106-122

Julie Chatterjee

Know your agent: Enabling autonomous financial services pp. 123-134

David Birch and Jelena Hoffart

Zooming in: The role of granular data in central banking pp. 135-151

Joshua Brault, Maryam Haghighi and Bruno Tissot

Leveraging artificial intelligence for ESG scoring and sustainable investment pp. 152-169

Iota-Kaousar Nassr and Caroline Roulet

Digital finance: Leveraging customer research for innovation pp. 170-179

Anette Broløs and Erin Taylor

Generative artificial intelligence in financial services: From buzz to build pp. 180-184

Nina Edwards

Putting the ‘AI’ in paid: Payment companies, automation and the banking sector’s growth pp. 185-195

Kenneth Upchurch

Volume 10, issue 1, 2025

Editorial pp. 4-5

Simon Beckett

Digital banking in the artificial intelligence era: Strategies for serving nonhuman customers pp. 6-17

David Birch and Kirsty Rutter

Escaping the trap of legacy banking using a value stream operating model pp. 18-29

Ad Van Der Graaff and Ramya Raghavan

The impact of boards on prospects and performance of UK FinTechs pp. 30-39

Anita Kimber and Tom Hill

Building ecosystems in digital finance for innovation and inclusion pp. 40-53

Sarah Corley, Victor Malu and Aries Setiadi

Real-world assets in digital banking: Bridging traditional and digital finance pp. 54-74

Aly Madhavji and Jerry Xu

How banks and FinTechs can collaborate to engage customers to accelerate decarbonisation pp. 75-86

Emma Kisby

Top trends in digital transformation: pain points and opportunities pp. 87-98

Aman Virk

Volume 9, issue 4, 2025

Editorial pp. 292-293

Simon Beckett

Embedded finance: An evaluation of current and future use cases pp. 294-316

Silke Finken and Joris Hensen

Artificial intelligence ethics in financial services pp. 317-325

Keith B. Carter and Andrew Cave

Lessons learned from partnerships between banks and FinTechs: A game of value chain transformation pp. 326-339

Danijela Vukoslavović and Ivica Tatar

Opportunities for digital banking: Lived experiences of financially vulnerable customers in the UK pp. 340-352

Karen Elliott, Jehana Copilah-Ali and Magdalene Ng

The innovation paradox in banking pp. 353-372

Wasim Mushtaq

The marriage of application programming interface conformance and trust frameworks: Balancing innovation and security in open banking pp. 373-382

Mike Woods and Todd Schweitzer

Volume 9, issue 3, 2024

Editorial pp. 196-197

Simon Beckett

The future of financial services is not what it used to be: How can incumbent banks compete? pp. 198-210

Zilvinas Bareisis and Bob Meara

Beyond compliance: A new narrative for corporate banking with digital know your customer management — Navigating risks, unlocking opportunities pp. 211-221

Marcus Heidenhof and Jonas Manske

Analysis of the current status and development path of digital transformation in Chinese commercial banks pp. 222-237

Huang Kaihui, Zhang Yi, Wang Hao, Xiao Zhengjin and Yang Bo

Can the Digital Euro be made attractive to all key stakeholders? pp. 238-258

Michael Salmony

How the instant payment central infrastructure can be a payment solution at the same time — the Hungarian example pp. 259-272

Róbert Kiszely, József Czimer and Máté Biró-Lebovits

COVID-19 has not killed merchant acceptance of cash: Results from the 2023 Merchant Acceptance Survey pp. 273-286

Angelika Welte, Katrina Talavera, Liang Wang and Joy Wu

Volume 9, issue 2, 2024

Editorial pp. 100-101

Simon Beckett

Essential requirements for central bank digital currency pp. 102-109

David Chaum and Thomas Moser

Development of optimised causal AI and its application in retail banking pp. 110-117

Sai Chaitanya Molabanti, Lakshmi Kiran Kanchi, Venkateshwarlu Sonathi and Rajanikanth Annam

Navigating ISO 20022 maintenance in a connected world: A vision for harmonisation pp. 118-128

Melissa Gauci

Leadership evolution in the age of artificial intelligence pp. 129-137

Aris Jerahian

The evolution of exceptions and investigations messaging and flows pp. 138-149

Chloe Jenkins

The new era of Bitcoin: Profits, progress and potential in the inscription-driven crypto industry pp. 150-171

Hui Gong and Han Wang

Low/no-code and traditional code integration in digital banking pp. 172-188

Yeo Kim Siang and Alan Megargel

Volume 9, issue 1, 2024

Editorial pp. 4-5

Simon Beckett

Big Data in the financial industry: Applications, potential and regulatory approaches pp. 6-18

Joachim Wuermeling and Nils Müller

The journey towards a responsible AI future: Hype, fear and hope pp. 19-29

Theodora Lau

Data science in economy and finance: A central bank perspective pp. 30-48

Douglas Araujo, Giuseppe Bruno, Juri Marcucci, Rafael Schmidt and Bruno Tissot

Reskilling for the future: Enabling colleagues with a digital mindset who are ready for a future global digital era and platforms pp. 49-66

Helen Packard and Louise Liu

Innovations and resilience in Thailand’s payment ecosystem: A comprehensive analysis — Connectivity initiatives, challenges and solutions pp. 67-85

Budsakorn Teerapunyachai and Yanin Bawornkitchaikul

Enhancing the quality of banking technology platforms through a hybrid AI testing approach pp. 86-95

Iosif Itkin and Elena Treshcheva