Digital Payments: Scenarios, Security, and Collaborative Innovation

The world of digital payments is undergoing a huge transformation. The increasing adoption of digital tools, including in B2B transactions, the arrival of new fintech players, and the evolution of the European regulatory framework are reshaping the financial ecosystem. As a result, this change opens up new growth and innovation prospects for businesses but also demands greater focus on security, interoperability, and collaborative management models.

To explore these themes, a series of three videos has been produced by Francesca Trolio, Head of GTB Business Planning & Development at Intesa Sanpaolo, and Liliana Fratini Passi, General Manager of CBI.  These videos look at regulatory trends, new security protection solutions, and the outlook for collaborative innovation in the payments sector.
 

REGULATORY EVOLUTION AND NEW OPPORTUNITIES FOR BUSINESSES
 

The introduction of European regulations—the Instant Payments Regulation (IPR), the Payment Services Regulation (PSR), and the Financial Data Access Regulation (FIDA)—marks a turning point in the payments landscape. 

These are not merely measures designed to enhance transaction security, but tools that promote interoperability, transparency, and the availability of value-added services.

Instant payments are a strategic component. Available 24/7 and supported by preventive checks like IBAN-name matching (Verification of Payee), they contribute to efficiency and trust.

Meanwhile, PSR and FIDA aim to establish an integrated and interoperable ecosystem in which data can be shared securely and with user consent, enabling the development of new value-added services.

Therefore, businesses should integrate solutions compliant with the new standards into their processes. They should seize the opportunities offered by an increasingly integrated, competitive, and innovation-driven regulatory environment.

Watch the video on the regulatory evolution of digital payments

SECURITY AND INTEROPERABILITY IN DIGITAL PAYMENTS
 

Digitalization offers significant benefits in terms of speed, operational efficiency, and accessibility. However, it also brings with it risks related to cybersecurity, fraud, and the management of sensitive data. 

Sophisticated fraud and targeted attacks compel payment service providers (PSPs) and businesses to adopt continuous protection strategies and reinforce control measures, updating security protocols and promoting a company culture focused on prevention and digital risk awareness.

In recent years, the introduction of innovative tools has made digital payments more reliable and secure. The integration of preventive verification systems, advanced collection models, and interoperable systems helps reduce operational and reputational risk while improving service quality and user trust.

The support of specialised entities such as CBI, which develop compliant and scalable digital infrastructures, is a key enabler in building a secure, resilient, and prevention-oriented payment ecosystem. 

The adoption of technologies that anticipate market regulatory and operational demands is now a strategic lever in tackling the challenges of digital transformation with greater awareness.

Learn how these solutions work in the video dedicated to digital payment security.

COLLABORATIVE INNOVATION AS A GROWTH DRIVER
 

Innovation and collaboration: these are the pillars upon which the future of digital payments is being built.

Artificial intelligence has become a strategic ally in enhancing security, preventing fraud, and improving the user experience. Yet, these same tools can also be exploited by malicious actors, which makes the technological challenge even more complex.

Therefore, collaboration between banks, businesses, and system operators becomes essential. Sharing skills and resources develops common standards, ensures interoperability, and provides services that support business.

The collaborative approach promoted by CBI has thus become a benchmark model. It’s capable of translating regulatory and technological complexity into concrete opportunities for growth and competitiveness for Italian companies.

Watch the video on collaborative innovation to learn more.

THREE VIDEOS EXPLORING THE EVOLUTION OF DIGITAL PAYMENTS
 

Regulation, security, and innovation are three interconnected pieces of the same puzzle that is reshaping the world of digital payments. 

This is why a complete and complementary vision is required: understanding how businesses, banks, and system operators can jointly tackle current challenges is a strategic step to fully embrace future opportunities. 

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