Tech giants, which make up some of the world’s largest companies, are muscling into traditional banking spaces. But whether they want to crush the traditional finance players or enable them, they are learning across the globe that disrupting well-regulated banking systems is easier said than done

Instant cross-border settlements are opening up the market for new players to innovate. With diverse ideas in the payments sector, those looking to collaborate — and not necessarily within the banking sphere — will come out on top.

Peer-to-peer payment themes in India, Thailand, Australia, Hong Kong and the Philippines have taken off with varying degrees of success but adoption is hampered by lack of commitment, and in some cases, by high customer charges among the largest banks.

The market for charitable giving is evolving like other forms of commerce and establishing a firm digital presence