Perspectives

Every day, billions of people place their trust in financial institutions. But what is trust? How do we decide who deserves it? And how might new technologies change the way we create it in the future?

Everyone agrees on what better cross-border payments should look like. The real challenge is making it happen consistently, at scale within domestic markets—and that is where central bank action can make the difference.

In the financial system of tomorrow, what changes, what remains, and what’s essential?
Inspired by moderating a brilliant expert panel at Money 20/20 Europe, I wanted to share some thoughts on the future direction of our financial system. These musings are by no means fully formed. But in my role as head of innovation at Swift, I believe it’s our responsibility - as a convenor of the financial community - to articulate these ideas, share them and invite feedback.

What interoperability means in practice for tokenised deposits and why it’s critical for scaling globally.

With the G20’s 2027 milestones fast approaching, the focus is shifting to what progress can be delivered and scaled. What's been achieved so far? And what can institutions do to make the greatest impact?