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2024 has been a busy year for the payments compliance space — and a busy year for our 91����ԭ�� customers. With our coverage spanning topics such as open banking, operational resilience, and fraud, 91����ԭ�� users have had plenty of insights to read and payments trends to keep up with.

In this blog, we reveal 91����ԭ��'s most read articles from 2024 — exclusive to 91����ԭ�� customers only.

2024 Payments Trends: In a Nutshell

Many 91����ԭ�� customers focused on operational resilience, consumer protection rules, and payments innovation.

Highlights spanned a variety of jurisdictions, with interest in not just EU and UK developments, but also what has happened in the US and Australia, with a focus on issues including anti-money laundering and card payment fees.

Discover the top five topics our customers — and your industry peers — stayed updated with in 2024 below:

‍Open banking and open finance

Open banking and open finance have dominated 91����ԭ��’s coverage this year, due to the US leap forward on open banking with the Consumer Financial Protection Bureau (CFPB) finally issuing compliance requirements for banks and payments firms alike on data sharing, the UK government giving a nod to the potential of open banking and open finance in the National Payments Vision, and the EU’s progression with the Financial Data Access (FiDA) framework.

Most-Read 91����ԭ�� Article Titles:

• ‍Rule 1033 'A Significant Evolution' For US Open Banking
• CFPB's Final 1033 Rule A Missed Opportunity For Some, Despite Progress
• UK Government Focuses On Open Banking In National Payments Vision
• Exclude Big Tech From Open Finance Framework, MEPs Say
• European Council Reaches Agreement On Open Finance Framework

‍Operational Resilience

Unsurprisingly, considering the EU’s Digital Operational Resilience Act’s enactment in January, operational resilience was another topic that never strayed far from the headlines. Instead of having a brat summer, many compliance officers were slaving away in Europe on their plans for how to comply with burdensome and prescriptive rules related to ICT risk management and critical third party providers. Next year, DORA moves from the planning stages to an actionable compliance framework, and firms will need to be ready for Europe’s new normal.

Most-Read 91����ԭ�� Article Titles:

• ‍EBA Issues Last-Minute DORA Q&As
• Swedish Firms Facing Challenges As DORA Implementation Nears, Regulator Finds
• DORA Deadline Is Closer Than You Think, Dutch Central Bank Warns

PSD2, and beyond!

In Europe, deliberations over what comes next for the Payment Services Directive (PSD2) and the implications of that for the payments industry, continued to dominate 91����ԭ��’s most read reporting. This included looking at topics such as the adoption of a position by the European Parliament on PSD3 and the Payment Services Regulation (PSR) and how a top EU court has effectively changed the game for payments and e-money institutions in the EU.

Most-Read 91����ԭ�� Article Titles:

• ‍European Parliament Adopts PSD3 And PSR
• Top EU Court Decision Re-Aligns Payments And E-Money Requirements
• EU's PSR 'The Last Sweep' For Commercial Agent Exclusion
• Surcharging Becomes PSD3 Wedge Issue
• EU Considers Potential Impact Of Limited Network Exclusion Changes Under PSD3

Enforcements

This year, 91����ԭ�� took a closer look at the topic of enforcement, and even launched an enforcement tracker for Europe. This saw us pay closer attention than ever before to where regulators were turning their ire to, and how firms were responding.

Most-Read 91����ԭ�� Article Titles:

• ‍HSBC Sued For 'Systemic' Failure To Protect Customers In Australia From Scams
• Visa Comes Out Fighting Against 'Meritless' US Justice Department Lawsuit
• Apple And Goldman Sachs Gloss Over CFPB Enforcement
• New Rules To Reduce Enforcements A 'Win-Win' For Lithuania's Payment Firms

Fraud and scams

Last but not least, how could we forget the topic of fraud? As with previous years, it has been a constant for firms as they grapple with not only increasingly complex scam processes, but also new, tougher requirements from government and regulators in countries globally, most notably with the Payment Systems Regulator in the UK creating mandatory reimbursement rules for authorised push payments.

Most-Read 91����ԭ�� Article Titles:

• ‍Concerns Remain As £85,000 UK Reimbursement Cap Takes Effect
• Meta Platforms Flagged As Scammers' Haven In New PSR Report
• Singapore To Introduce New Reimbursement Rules For Phishing Scams
• California Wire Fraud Bill Faces Uncertain Future
• Cross-Industry Collaboration Key In Fight Against US Payments Fraud

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Dive Deeper into 2025: Payments Compliance 2024 - A Year in Review

On the 12th December, we hosted a webinar that reflected on developments in the payments industry in 2024 through a global lens. This webinar highlighted some of the key events that helped shape the compliance landscape, and included some key predictions for 2025. Catch the full recording on demand here.

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That's 2024 wrapped! Sound like the kind of topics you were searching for this year?

Why not book a demo with a member of the 91����ԭ�� team to discuss a 91����ԭ�� PaymentsCompliance subscription, so you can save time next year and stay ahead of fast-changing regulatory updates with full access to our regulatory updates, insights, and analysis.