Market analysis, economic research, and fintech insights from the Kestrion Bank research team. Stay informed with institutional-grade data and analysis.
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Digital banking adoption in Europe grew 18% YoY
ECB Digital Finance Report
Cross-border payment volume up 23% in H1 2026
Kestrion Internal Data
Neobank customers now average 2.4 accounts each
McKinsey Financial Services
Real-time payment completion under 5 seconds in 34 countries
FIS Worldpay Report
Digital transformation, rising rates, and the future of neobanking
Our quarterly analysis of global banking trends, covering digital adoption rates, central bank policy impacts, neobank profitability metrics, and cross-border payment volumes. Based on proprietary data from 3,200+ business accounts and 100,000+ individual customers.
How consumer demand for cross-border payments is driving a new generation of multi-currency accounts. We analyze adoption rates, usage patterns, and the impact on traditional FX revenue models.
The digital euro is moving from theory to pilot phase. We examine how CBDCs could reshape payment infrastructure and what it means for digital-first banks like Kestrion.
Currency movements in MENA, Sub-Saharan Africa, and Southeast Asia. We look at volatility drivers, hedging strategies, and opportunities for multi-currency account holders.
Embedded finance is projected to be a $7 trillion market by 2030. We explore how API-first banking platforms are enabling non-financial companies to offer banking services.
A comprehensive analysis of central bank forward guidance across the US, Europe, and UK. How rate decisions impact savings rates, lending margins, and cross-border capital flows.
PSD3 discussions, variable recurring payments, and the expansion of open banking beyond payments into lending, insurance, and investments. Where we are and where we're going.
Which neobanks have achieved profitability and how? We analyze unit economics, cost structures, and revenue diversification strategies from Revolut, N26, Monzo, and others.
A technical comparison of instant payment rails in Europe. Speed, cost, reach, and adoption metrics for businesses choosing between SEPA Instant and SWIFT gpi.
How machine learning is transforming risk assessment, customer service, and product personalization. Real-world case studies from banks deploying AI at scale.
How persistent inflation is reshaping consumer behavior, savings patterns, and payment preferences across European markets. Data-driven insights from our customer base.
Virtual card usage has grown 340% since 2023. We examine why consumers and businesses are adopting disposable cards and what it means for payment security.
How digital banks are incorporating ESG metrics into investment products, lending decisions, and corporate reporting. The demand for green financial products is growing.
Legacy AML systems cost banks billions annually. We review the RegTech solutions that are reducing false positives, cutting costs, and improving detection accuracy.
With the EUR/USD fluctuating around parity, we analyze the macro factors at play: monetary policy divergence, energy prices, and capital flow dynamics.
BNPL is maturing into embedded lending — integrated credit at the point of sale with better underwriting. We examine the shift and its implications for banks.
Which countries have achieved widespread real-time payment adoption? A comprehensive overview of RTP infrastructure across 50+ markets with adoption metrics.
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