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Converging digital asset frameworks across Africa are set to strengthen the region’s appeal to payments firms that favour consistent, enforceable regulation.

The investigation by a coalition of seven Democratic state attorneys general (AGs) is scrutinising buy now, pay later (BNPL) providers, seeking answers to questions on consumer protection.

New Zealand’s open banking regulations have come into force, activating mandatory data sharing and payment initiation rules under the Customer and Product Data (CPD) Act 2025. The regulations came into effect on December 1, 2025, imposing customer and product data sharing obligations on the country’s four largest banks: ANZ; ASB; BNZ; and Westpac.

The EU Directive on Administrative Cooperation ( Directive 2011/16/EU) governs tax cooperation between member states, with DAC8 referring to the eighth amendment of the directive. DAC8 is focused on improving tax transparency and closing any gaps, particularly with respect to crypto-assets. DAC8 was published in the Official Journal of the European Union on October 24, 2023. EU member states have been provided with the transposition deadline of December 31, 2025, with the application deadline being January 1, 2026.

By inviting payment service providers (PSPs) to participate in a 12-month trial to assess the operational readiness of the digital euro, the authority is giving them insight into its functionality and the chance to influence its further development.

The regulator’s finding that only limited friction exists between new artificial intelligence (AI) obligations and established banking and payments rules paves the way for coordinated oversight as implementation begins.

EU accession pressure is one of the key drivers of the initiative, as the country seeks to position itself as a credible, well-regulated market, although some commentators have expressed concerns about the adequacy of privacy protections.

The Financial Conduct Authority expects firms operating in the UK to give customers a clear understanding of the total cost of sending money overseas, including FX mark ups, fixed and variable fees and any deductions that may occur along the transfer chain. This playbook gives organisations a structured way to review, strengthen and evidence their approach to international payment pricing transparency.

On September 17, 2025, the Financial Conduct Authority (FCA) published Consultation Paper CP25/25: Application of the FCA Handbook to Regulated Cryptoasset Activities. The paper sets out the FCA’s proposed framework for extending key provisions of the FCA Handbook that are applicable to existing firms regulated under the Financial Services and Markets Act 2000 (FSMA) to firms undertaking regulated crypto-asset activities. CP25/25 represents a significant shift into full-scope crypto UK supervision to date, moving the sector from a registration-only model towards a comprehensive authorisation and oversight regime. This positions crypto-asset service providers (CASPs) on a regulatory footing far closer to that of traditional financial institutions.

The details of the updated EU payments regime are becoming clearer, with negotiators aiming to deliver a more open and competitive payments sector that places strong emphasis on consumer protection.