digital wallets
Policy & Regulation
Algeria’s First Fintech Sandbox Cohort: 20 Payment Startups Get a 2026 Test Lane
Bank of Algeria's first 2026 sandbox cohort opens 20 slots for PSP startups to pilot wallets, agents, and tiered KYC. Here's how to design the pilot.
Infrastructure & Cloud
Tiered KYC: How Instruction 06-2025 Unlocks Onboarding for Algeria’s Unbanked
Bank of Algeria's Instruction 06-2025 sets a 3-tier KYC ladder for PSPs — the onboarding blueprint for reaching Algeria's 57% unbanked adults.
Digital Economy
Algeria’s 57% Unbanked: How PSP Wallets Are Bridging the Financial Exclusion Gap
⚡ Key Takeaways 57% of Algerian adults lack a transaction account — the highest financial exclusion rate in North Africa...
Policy & Regulation
Algeria’s Fintech Regulatory Roadmap: From PSP Instruction 06-2025 to a Sandbox
⚡ Key Takeaways Bank of Algeria Instruction No. 06-2025, published 17 August 2025, created Algeria's first formal framework for Payment...
Digital Economy
Cards Hit 50% of Global Payments: The Tipping Point for Cash’s Decline
2026 marks the first year card credentials account for half of all global consumer payments. Cash fell from 44% of in-store spend to 15% in a decade.
Digital Economy
Digital Wallet Adoption Exceeds Credit Cards Across Asian Mega-Cities
Digital wallets reach 5.2B users globally in 2026 with 75%+ adoption across Asia-Pacific. By 2030, wallets will capture 80% of APAC online payments as credit cards fall to 7%.
Policy & Regulation
Algeria’s Open Banking Framework: How API Regulation Will Transform Fintech
⚡ Key Takeaways Bottom Line: Algeria’s PSP regulation creates licensed fintech entities, but without a formal open banking API mandate,...
Policy & Regulation
Algeria Fintech Summit 2026: PSP Licensing, PAPSS, and the Sandbox Era
Algeria's 4th Fintech & E-Commerce Summit arrives as PSP licensing, PAPSS integration, and regulatory sandbox provisions reshape the payments landscape.
Digital Economy
PayPal’s Decline: How Platform Wallets Are Dismantling the Original Fintech Giant
⚡ Key Takeaways PayPal’s stock has fallen 85% from its 2021 peak to ~$45, the company fired its second CEO...
Digital Economy
Visa Launches VDCAP: The Authentication Standard Reshaping Online Payments
Visa's VDCAP rewards merchants for sharing authentication data. How it fits the shift toward agentic commerce and AI-driven payments.
Policy & Regulation
Instruction 06-2025: Algeria’s PSP Framework Gives Fintech Its First Legal Playbook
Algeria's Instruction 06-2025 creates the first PSP licensing framework with 160M DZD minimum capital, three wallet tiers, and agent networks.
