Independent editors who set our coverage priorities, review research, and uphold the methodology.
Former payments architect with two decades of work across instant rail design, RTGS modernization, and ISO 20022 migration programs. Anika oversees infrastructure coverage and methodology review.
Brussels-trained policy analyst with deep experience interpreting PSD2/3, MiCA, and the EU Instant Payments Regulation. Marcus leads the regulatory tracker and policy briefings.
Spent a decade at the intersection of applied AI and merchant operations. Lena oversees coverage of agentic commerce, AI risk decisioning, and intelligent personalization.
Field researcher and former central-bank advisor focusing on mobile money, instant rails across Sub-Saharan Africa, and the design of inclusive digital payment systems.
How peers and adjacent publications describe our work.
“CashlessTechnology has become a useful counterweight to vendor-funded research, focused on patient explanation rather than hype.”
“Among the most useful: CashlessTechnology's plain-language explanation of FedNow versus RTP, paired with an unusually rigorous source list.”
“When we need a quick, neutral background brief on a payments topic, CashlessTechnology is increasingly the first stop.”
“Their reports are exactly the kind of editorial intelligence corporate treasury teams should be reading regularly.”
The institutions, regulators, operators, and standards bodies most often referenced in our coverage.
| Type | Organization | Reference |
|---|---|---|
| research | Bank for International Settlements | CPMI publications on payments, clearing & settlement |
| operator | U.S. Federal Reserve | FedNow Service operational documentation |
| regulator | European Central Bank | Digital euro project documentation |
| standard | ISO | ISO 20022 universal financial messaging standard |
| regulator | U.S. CFPB | Section 1033 Personal Financial Data Rights rule |
| regulator | European Commission | Markets in Crypto-Assets Regulation (MiCA) |
| operator | Reserve Bank of India / NPCI | Unified Payments Interface specifications |
| operator | Banco Central do Brasil | Pix arrangement rulebook |
| operator | SWIFT | Cross-border payments and ISO 20022 migration |
| standard | FIDO Alliance | FIDO2 / WebAuthn passkey specifications |
| standard | PCI Security Standards Council | PCI-DSS 4.0 standard |
| regulator | Monetary Authority of Singapore | Project Orchid - purpose-bound money |
See our methodology and trust principles.