An increasing number of central banks and fintechs are defying tradition and exploring new ways to send funds, settle payments and share information. Real-time payments, digital currencies and Open Banking support innovations compatible with the expectations of consumers versed in digital and will help drive digital commerce in the coming decades. On the other hand, faster payments open up opportunities for faster fraud; in addition, we must not forget data privacy when sharing information. Fintechs and Central Banks need to put in place mechanisms capable of identifying atypical patterns that can signal fraud. It is also important that the principles of Open Banking and data sharing are used responsibly and ethically in all products, services and technologies. The volumes of real-time payments will continue to grow in 2021, digital currencies will continue to become popular and data and consumer privacy will remain one of the most discussed topics. And with that, industry players...