Financial Innovation and Digitalisation: Impact on Deposit Insurance Systems IADI Report

2026

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This IADI report examines the profound impact of financial innovation and digitalization on deposit insurance systems, highlighting emerging opportunities and risks that require proactive adaptation.

* Explores digital alternatives to traditional deposits, including e-money, stablecoins, tokenized deposits, and central bank digital currencies (CBDCs).
* Analyzes the evolving landscape of market actors, including deposit-taking institutions and new entrants, and their influence on deposit dynamics.
* Assesses the opportunities and risks presented by digital technologies such as automation, social media, cloud computing, AI, and quantum computing for deposit insurers.

Tags: financial innovation, digitalization, deposit insurance, fintech, digital assets

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