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Data And Regulation

Global data protection regulations see intensive updates: November 2025 regulatory developments reshape the digital economy

In November 2025, major global economies intensively released data protection and cybersecurity regulations. The EU's Digital Omnibus simplified GDPR, India's privacy law finally took effect, the UK introduced a cybersecurity bill, and China increased fines for violations. How are these developments affecting the digital economy?

Marcus Vance7 min read
Data And Regulation

China's Cross-Border Health Data and AI Governance: From Strict Control to "Managed Openness"

Based on an Atlantic Council report, this article analyzes how China, under the pressures of data sovereignty, the AI race, and national security, is reshaping the rules for cross-border health data flows through a "managed openness" model, and examines its implications for multinational corporations and global digital governance.

Marcus Vance8 min read
Fintech And Payments

Open banking market to reach $240.3 billion by 2035: data-driven financial ecosystem reshaping the global economy

According to the latest report from Precedence Research, the global open banking market size is expected to grow from $35.72 billion in 2025 to $240.31 billion in 2035, with a compound annual growth rate of 21%. Behind this growth are the combined drivers of the API economy, fintech, and regulatory frameworks. Open banking is becoming a core variable in the reconstruction of financial infrastructure in the digital economy era.

Julian Sterling8 min read
Ai Economy

Generative AI market will reach $1.26 trillion by 2034: reshaping corporate business models and platform competition landscape

The generative AI market size is projected to grow from $103.58 billion in 2025 to $1.26 trillion by 2034, at a CAGR of 29.3%. North America dominates the market, with enterprise applications moving from experimentation to core business, driving profound changes in business models, platform competition, and the structure of the global digital economy.

Elena van den Berg6 min read
Digital Markets

AI investment theme evolution: from "tools" to services, platforms, and electricity

Standard Chartered Equity Chief Investment Officer Sundeep Gantori noted that the AI investment theme is shifting from hardware infrastructure to services, platforms, and energy. In Asia, China focuses on "tools," India on electricity, and other regions on platforms. This shift will reshape the business models and competitive landscape of the global digital economy.

Julian Sterling5 min read
Fintech And Payments

Philippines fintech accelerates remittance-driven financial inclusion: a new paradigm for the digital economy

With over $40 billion in remittances and more than 300 fintech companies, the Philippines is deeply integrating digital payments, open banking, and central bank digital currency experiments to reshape Southeast Asia’s digital finance landscape. This article analyzes its business logic, platform competition, and regulatory innovation.

Elena van den Berg5 min read
Global Trends

AI is reshaping the entry-level job market: Latest evidence from Stanford economist Brynjolfsson

Stanford economist Erik Brynjolfsson, in collaboration with ADP Research, analyzed salary data from 4.6 million U.S. workers, revealing the ongoing impact of generative AI on entry-level positions. The data shows that the employment rate of 22-25 year olds in high AI-exposure jobs has been declining at an average annual rate of 3.8%, while jobs with low AI exposure have grown by 2%. This trend has been widening since the launch of ChatGPT and cannot be explained by factors such as interest rates or excessive tech hiring. Brynjolfsson warns that AI is eliminating career "entry points," profoundly reshaping the structure of the labor market.

Marcus Vance6 min read
Fintech And Payments

Digital Finance and AI Agent Economy: Five Major Events Reveal New Landscape of Payment Infrastructure and Platform Competition

This week's five major events in fintech — Blackcat restructures BaaS, Revolut promotes 'Made in Europe' talent, Visa deepens AI payments, Crossmint launches agent card payment API, Wells Fargo executives discuss AI's impact on employment — collectively reveal the profound impact of the integration of digital payments and AI on business models and competitive landscape.

Marcus Vance7 min read