Perspectives on technology, architecture and regulation.

Analysis and points of view on the decisions financial institutions face: regulatory change, architecture choices, and turning strategy into execution.

PAPSS : un paiement, trois perspectives — client, banque, banque centrale
October 8, 2026
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Simulateur interactif

PAPSS : comprendre les enjeux, préparer vos décisions

Examinez les possibilités de PAPSS du point de vue du client, du dirigeant de banque et du gouverneur de banque centrale. Identifiez les responsabilités, les capacités à développer et les arbitrages à préparer.

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August 12, 2026
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6 min read

The Code du numérique is an architecture decision

The DRC's Code du numérique makes local hosting the default rule for personal data and every export a derogation. That is not a legal question — it is an architecture constraint, and it has been in force since 2023.

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August 12, 2026
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6 min read

The supervisor is also the supervised

A central bank reading the DRC's Code du numérique as a text to enforce will miss the first thing it does: it makes the central bank itself a supervised entity, audited by another agency.

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