Unlock is Entelligencia's new series on the rebuilding of global finance. Four standing research programmes — Open Finance, Digital Banks, Payments, Digital Assets — feeding one annual convening for the leaders rebuilding the infrastructure of money.
Open banking has gone global. Real-time payment schemes are displacing correspondent banking. Stablecoins and tokenised deposits are entering the settlement layer. Digital banks are reaching scale and incumbents are being modernised on next-generation cores. The boundaries between banks, fintechs and crypto-native infrastructure are dissolving.
Unlock covers the rebuilding of finance from the infrastructure up. Four programmes run continuously across the year, feeding one annual convening positioned as the European answer to Money 20/20, with a sharper research spine. Less expo floor, more decision-maker convening. Year-long primary intelligence in the room.
A year-long research programme on the API layer remaking financial services. Covers the regulatory regimes — Brazil's Open Finance Brasil, the UK's evolution beyond CMA, the EU's FiDA proposal, Australia's CDR, Mexico's Ley Fintech — and the commercial infrastructure built on top of them: embedded finance, banking-as-a-service, account aggregation, payment initiation, and the unbundling of incumbent product lines.
A research programme on the global digital banking economy and the core modernisation wave reshaping incumbents. Covers the dominant challengers (Nubank, Revolut, Starling, Chime, N26, Wise, Kakao Bank, WeBank), the next-generation core providers (Thought Machine, Engine, 10x, Mambu, Pismo), and the strategic questions facing the sector — profitability paths, licensing arbitrage, expansion into credit and wealth, and the convergence with embedded finance.
A research programme on the rebuilding of global payments infrastructure. Spans real-time domestic schemes (Pix, UPI, FedNow, SEPA Instant), cross-border corridors and the displacement of correspondent banking, ISO 20022 migration, payments hubs and orchestration, and the emerging role of stablecoins and tokenised deposits in settlement. Tracks the central banks, scheme operators, networks, and infrastructure providers competing to own the next generation of money movement.
A research programme on the institutionalisation of digital assets. Covers tokenisation of real-world assets (treasuries, funds, private credit, deposits), regulated stablecoins and the post-MiCA / post-GENIUS Act landscape, central bank digital currencies (Drex, digital euro, e-CNY, Project Agorá), and the custody, settlement, and compliance infrastructure enabling regulated capital to move on-chain.
Across two days Unlock brings together the heads of digital, payments, technology, and strategy from tier-one banks; the founders and CEOs of the challenger banks and fintech infrastructure firms reshaping the market; the asset managers and custodians moving regulated capital on-chain; the central banks and scheme operators running the rails; and the regulators setting the terms.
Positioned as the European answer to Money 20/20, with a sharper research spine. Less expo floor, more decision-maker convening. The four Unlock research programmes feed primary intelligence directly into the room.
Open Finance, Digital Banks, Payments and Digital Assets, each with its own programmed half-day. Track research released in the room before going public.
Where margin is moving. Where regulatory arbitrage is creating winners. Where the next decade of bank profitability comes from. How banks, fintechs and crypto-native infrastructure converge.
Tier-one banks, the major challengers, the next-generation core providers, custodians, scheme operators, central banks and regulators. Chatham House on the closed sessions.
The four track methodologies, contributor lists and editorial spine confirmed. Initial round of senior conversations with founding readers. Annual convening venue and format locked in.
Track-level interviews and survey design completed across Open Finance, Digital Banks, Payments and Digital Assets. Closed-door working groups with founding readers.
A series of named discussion papers released to founding partners and the senior reader list. The shape of the annual report taking form.
Two days. Four tracks of research released in room. The senior cohort of European, US and emerging-market finance in conversation with the new infrastructure of money.
We are speaking with founding readers, contributors and partners across the four tracks. If your organisation has a credible stake in the rebuilding of global finance, we would like to hear from you.