Bold Ideas to Power Progress

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Digital settlements and choice

31 Aug 2026 | 5 min read

Digital settlements could transform financial settlement, but scaling them successfully will depend on regulation, governance, and liquidity management to preserve trust while unlocking efficiency across increasingly connected markets

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The trust dividend

31 Aug 2026 | 6 min read

The next era of financial services belongs to organizations that put AI at the frontline so employees can use it to improve customer interactions, anticipate needs, and increase transparency while keeping humans accountable for customer-facing decisions.

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Discover fresh ideas at the intersection of business and technology

The Kyndryl Institute convenes original thought, independent research and singular perspectives that slice through the noise to empower strategic decision-making.