The International Association of Deposit Insurers (IADI) has launched a public consultation on the impact of digitalisation and financial innovation on deposit insurance systems worldwide. The exercise seeks input on how deposit insurance frameworks may need to adapt to protect depositors and support financial stability as new technologies and business models change deposit-taking and payments. The consultation report examines three areas: innovative deposit-related products, including tokenised deposits, stablecoins and central bank digital currencies; the actors providing these services, including fintech firms and non-insured deposit-taking institutions; and the technologies driving change, including automation, artificial intelligence, cloud computing and social media. It flags that digital deposit-taking institutions and fintech platforms accepting public funds raise questions about how coverage applies under existing frameworks, with implications for deposit insurers’ mandates, risk assessment practices, operational resilience and depositor behaviour. Feedback on the report is due by 16 March 2026.

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