IADI consults on the impact of digitalisation and financial innovation on deposit insurance systems

• IADI launches a public consultation to address the transformative effects of digitalisation and financial innovation on deposit insurance systems globally.
• This initiative reflects IADI’s commitment to ensuring deposit insurance systems remain resilient and effective in the face of rapid technological advancements and evolving financial practices.
• IADI invites stakeholders to provide input on key challenges and opportunities by 16 March 2026.

The International Association of Deposit Insurers (IADI) has launched a public consultation to address the transformative effects of digitalisation and financial innovation on deposit insurance systems globally.

The consultation focuses on understanding how emerging technologies, such as tokenisation and artificial intelligence, and new financial actors, such as fintech firms, are reshaping deposit insurance frameworks. It aims to foster dialogue on adapting these systems to protect depositors and promote financial stability in an increasingly digital environment.

The rapid evolution of digital technologies is transforming financial services, creating opportunities to enhance efficiency and financial inclusion. However, these advancements also introduce new risks to financial stability and challenge existing deposit insurance frameworks. The rise of digital deposit-taking institutions and fintech platforms accepting public funds raises critical questions about coverage under current frameworks. This highlights the need for deposit insurers to review their mandates, update risk assessment practices, and potentially expand their scope.

The consultation report explores three key areas:

• Innovative deposit-related products: Including tokenised deposits, stablecoins, and central bank digital currencies (CBDCs).
• Actors providing these services: Such as fintech firms and non-insured deposit-taking institutions.
• Technologies driving change: Including automation, artificial intelligence, cloud computing, and social media.

The findings aim to lay the groundwork for further dialogue and adaptation to the evolving financial landscape. The consultation questions address themes such as the coverage of emerging digital financial products, the role of new market entrants, the effects of technological advancements on operational resilience, the evolving behaviour of depositors, and the potential impact of CBDCs on financial stability.

IADI invites feedback on the report. Submissions are due by 16 March 2026.