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AIR is a global nonprofit, non-membership organization dedicated to ensuring that the digital transformation of finance is matched by digital transformation of financial regulation, equipping regulators to meet their mandate to make the financial sector resilient, inclusive and fair.

Financial regulation should be a potent force for good. It should operate as an invisible force in people’s lives, ensuring that consumers are shielded from discrimination and abuse, that small businesses can access capital, that criminals cannot use the banking system to hide illicit activity, and that financial catastrophes are averted. AIR educates, connects, and supports the regulatory ecosystem to help realize these goals.

The Latest


WHITE PAPER • A Purposeful Journey into Digitization: Lessons Learned from MDI Digital Modernization Programs

This paper underscores the essential role Minority Depository Institutions (MDIs) play in supporting marginalized communities, while offering a road map for these institutions to remain competitive in the digital financial services landscape.

TECHSPRINT • TechSprint to Combat Digital Payment Fraud in West Africa

The Alliance for Innovative Regulation (AIR) is hosting a virtual TechSprint focused on detecting and combating digital payment fraud in West Africa.

Cover image of AIR's white paper "From Legacy Systems To Cutting-Edge Tech: A Financial Regulator’s Odyssey" displaying a lighthouse in tumultuous waters.

WHITE PAPER • From Legacy Systems To Cutting-Edge Tech: A Financial Regulator’s Odyssey

Written by AIR CIO Nick Cook, this paper aims to offer strategic guidance, technology insights, and advocate for cultural and organizational adaptation within financial regulatory bodies to embrace digital transformation.

INITIATIVE • AIR Initiative to Create Digital Transformation Road Map for MDIs

The MDI ConnectTech initiative helps participating Minority Depository Institutions assess their technology capability, identify digital offerings to benefit their customers, and establish a road map to implement third-party digital solutions.

PODCAST • The Financial Regulators’ Odyssey: AIR’s Innovation Lead Nick Cook

AIR’s Nick Cook discusses the “Financial Regulators’ Odyssey” — the journey that lies ahead for virtually every financial regulatory body in the world, in catching up their own technology and cultures to the age of digitized data and AI.

MDI white paper brief

ARTICLE • The Survival Of Minority Depository Institutions Requires A Journey To Digitization

This brief focusing on key stakeholder actions to support MDIs is a companion to the white paper titled “A Purposeful Journey into Digitization: Lessons Learned from the MDI Digital Modernization Pilot & ConnectTech Programs.”

WHITE PAPER • AI: Transforming the Future or Triggering Fear?

Authored by AIR Senior Advisor and former global regulator F. Christopher Calabia, this paper examines the transformative potential and risks associated with the deployment of generative artificial intelligence (GenAI) in the financial services sector.

Michael Wiegand with Jo Ann Barefoot on the Barefoot Innovation Podcast

PODCAST • How to Include Everyone: The Gates Foundation’s Michael Wiegand

Michael talks about the global evolution of financial inclusion and the Bill & Melinda Gates Foundation’s ongoing efforts. Learn about digital financial inclusion, consumer protection, digital public infrastructure, and barriers to fair finance.

BLOG • Recapping MDI Innovate: A Purposeful Journey into Digitization

Finding solutions to help minority depository institutions (MDIs) thrive was the central theme of AIR’s high-powered conference, “MDI Innovate: A Purposeful Journey into Digitization,” which took place May 2nd in Washington, D.C.

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