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For a fairly long time, banks have been having different "account plans" with different fees, features and balances. Any idea how Citi's new "relationship tier" is any different from those?

How exactly is this Central Bank Digital Currency (CBDC) when I don't spot any Central Bank in the payment value chain?

Not sure why you think these are futuristic. Cardlytics and a few other companies have been making targeted offers of proximate competitors' products / services based on their credit card transaction history. Four years ago, I proposed Open Banking Coin for rewarding banking data in Open Banking Needs A Blockchain Boost. ShopIn and a few other companies have given rewards for shopping data. 

2012: Bitcoin was a good way to do crime in 2012.

2023: Bitcoin is a bad way to do crime in 2023.

Also 2023: Bitcoin is retrospectively a bad way to have done crime in 2012.

Exhibit A: Ability of Chainalysis and other blockchain tooling to help solve crime with retrospective effect.

Also Exhibit A: USA v. James Zhong. H/T @matt_levine

Kudos to Klarna for scaling new GMV heights.

Oh, c'mon, what does this have to do with regulation?  

I want to buy something. I don't have enough money. The seller offers to give me installment purchase aka BNPL. I take it or I leave it. There's no role for regulator.   

IMO, the moment I don't have enough ready cash, then it's not affordable. No amount of rulemaking can create a tenable notion of affordability once a transaction enters credit mode. Howsoever regulation defines affordability - e.g. EMI should not exceed 35% of take home pay - and decrees that so-and-so EMI is not affordable, there's nothing stopping the lender from increasing the loan tenor, reducing EMI and claiming that, voila, the loan is now affordable.

Thank God UK politicians have realized this and decided to stay away from regulating BNPL.

Probably nothing but can't help thinking of what happened in the case of the last payment tech company from Europe that saw a massive single day decline in its stock price.

TY for the clarification. 

The A in APP stands for Authorized. By definition, Fraud means Unauthorized. Therefore, "APP Fraud" is an oxymoron. Ergo I call it APP Scam.

As industry insiders know, if a payment fails to go thru' in STP mode, banks will always find a way to delay it by days to earn float. I wouldn't want my incoming payments to be stuck on the grounds that my bank is doing some vague KYC checks. I thought consumers fought for FPS only to prevent banks sitting on their money, it would be a pity if they have to go back to the good old days of T + 5 days just because a thin minority of customers makes incorrect payments.  

Banks can do a lot of things they should be restricted to what they MUST do. That is Name Check. If CoP is deficient, it should be improved and made fit for purpose. It should also be made mandatory for all banks to join CoP.

I thought Confirmation of Payee on Sender Bank side already offers a way for Payors to check that the beneficiary of an outgoing payment matches the name on the beneficiary bank account at the Receiver Bank.

Not sure why Receiver Bank needs to do anything.

Oh c'mon, I also know that Blockchain and Crypto are technically not the same but I haven't come across too many blockchains shilled by non-crypto companies, so blockchain and crypto are the same for all practical purposes.