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ABOUT THE BNY INSTITUTE
Anchored in BNY’s 240+ year history helping clients navigate global markets and building financial ecosystems, the BNY Institute brings together deep expertise and action-oriented analysis across a wide range of topics — equipping clients for a world that never stops changing.
Macro & Markets
Access data-driven perspectives to deepen your understanding of the operating environment, supported by timely analysis of macroeconomic conditions, market dynamics and geopolitical developments.
Future of Finance
Explore how innovation and policy are driving changes in market structure and reshaping the financial ecosystem — helping you anticipate what's next for global markets.
Client Themes
Unpack actionable insights to unlock business opportunities, grounded in the unique needs of different market participants.
SPOTLIGHT
Payments Without Pause: The Journey to a 24/7/365 Treasury and Working Capital Ecosystem
A guide to the rapidly changing landscape of the 24/7/365 payment ecosystem, including how to craft a strategy to meet demand and mitigate risk. Plus, the importance of AI for automating treasury and working capital.
ALL INSIGHTS
iFlow® Mood
BNY’s iFlow Mood Index* measures the differences in investor flows into developed market equities and short-dated government paper, capturing the “mood” for risk. Since recording a low after the first year of the pandemic, sentiment has generally been positive, with temporary dips around major supply shocks involving geopolitical and trade conflict. In the first weeks of 2026, the mood for risk has declined, with a pickup in equities selling against steady flows in core sovereign bonds.
*BNY's iFlow Mood Index is a measure of investor preference for stocks or bonds.
Source: BNY iFlow
FEATURED EXPERTS
BNY Institute content provides thought leadership and is not investment research. Views are the authors’ and may change. This material is for informational purposes only and does not constitute investment advice or an offer. For full disclosures, click here.