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Expert opinions Last 7 days total 32

Steve Haley

Steve Haley Director of Market Development and Partnerships at Mojaloop Foundation

The Evolution of National Payment Systems and the Rise of Digital Sovereignty

Countries are increasingly modernizing their national payment systems to include the 1.4 billion underserved individuals within the digital economy, particularly those who rely on mobile phones and have limited access to traditional bank branches. Integrating unbanked and underbanked citizens into the digital economy allows central banks in emergi...

Matt Ryan

Matt Ryan Chief Transformation Officer at Reef

Keeping Customers Loyal When There Is Too Much Choice

93% of consumers compare products online before making a purchase, and with more choice than ever, particularly when it comes to financial services, wealth management and digital asset management, the amount of choice can be confusing. For potential clients, it can be tempting to pick whatever’s easiest rather than struggle to find the best produ...

/people /wealth Trends in Financial Services

Anne Willem De Vries

Anne Willem De Vries Co-founder and CEO at Silverflow

Legacy Systems Are Holding Payments Back

Despite processing millions of payments a day, the payments industry is being held back by outdated technology that has become too integral to replace or integrate with – until now. Legacy systems are already costing the payments industry $36.7 billion per year, a figure that is expected to rise to $57.1 billion by 2028. Rather than addressing sin...

/payments /cloud The Payments Business

James Smith

James Smith MD at Dsruptiv Ltd

What might a Labour government mean for Fintech and Payments in the UK?

A Labour government in the UK could have significant implications for the Fintech and Payments sectors. Key areas that might be affected include changes to the finance landscape, financial services policy, regulation and oversight, innovation, competition, financial inclusion, international positioning, digital infrastructure and education. Here’s...

/payments /startups Fintech

Anup Chandrashekar

Anup Chandrashekar Vice President at Sonata Software

Transforming Banking: Generative AI's Role in Driving Innovation and Resilience

In the dynamic realm of banking, innovation has been the cornerstone of evolution and customer satisfaction. From the pioneering days of ATMs to the digital revolution brought forth by internet and mobile banking, financial institutions have always been at the forefront of embracing technological advancements. Today, as we embark on the cusp of a ...

/ai /retail Artificial Intelligence and Financial Services

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Todd Cribb

Todd Cribb AVP Senior Product Manager at Commerce Bank

Pavel Perfilov

Pavel Perfilov IT Manager (engineering) at hedge fund

Mila Khrapchenko

Mila Khrapchenko Co-founder and co-CEO at Ameetee

Henrik Grim

Henrik Grim CEO and Co-founder at Mimo

Research Total research pieces 250

Survey

Payments Modernisation: The Big Survey 2024

Welcome to the fourth edition of The Big Survey. Our annual report, surveying 350 senior bankers across the globe, offers a unique vantage point on the ever-evolving landscape of payments modernisation. Over the years, we’ve uncovered fresh developments and enduring challenges alike, painting a detailed picture of the industry’s trajectory. As we navigate 2024, the financial services sector is in the midst of profound transformation. Our latest insights highlight the critical need to modernise payment systems swiftly and effectively, driven by rising customer expectations and stringent regulatory demands.  Download our 2024 survey to learn about:  The current state of capabilities  Why payments architecture is more flexible than ever before  Financial institutions’ budgets and spending priorities  The global drive towards real-time and cross-border  And much more. 

344 downloads

Future of Report

The Future of Digital Banking in Europe 2024

A Money20/20 Special Edition. In 2023, fintech investment in the EMEA region dropped to $24.5 billion, down from $49.6 billion in 2022 – a seven year low.  Macroeconomic and global political conditions are creating challenges for growth, with upcoming general elections around the world adding to the uncertainties in financial ecosystems. Despite these challenges, the outlook for European digital banking remains positive.  The region continues to lead in innovation within the financial sector. This Finextra report, a Special Edition for Money20/20 Europe, features interviews with key players in the European financial services and fintech industries. It includes insights from Vodeno, EY, J.P. Morgan, Swift, Tink, and TrueLayer, and explores the following topics that will be addressed in Amsterdam: Hyper-personalisation: Moving towards super apps  Embedded payments driving the Banking-as-a-Service revolution  Variable recurring payments: The next step in European open banking  Is Europe ready for MiCA? From Web1 to Web3, or Markets1 to Markets3  How European fintech is facing macro challenges 

600 downloads

Impact Study

Fraud and AML Case Management: How to Operate at the Speed of Risk

The digital revolution has fuelled a surge in transactions, while economic turmoil, geopolitical tensions and shifting regulations have emboldened sophisticated financial criminals. As a result, fraud is costing financial institutions more than ever before.  Traditional siloed systems and manual process have left financial institutions vulnerable by drowning investigators and analysts in data, while starving them of actionable insights to stay ahead of risk.  This Finextra impact study, produced in association with NICE Actimize, explore how institutions can bolster their fraud management and anti-money laundering (AML) prevention systems to stay ahead of risk, reduce operational costs and investigations time, and meet changing business and regulatory requirements.  We cover:  How to resolve siloed case management  How to fix fractured data  How to create a faster, more intelligent workflow  And more. 

354 downloads

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Building the bank of tomorrow

At EBAday 2024, Tsvetanka Nankova, Global Head of Sales, Institutional Cash & Trade Finance, Deutsche Bank, discusses what banks need to do to stay in the game and the key trends driving transaction banking innovation. A new wave of technology and digitalisation is emerging, and with this, and the way in which data and analytics is leveraged is also changing. The discussion explores the critical technology of the future, which includes AI, cloud and blockchain settlement, in addition to the regulations that are setting the guardrails for innovation.

Long reads Total long reads 985

Hamish Monk

Hamish Monk Reporter at Finextra

How to prevent a cyber-attack

In June, Russian ransomware-as-a-service gang, Qilin, stole data covering 300 million NHS patient interactions – and demanded an alleged £40 million for its return. The leak meant that two of the health service’s biggest trusts, King’s College hospital and Guy’s & St Thomas’, “had to cancel 1,134 planned operations, including cancer and trans...

/crime

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

UK and US elections 2024: How inflation and perceptions are influencing votes

In the UK, it’s contributed to “consumers addicted to ‘financial doomscrolling’ fuelled by economic angst”, according to a recent survey by FIS. In the US, it’s marked by an electorate feeling ‘shakier’ about the economy and licking their wounds from previously soaring post-pandemic prices across nearly every buying category. What are we talking...

/markets

Paul Kelly

Paul Kelly Director, Security Business Group at Microsoft

How FSI companies can leverage AI to enhance cybersecurity

With generative AI, UK financial services companies have an opportunity to unlock new possibilities through innovation, which can help them boost their resilience amid increasing cybersecurity threats. This will help them to better serve customers, increase growth and contribute to the country becoming an AI global leader. The financial services i...

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