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News and resources on digital identity, trust, biometrics and Secure Customer Authentication.

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Expert opinions

Serhii Bondarenko

Serhii Bondarenko Artificial Intelegence at Tickeron

AI into Algorithmic Trading Based on Price Action, Volatility and Correlations

In the dynamic sphere of stock trading, the selection of an adept strategy stands as a pivotal cornerstone for day traders aiming to optimize their financial gains. Within this domain, my exploration focuses on two predominant strategies—Price Action and Volatility Analysis, rooted in technical analysis, and Correlation Models, which harness the p...

/inclusion /crime Artificial Intelligence

Ghazi Ben Amor

Ghazi Ben Amor VP - Corporate Development at Zama

How innovation in encryption is helping secure the credit card approval process

When the FCA fined Equifax £11 million for its role in one of history’s largest cyber security breaches back in October last year, it was a stark reminder of the fragility of our data ecosystem. Following the incident - which saw the credit bureau firm fail to manage and monitor the security of UK consumer data it had outsourced to its US-based pa...

/security /payments Fintech

John Bertrand

John Bertrand MD at Tec 8 Limited

Future of Payment Review: six-months on – Digital Payment Infrastructure

Joe Garner’s Future of Payment review published in 2023 on behalf of the UK Government reflected the complexity of the current instant payment UK environment. The situation has allowed the UK’s early leadership in global instant payments to decline. The UK is starting to fall behind in terms of person-to-person payments made by bank account transf...

/payments /regulation Banking Strategy, Digital and Transformation

Freddie McMahon

Freddie McMahon Director Strategy and Innovation at DF2020 Ltd

Towards AI Agents: addressing rule-based governance deficiencies

In the corporate governance landscape, the structural integrity of documented policy and procedural rules stands as a linchpin for organisational order and control. The analogue nature of these documents masks deep algorithmic weaknesses, leaving decision-making vulnerable to risks, often hidden in plain sight. Despite the advent of AI Agents offe...

/regulation /sustainable Artificial Intelligence

Prakash Bhudia

Prakash Bhudia VP of Dealing & Growth at Deriv

Market volatility: Understanding the drivers and how to navigate

Financial markets are inherently dynamic, with volatility that can unnerve even the most seasoned traders. To navigate turbulent periods, it’s crucial to understand the key drivers of market volatility, strategies to protect your positions and opportunities that arise during market dislocations. In this article, we’ll explore the VIX Index, the cu...

/markets

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Research

Survey

Definitive Differentiators - Forging a future-proof payments model

Over the last few decades, banks have been forced to reconsider their business model for transaction services. During the era of low-interest rates, the focus shifted to transaction revenues, and while the pendulum is now pivoting back to utilising the balance sheet for revenue growth, the amount of new regulations impacting the industry is ever-increasing. New technology and market regulation have fostered innovation and new market entrants. This “perfect storm” is exposing a number of potential threats for banks, but also new opportunities to expand the share of customer wallet and time to market, and drive cost efficiency through standardization. This Finextra survey report, produced in collaboration with Tietoevry, explores the key factors driving changes to payment models for different financial institutions and how they can wield continued or differentiated success in the evolving landscape.

569 downloads

Impact Study

APP Fraud Liability: A Guide for Banks

Fraud is running rampant. The UK Government's 2023 'Fraud Strategy' report highlighted that fraud now accounts for over 40% of crime, yet receives less than 1% of police resources. More needs to be done to ensure that the consumer is protected.  This is why, as per the Financial Services and Markets Bill, all PSPs will now be required to reimburse fraud victims from October 2024. In light of these upcoming changes, banks need to reassess how they manage liability associated with APP fraud and develop new methodologies in order to investigate and mitigate fraud more effectively.  This Finextra impact study, produced in collaboration with Form3, gives banks a guide to tackling the new APP fraud liability landscape. It highlights:  Risk scoring payments  Implementing the right intelligence  Considering false positives  Ensuring explainability  And more. 

544 downloads

Future of Report

The Future of Digital Banking in North America 2024

2023 was characterised by increasing amounts of uncertainty and a lack of clarity across the financial world. The collapse of banks, including Silicon Valley Bank, Signature Bank and First Republican Bank, in March 2023, added strain to already unsettled financial markets. While market volatility has remained relatively stable, soaring inflation and climbing interest rates slowed economic growth and this is expected to continue into 2024.  While forecasts regarding the length and severity of a possible recession are speculative, experts are even more divided about stock market predictions for 2024. Optimism is strong in many investors who expect that 2024 is the year rates will stop rising and predict bullish turns that will see markets soar to new heights. Yet with many other factors affecting North American markets, the only certainty we can expect as we look towards 2024 is more uncertainty. This Finextra report on the outlook of North American banking trends, is produced in association with Money20/20 and includes key insights and commentary from industry experts at EY and Mastercard.

723 downloads

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FinextraTV

Upcoming changes in PSD3: The impact on 3DS ACS solutions

Yogesh Patel, CTO at Outseer, discusses the impact of new PSD3 regulations on 3DS solutions, what should be front of mind for issuers as a result and what to expect from the VISA & Mastercard protocol updates. We hear how data science plays a role with 3DS solutions, the key capabilities to expect from an ACS and how consortium data can help catch more fraud, specifically for CNP transactions.

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Long reads

Madhvi Mavadiya

Madhvi Mavadiya Head of Content at Finextra

Identity verification: How to strike a balance between speed and security

Customers require faster speed and greater agility from their payments providers. This is now of paramount importance with emerging trends coming to the fore such as card-not-present transactions, adoption of contactless payments, and new financing options at the point-of-sale. As more transactions become digital, opportunities for financial crime...

Níamh Curran

Níamh Curran Senior Reporter at Finextra

The Future of Digital Identity: Separating the digital from the individual

This is an excerpt from Finextra’s report, ‘The Future of Digital Identity 2022: Inclusive, secure, fit for purpose.’ The majority of the world's population now has some form of digital identity. These can come from our own social media presence, but also our banks and the companies we use. “We are not in control of the number of identities we have...

Hamish Monk

Hamish Monk Reporter at Finextra

The Future of Digital Identity 2022: Equitable development and accessing digital identity

This is an excerpt from Finextra’s report, ‘The Future of Digital Identity 2022: Inclusive, secure, fit for purpose.’ The ability to prove one’s identity will soon be foundational to accessing many life-enhancing services, including healthcare, education, and in particular, financial services. Yet, 1.5 billion people around the world still do not h...