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Expert opinions

Steve Round

Steve Round Co-Founder at SaaScada

Why responsible data use means better banking experiences

One concern that’s arisen during the Farage debanking scandal has been the question of how responsible banks are when handling our data and meeting their customers’ needs. Whilst the Farage fiasco has obviously given rise to concerns about the use and potential disclosure of data held by financial institutions, it is important to remember that dat...

/risk /cloud

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

The San Francisco Fed Anticipates Crumpling Inflation

The San Francisco Fed forecasts where inflation, lead by housing, will likely go next. Housing is the only category of inflation where you can look back a year and get a sense of what's coming next month. Housing inflation makes up the largest part of the consumer price index (CPI). It's calculated based on something known as owners' equivalent ren...

Clare Rowley

Clare Rowley Head of Business Operations at Global Legal Entity Identifier Foundation (GLEIF)

The Value of the LEI in Cross-Border Payments: Enhancing Corporate Invoice Reconciliation

The need to harmonize cross-border trust services continues to grow in line with the ever-increasing volume of trade and commerce taking place across digital platforms, globally. In this effort, the LEI can play a fundamental enabling role. The Financial Stability Board (FSB) has already endorsed the LEI for supporting the goals of its G20-endorsed...


Raja Creditmantri@123

Raja Creditmantri@123 Business Analyst at Creditmantri

Essential Considerations Before to Applying for Your First Credit Card

Embarking on the journey of acquiring your inaugural credit card marks a significant financial milestone. This decision, however, warrants careful deliberation to ensure it aligns with your unique circumstances. In this comprehensive guide, we'll delve into the pivotal factors you should ponder before taking the plunge into the realm of credit car...


Nick Green

Nick Green Director at Purple Patch Broking Ltd

Transparency in credit data: What does it really mean?

From determining eligibility for a new loan to assessing financial vulnerability, credit data plays a pivotal role in financial decisions. Yet, how often do we pause and ask: How transparent is this data? When we discuss 'transparency' in the context of credit data, it's not just about clear reports or scores. It delves deeper, probing the integrit...

/risk /retail Banking



Lorena Duguid

Lorena Duguid Sharing insights at Intanify

The Myth around Software Patents



Future of Report

The Future of Fintech in Africa 2023

Across fintech - digital banking, digital payments, personal finance, lending, and investment - data is central to the function of all these technologies and the most important source for the analysis of financial products and services, bridging the gap between data security and customer satisfaction. Many organisations, countries and regions have forged ahead in leveraging data, cloud, blockchain and AI to their advantage – one such continent is Africa. Two years after the global financial crisis, Kenyan payments, money transfer and micro-financing service M-Pesa became the most successful mobile phone based financial service in the developing world. This was also just three years after its launch by network operators Vodafone and Safaricom. Further to this, transaction flows sent by banks have grown by an average of 10% year-on-year during this 10-year period. Alongside this, mobile money payments have exploded, with the monthly value of transactions increasing 25 times over between 2010 and 2018. The digital payments market has matured faster in Africa than it has in Europe: the number of electronic payments in France grew from 33 million in 2009 to 61.5 million in 2018, but in Nigeria, the number of electronic payment transactions grew from 66 million in 2008 to over two billion in 2018, according to Statista. Further to this, the number of digital payments users is slated to amount to a staggering 611 million users by 2027. However, Africa’s largest market will be digital investment with a total transaction value of $994 million in 2023 and the digital assets market is expected to show a revenue growth of 36% in 2024. It is evident that Africa is on the rise and leveraging technologies such as AI, blockchain, cloud, and data will only allow the continent’s fintech firms to excel across the digital banking, digital payments, personal finance, lending, and investment sectors. This Finextra report, produced in association with Kora, compiles expert insights from a range of firms, including: Binance, Cloud Africa, Data Scientists Network, JUMO, Mojaloop Foundation, TymeBank, and Yoco, and provides predictions for the future of fintech in Africa. 



Rebundling: The Next Stage of the Fintech Evolution

The next stage of the fintech evolution is rebundling. At the core of the industry, the catalyst for fintech evolution has continued to be disruption and innovation, but not one banking or financial services issue can simply be resolved with only disruption or innovation. After the global financial crisis of 2008, it would have been unusual to have more than one or two banking relationships. However, the emergence of an open playing field, and with the application of the Second Payment Services Directive – more commonly known as PSD2 – across Europe, non-financial businesses were able to leverage open banking and open finance initiatives to offer financial services directly to their customers. This, in turn, widened the competition and resulted in the birth of fintech businesses that each focused on attacking one part of the banking value chain – be it payments, lending, FX, or another type of offering. Slow, complex, and expensive processes were no longer the status quo; and alternative players started to disintermediate the incumbents. These new entrants increasingly became popular because of their intention to improve customer experience and provide better products and services than the banks could – and in many cases, disruptors were both better and cheaper than the banks. Additionally, new fintech channels and platforms have become viable competitors to traditional players, tempting consumers away from the institutions they trust in favour of better user experiences. Now it is not unusual for people to have up to 15 financial apps downloaded on to their mobile phones. This Finextra impact study, produced in association with Banking Circle Group, explores the evolution of fintechs and Big Techs from unbundling towards rebundling of financial products and services to the benefit of customers, as well as providing examples for the modernisation of banks and financial institutions.



The Future of Wealth Management 2022

A sector at the beginning of its digital renaissance. Increased digitisation of goods and services throughout the 2010s gathered pace long before Covid-19 turned the global outlook on its head. The pandemic served only to reaffirm this shift to digital as a matter of urgency.    The wealth management sector was not spared the upheaval; however, it appears to be emerging from the crisis with an invigorated sense of progress.    The disruptive forces of digitisation and Covid-19 are now joined by a groundswell of consumer expectation. This is clearly witnessed in the soaring uptake of retail investment tools and applications, greater access to financial instruments and widespread revolt against the traditional inaccessibility of financial services.  This report, the Future of Wealth Management 2021 with interviews from Accenture, Coutts, Hargreaves Lansdown, Nutmeg, Oxford Risk, Tilney Smith & Williamson, and UBS Global Wealth Management will explore the forces currently shaping the industry. It will examine not only what these forces are, but how and why they form the structural foundation for a sector which is at the very beginning of its digital renaissance.




Finastra & Thunes: The Global Benefits & Potential Of Alternative Payment Rails

In the final episode of this 4-part FinextraTV series, Dawei Wang, Head of Strategic Partnerships, Thunes, and Tim Forster, Director, Sales and Strategic Partners, Financial Messaging Marketplaces at Finastra, discuss hot spots for cross-border payments. Exploring specific regions and markets, we cover cross-border payment democratization, the role of alternative payment rails in encouraging Financial Inclusion and reaching ESG goals, the business benefits they offer and how the trend extends to the US and Europe.


Long reads

Paige McNamee

Paige McNamee Senior Reporter at Finextra

What does the Digital Securities Sandbox mean for UK capital markets?

Last month, the UK Government opened consultations into the introduction of a Digital Securities Sandbox (DSS), a means to test and explore the potential offered by digital securities in financial markets. The DSS will encourage industry players to test financial market infrastructures (FMIs) that leverage digital asset technology, by enabling fir...

Ekaterina Almasque

Ekaterina Almasque General Partner at OpenOcean

Why the UK Government needs a more strategic R&D investment policy

The UK’s start-up ecosystem plays a crucial role in securing the country’s status as a premier investment destination for both foreign and domestic firms, driving innovation and economic growth for the entire nation. The UK tech sector’s £24 billion raised in 2022 made it the number one technology hub in Europe – and number three in the world. Ens...

Calypso Harland

Calypso Harland Founder at myforte / Fintech Fringe

Want to scale your fintech? Here’s why the UK is the obvious choice

Fintech investment in the UK fell last year. According to one KPMG report, it corrected itself from a record-breaking $39 billion in 2021, to $17.4 billion in 2022, a 56% drop. Innovate Finance also recorded an 8% dip in Venture Capital (VC) investment. For most of us, the market correction was a predictable byproduct of the COVID tech boom. Yet...