/markets

News and resources on capital markets, exchanges, trade execution and post-trade settlement.

[Upcoming Webinar] Instant Payments and their impact on the fraud landscapeFinextra Promoted[Upcoming Webinar] Instant Payments and their impact on the fraud landscape

Join the Community

Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community.

Access unique research, content, and real-time alerts, services – free to registered members.

43,760 Members   20,958 Expert opinions

Join the community Sign in

246Reports  224Webinars

Find out more

/markets

Expert opinions

Maria Schuld

Maria Schuld Head of Regional and Community Banking at FIS

Key Components of Merger Integration Success

Ben Franklin may not have had a bank merger in mind when he penned this quote, but it certainly applies. Mergers and the related conversions they bring are seminal events that require careful planning, thorough communication, and precise execution. Successful merger-driven integration reflects the following characteristics and components. A consist...

/retail /markets Banking Strategy, Digital and Transformation

Guy Melamed

Guy Melamed CEO at Exberry

Back to Basics: A Wishlist for Cloud Providers from the Financial Exchange Industry

Greater investment in hardware and networking needed to make cloud-based colocation and multicast a reality As some of the world’s largest financial industry participants gathered in Boca Raton last week, one fact that was hard not to miss was the increasing presence (and sponsorship) of the major cloud providers. These cloud providers are investin...

/cloud /markets Capital Markets Technology

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Focus on customer experience for digital transformation success in banking

In a world where the digital revolution is reshaping every corner of our lives, the banking sector stands at a crucial crossroads. The pandemic has not just accelerated the digital transformation in banking; it has made it a do-or-die scenario. As traditional banking models scramble to adapt, a new frontier emerges, one where being digital-first i...

/retail /sustainable Digital Bank Transformation

Nick Green

Nick Green Director at Purple Patch Broking Ltd

Financial crime prevention: Credit provider's cutting-edge approaches

Credit providers understand the critical challenge with the rise of complex financial crimes, from cyber theft to money laundering. Criminals are using advanced technologies—the same ones that make digital banking possible—to break through security defences. In response, credit providers are forced to constantly modernise their approach to crime pr...

/regulation /retail Banking

Kaustuv Ghosh

Kaustuv Ghosh Founder at Prometheus Labs, Next Gen Infra.

Open Banking In The Global South

Open Banking is under continuous discussion and implementation in OECD and European markets. This post provides a brief operator view from the Global South, a region of massive opportunity and diverse needs. I took the liberty of looking at the definition of Open Banking. First, with due acknowledgement to OBIE, UK-"Open Banking is a secure...

/payments /startups Banking Strategy, Digital and Transformation

/markets

Research

Event Report

Sustainable Finance Live - Sustainable Cities: Enabling positive change through innovation and collaboration

Sustainable Finance Live Conference and Hackathon - Visual Record On 10 October, Finextra Research and ResponsibleRisk held the annual Sustainable Finance Live Hybrid Conference and Hackathon, in partnership with NavaOne, at Events@ no6 in London.  This year's conference focused on how to finance sustainable cities, what we can do to identify solutions and work towards resolutions through panel sessions, workshops, and the hackathon.  Download our visual event record to discover the key themes from the day's panels, keynotes and hackathon. We cover: The bank's role in financing sustainable cities The role of Al in decarbonising the built environment Private sector risk appetite and the race toward net zero Connecting capital with the right sustainability solutions Visions and results from the Hackathon And much more. Download the Sustainable Finance Live visual record to learn more. Click here to watch the recordings of the SustainableFinance.Live 2023 plenary sessions in London. Click here to watch the related SustainableFinance.Live on-demand webinar - Placing cities at the centre of the climate change discussion.

97 downloads

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. 

551 downloads

Report

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.

787 downloads

/markets

FinextraTV

The top 3 advantages of going cloud-native

Speaking at MPE 2024 in Berlin, Mehdi Sabbahe, Regional Sales Director, HPS, discusses the advantages of cloud-native architecture for Financial Institutions in payments processing. We explore SaaS opportunities, empowering FIs with cloud adoption, and its impact on acquirers and merchants in the payments ecosystem.

/markets

Long reads

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Silicon Valley Bank collapse one year on: What was the impact?

Silicon Valley Bank (SVB) collapsed one year ago on Sunday, an event which created a ripple effect of widespread damage across the financial sector. The failure of SVB was the third-largest in US history, and the biggest bank to shutdown that year. Finextra previously covered the downfall of SVB, explaining the reasons for its failure, which was a...

Dominique Dierks

Dominique Dierks Content Manager at Finextra

Why Formula 1 sponsorship is the best brand deal for fintech and payments

As we enter our first race weekend of the 2024 season, many fans have been amused (or irritated) by some of the new sponsors that have emerged for this year’s teams. Especially Visa Cash App RB – a name that doesn’t exactly roll off the tongue, neither does its acronym VCARB – has been subject to countless memes from the sports’ following on socia...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Davos 2024 recap: Climate change and AI take the cake

The World Economic Forum (WEF) took place in Davos, Switzerland last week, bringing together world leaders, making new announcements and highlighting new advancements concerning the global economy and financial industries. Here is a short recap of the relevant and exciting announcements from the conference. Over 3000 participants attended the even...