News and resources on payments systems, innovations and initiatives worldwide.

Join us at Money20/20 Europe 2024 - 4-6 June, Amsterdam | Use code FEX200 to save €200 on your tickeFinextra PromotedJoin us at Money20/20 Europe 2024 - 4-6 June, Amsterdam | Use code FEX200 to save €200 on your ticket

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.

43,753 Members   20,953 Expert opinions

Join the community Sign in

245Reports  224Webinars

Find out more


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



Future of Report

The Future of UK Fintech - 2015-2035

With UK Fintech Week’s flagship event - Innovate Finance Global Summit (ifgs) - returning for its 10th anniversary, Finextra and Innovate Finance have partnered to publish this report, which acts as your go-to-guide to everything you need to know about financial services and technology in the UK. ‘The Future of UK Fintech: 2015 – 2035: An ifgs Special Edition’ includes commentary from the brightest and best across the fintech ecosystem, discussing and debating the crucial issues facing the sector now and in years to come. This includes key insights from industry experts from Cogo, EY, Konsentus, Marqeta, Standard Chartered Ventures and Zopa Bank. Scoping out the next decade to come, this report explores the agenda topics below and more: The Next Decade of FS and Innovation: What Lies Ahead Fintech Beyond FS Borders: How Fintech is Impacting other Industries and Sectors UK and the World: Keeping our Crown while Learning from Others Transformative Technologies: Opportunities and Risks Users of Tomorrow: The Next Generation of Consumers The Shifting Ecosystem: Who Will Lead?



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.


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. 




Advancing payments: How can innovation drive business growth?

At MPE 2024, Neil Caldwell, Senior Vice President, Merchant Sales & Acquiring, Visa Europe, explores the influence of Open Banking and regulatory changes such as PSD2 on the payments industry. We discuss how technologies like tokenization and biometric authentication safeguards merchants and drives growth; and look at methods for optimising payments and enhancing customer experience, alongside exciting developments in biometric payments, real-time platforms, and the integration of artificial intelligence and machine learning.


Long reads

Dominique Dierks

Dominique Dierks Content Manager at Finextra

BNPL – are we nearing extinction in Europe?

In an unexpected move, NatWest has announced the closure of its buy now, pay later (BNPL) service less than two years after its launch. While citing a “clear demand” from customers for BNPL products at the initial launch in 2022, the bank now revealed that their service did not have the desired impact and uptake remained low as customers instead ...

Níamh Curran

Níamh Curran Senior Reporter at Finextra

Generative AI and AI outlook 2024: Customer journeys, fraud and legislation

Artificial intelligence (AI) and generative AI saw an immense boom in 2023, with some calling it the technology’s breakout year. What was once viewed as something of science fiction is coming closer to reality, with the abilities of the software developing at pace. Yet how is the technology going to progress throughout the year in the financial tec...

Nebo Djurdjevic

Nebo Djurdjevic CSIO at Vega IT

Capitalising on the embedded finance revolution

The concept of embedded finance is, at the face of it, a simple one to grasp; be it a loan at the point of purchase or an insurance offer when you rent an apartment. While it simplifies the lives of consumers everywhere, the embedded finance proposition is not a simple one to grasp from an investment perspective. Is embedded finance a fad or a re...