News and resources on cyber and physical threats to banks and fintechs worldwide.

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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



Cheryl Chiodi

Cheryl Chiodi Industry Strategist, Financial Services at Akamai

Why fostering digital trust in financial services institutions is a mandate



White Paper

Build, Buy or Bust – the hybrid platforms leapfrogging legacy systems

The age-old Build Vs. Buy conundrum has never been brought into sharper focus than it is now. In light of unprecedented unpredictability and economic volatility in recent times, in light of converging pressure brought about as a result of myriad payments systems, real time rails, cross-border implications in a global village, standards development and heightened public awareness and expectation, financial institutions are leaping forwards by falling back on partners to bring systems in line with modern business expectations.  Undoubtedly, the advent and availability of open source technology has intensified and strengthened both sides of the Build Vs. Buy argument. For one thing, it has enabled banks and financial organisations to tailor and sculpt new processes and systems around their exact needs, with the availability of non-proprietary technology. For another, it has brought about a plethora of third party ‘enablers’, as well as having inspired fintech services firms by way of creating plug-and-play or pay-as-you-go offerings.  And alongside all of this, the development of cloud technology and its permeation throughout the financial services industry has oiled the wheels for the journey, facilitating the bespoke and dynamic capability that open source cloud offers, and compounding the technological know-how and prowess of both banks and fintech providers the world over.  There are other influencing factors, such as the API economy, the concepts of open finance, open data; external global, market and economic drivers and events that shape the demand for improved and instant banking services in the first place, putting pressure on operations to the point that banks need to fast-track pretty much every modernisation or product development project they have going, inevitably having to outsource some of this burden.  Download this Finextra report, produced in association with Cloudera, to learn more.

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Future of Report

The Future of the Global Financial Ecosystem 2024

A Sibos Special Edition. Our world has experienced several unexpected and unprecedented events over the last few years, which show no signs of slowing down. This year’s Sibos aims to connect those in the financial services community who have experienced fragmentation, in the hope that tackling this will help with some of the biggest issues facing banking. The role that financial institutions play in the global environment will continue to be placed under the microscope as situations continue to develop. In light of this, there has never been a better time for those in finance to come together and have frank and open conversations about their future. This applies to not only environmental and social goals for banks, but also the adoption of and adaptation to new technologies. No longer can these issues be placed on the side and given lip service, they need to become an integrated part of each financial institution’s core policies and practices. However, ever increasing this challenge are the continuously changing global circumstances. Due to these circumstances, communication and collaboration are essential drivers for 2024. This Finextra report, produced in association with Swift, includes commentary from BBVA, BNP Paribas, BNY Mellon, Deutsche Bank, ING, JP Morgan, Lloyds, McKinsey, NatWest, SEB, Standard Chartered, UniCredit, and Wells Fargo.


Event Report

Entering New and Niche Markets with BaaS

A Financial Cloud Series Report Banking-as-a-Service (BaaS) has emerged as a prominent and steady trend in the banking sector, significantly disrupting the industry and introducing consumers to faster and more personalised services. Working hand-in-hand with embedded finance, BaaS allows third-party distributors to provide banking services, essentially integrating financial services in non-banking infrastructures. Research revealed that the BaaS market is expected to reach $11.34 billion globally by 2030, a huge jump from $2.41 billion in 2020. The rapid acceleration of the BaaS market is due to the speed of digital transformation currently occurring in the financial industry, with a sharply increasing number of banks and consumers seeking to integrate BaaS services into their offerings in order to provide quicker and more efficient experiences. The rapid growth of third-party non-bank platforms has grown exponentially in recent years to incorporate BaaS services into their offerings. The global market has embraced BaaS and new innovations are pushing the trend to become even more significant in the financial industry. BaaS opens up new opportunities for smaller businesses and for a diverse range of companies to facilitate banking operations on a wider scale. The banking sector has evolved and become more diverse and sophisticated through BaaS, which allows companies to focus on what is best for both businesses and banks. To understand how embedded finance and banking as a service can help to transform the backbone of business operations, experts came together for a Finextra webinar, hosted in association with Temenos, 'Entering new and niche markets with BaaS'. The panel explored how banks can best diversify their product offering with cloud.




Unveiling the Impact of Instant Payments on Financial Crime Mitigation

Speaking at TCF 2023, Adam Gable, Product Director Financial Crime, Treasury & Risk, Temenos, and Hani Hagras, Chief Science Officer, Temenos, discuss what the spread of instant payments means for financial crime mitigation and how AI and automation can help prevent fraud and maintain compliance.




Long reads

Isabel Schmidt

Isabel Schmidt Co-Head of Payments Products at BNY Mellon

How payments fraud can be fought with trusted collaboration

Fraud remains a mainstay issue across the globe, with financial institutions (FIs) required to adapt to continually evolving tactics to evade detection systems and processes. In the case of payments, the cost of fraud is predicted to hit US$40.62 billion by 2027. With the payments landscape undergoing a radical shift as digital, real-time transact...

Paige McNamee

Paige McNamee Senior Reporter at Finextra

How can banks strike a balance between user experience and security demands?

Financial institutions pay close attention to how they can improve their customer experience to gain a competitive advantage. However, operating in one of the most heavily regulated industries, these institutions face a complex web of security pressures and obligations that can affect their efforts to streamline and digitise the customer experienc...

Madhvi Mavadiya

Madhvi Mavadiya Head of Content at Finextra

How can digital trust be built amid global unrest and uncertainty in Europe?

This is an excerpt from The Future of Digital Banking in Europe 2023, a Money 20/20 special edition. After a few stagnant years, the world is certainly in motion and macrotrends are forcing organisations to drive change in financial services, disruption in fintech, expand usage of mobile devices and adopt emerging technologies. Digital banking tra...