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Expert opinions

Guy Melamed

Guy Melamed CEO at Exberry

New Year’s Resolutions for Market Infrastructures in 2024

Traditional financial infrastructure providers are increasingly considering upgrading their trading systems to align with modern times. This is both based upon strategic developments taking place over the past couple of years (Microsoft investing £1.5bn in LSEG, Nasdaq collaborating with Amazon for cloud infrastructure, and Google injecting $1bn i...

/inclusion /markets Capital Market Technology

Anish Kapoor

Anish Kapoor CEO at AccessPay

Corporate Payments in 2024: APP fraud, ISO 20022-readiness and generative AI

The start of a new year is a natural time to consider what lies ahead. Here, we look at four key themes in corporate payments: Authorised Push Payment (APP) fraud, operational resilience, generative AI and ISO 20022, and consider what lies in store for 2024. Authorised Push Payment Fraud Combatting APP fraud will be high on the agenda for many orga...

/payments /predictions Finextra site news

Priya Kumari

Priya Kumari Digital Content Marketing Specialist at MSys Technologies

The Resilience of Credit Unions: Shaping the Future of Consumer Loans

Introduction While credit unions have experienced a slight slowdown in growth, they have proven to be more resistant to market fluctuations compared to banks. Despite facing challenges, credit unions have managed to maintain their share and even make gains in specific sectors. This article explores the recent trends in credit unions' consumer loan...

/payments /markets Banking

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

Democratized AI

What is Democratized AI: The democratization of artificial intelligence entails universal access to AI. Put simply, open-source datasets and tools, which were created by prominent corporations , require minimal user expertise in artificial intelligence, allowing anyone to construct groundbreaking AI software. The underlying principle of 'Democrat...

/retail /inclusion Artificial Intelligence

Mantvydas Štareika

Mantvydas Štareika CEO at CapitalBox

Alternative sources of finance should support SMEs

Small and medium-sized enterprises, SMEs, make up 99% of all European companies and are the backbone of the EU economy, as they account for the vast majority of growth in the labor market. Despite that, SMEs are still seriously underfunded, in fact by as much as around €400 billion in the EU alone according to a recent study. The reason is that SM...

/retail /inclusion



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.



The Future of ESGTech 2023

A Sibos Special Edition While new risks emerge, so do new opportunities for financial services providers to lead technological innovation and drive positive global change. The key question at this year’s Sibos event and into 2023 will be around how success can be measured, and whether organisations that pave the way for the future of banking will be able to adapt to these new priorities and shifting geographical landscapes. Alongside scaling forward-thinking innovations and managing risk in an uncertain world, in 2023, banks must leverage innovations such as AI, machine learning, big data and privacy enhancing technologies to deliver operational efficiencies and an enhanced service offering. Further, by utilising new initiatives such as Banking as a Service (BaaS), financial players can increase their banking footprint through networks of third-party applications, while at the same time, modernising their legacy platforms and products. With this level of innovation to hand – in a world where financial services providers are being forced to adjust to geopolitical, regulatory, and cybersecurity risks – business models must also evolve to ensure success in uncertain times, whether it be the Covid-19 pandemic, climate change or any other global issue that the United Nations’ Sustainable Development Goals aim to achieve. Driving sustainability and ethics will be pivotal in 2023. This report, featuring expert views from SWIFT, GLEIF, and NayaOne, will explore issues such as climate disclosures, ESG standardisation, greenwashing, and financial inclusion. In addition to this, key insights from the Abraham Kuyper Center, Barclays, BBVA, HSBC, and MUFG, will explore how organisations lead positive change across the globe.



Digital Transformation Accelerated

A Sibos 2020 Report produced by Finextra in association with Intel. As the global coronavirus pandemic pushed the annual Sibos event into virtual mode for the first time in 2020, it’s not surprising that everyone was keen to talk about how this has changed things in the key areas that the industry gathers to review at this time of year- technology, digitisation, innovation and the future of finance. There was broad consensus that COVID-19 has led to two years’ worth of digital transformation in just two months, as the lockdowns kicked in at the end of March. Financial institutions were affected internally, with a major emptying-out of financial centres and distribution of their IT estates amid rigorous oversight of new workflows, security practices and productivity. But they also had to react to the new expectations and behaviours of retail customers in lockdown and corporates who have themselves had to embrace remote and hybrid working for their financial and supply chain management. As the situation demanded- and continues to demand- flexibility, and economic fears push cost and efficiency to the fore, change resistors within financial services organisations, corporate customers and regulators alike have been forced to become change adopters. 2020 has been far from a positive year for many. But if financial industry and technology people are looking for a silver lining, it could be found in the results of this forced digital transformation. It will be interesting to see how much can be achieved through this accelerated change by this time next year. Download the full report below to find out more.




Insights into Cross-Border Payments

John Hunter, Head of Payments and Transaction Services, Wells Fargo Global Treasury Management, discusses cross-border payments at Sibos 2023, highlighting enhancements in customer experience, ongoing experimentation with new payment models, and the pivotal role of partnerships driving industry transformation.


Long reads

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Fintech founder says bottom line remains top priority for SMBs

The 2023 SIBOS conference was chock-full of sessions across all the major issues in banking at the moment. Evolving international messaging standard ISO20022’s angles and options were covered in depth, in fact, it was discussed during seven separate sessions on the first day alone! Artificial Intelligence (AI) and its applications to assist genera...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Sustainability results, not publicity, matter most – Standard Chartered exec

Michael Spiegel is Standard Chartered Bank’s global head of transaction banking. He’s deeply involved in the London-based institution’s sustainability efforts and its customer-facing sustainable finance program development and management. In an interview during the 2023 SIBOS global conference in Toronto, the Singapore-based Spiegel shared his tho...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Why this tech CMO wants accountability for sustainability

What do you get when you cross a determined elementary school kid in Greece with inspiration to grow her mind - provided by a curmudgeonly Harvard law professor strongly challenging his students on TV? Eventually, a leader in the sustainability community, as chief marketing officer of Temenos. In 2021, the Switzerland-based firm received “Bronze Cl...