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Arjun Lakhani

Arjun Lakhani Managing Associate at Linklaters LLP

2024 is the UK's landmark year for stablecoin regulation

The UK has already made some important strides to regulate the cryptoasset sector over the last few years, focusing on consumer protection and anti-money laundering initiatives. This includes the UK’s Financial Conduct Authority (FCA) prohibiting the sale of crypto-derivatives to retail consumers, the application of the Money Laundering Regulation...

/regulation

Maximilian Schausberger

Maximilian Schausberger Managing Director at Elevator Ventures

What is the current landscape for VC investments in fintech?

Following the record-breaking highs of 2021, as we have all observed, the year of 2022 has been hit by a downturn in both the public and private capital markets. In 2023, the European venture capital market exhibited signs of recovery, although the overall deal value for early-stage investments is still projected below the highs of the previous ye...

/startups

Dominique Dierks

Dominique Dierks Content Manager at Finextra

How is generative AI democratising the availability of banking services?

Generative AI’s potential is vast, and there are opportunities for this technology to improve customer experience, enhance decision-making, increase colleague productivity and streamline processes. However, there is a need for oversight and ethical considerations – as there is with all types of AI – such as addressing inherent bias in data and ens...

/devops

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 ...

/payments

Amanda Kavanagh

Amanda Kavanagh Contributor at Jobbio

Why savvy job seekers are looking to regtech

Lax controls in crypto and fintech companies resulted in global fines of $5.8bn last year, eclipsing fines to the entire traditional banking system by a considerable amount. According to fintech software leader Fenergo, fines in the traditional banking group amounted to $834m comparatively. Of that $5.8bn sum, $4.3bn was the well-reported US crim...

/people

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...

/payments

Andersen Cheng

Andersen Cheng Chairman at Post Quantum

Why financial institutions must move quicker on quantum

For most people reading this, a functioning quantum computer will probably still feel quite fictional — an innovation that’s still light years away. There’s also the idea that, well, wouldn’t a functioning quantum computer be a good thing? Won’t a functioning machine, for example, be able to effectively analyse large or unstructured data sets, to ...

/security

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...

/payments

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...

/markets

Níamh Curran

Níamh Curran Senior Reporter at Finextra

Anne Boden on supporting female fintech founders

For International Women’s Day (IWD) this year, we spoke to a woman who is the poster child of female success in the fintech world, Anne Boden. In June of last year, Boden stepped down as CEO of Starling after founding the challenger bank 10 years prior. Yet Boden has been busy recently. Last week she launched her third book, Female Founders’ Playbo...

/inclusion

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What are AI chatbots?

The hottest trend in tech and financial services has been artificial intelligence (AI) and its infinite potential to revolutionise and transform the industry to make it more efficient, reliable, secure, and accessible. However, as AI grows in popularity, fear of the sentient AI also lurks in the back of many minds. Not exactly the apocalyptic Termi...

/devops

Dominique Dierks

Dominique Dierks Content Manager at Finextra

Why data is the backbone of predictive AI

With the launch of ChatGPT in November 2022, a new wave of AI enthusiasm was kicked off that primarily centred around the capabilities and possibilities of generative AI. Signifying a transformational moment in AI technology and smoothing the ease of access to AI, many financial institutions have since started looking at how generative AI can be a...

/devops