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Expert opinions Last 7 days total 51

Shikko Nijland

Shikko Nijland CEO at INNOPAY Oliver Wyman

The Agent Advantage Gap: Why Digital Representation Will Reshape Financial Inclusion

The Agent Advantage Gap: Why Digital Representation Will Reshape Financial Inclusion A profound shift is taking place in the digital economy. AI is evolving from a tool that assists humans to an infrastructure that represents them. As digital agents become intermediaries in payments, credit, insurance, commerce and government services, the quality...

/ai /inclusion Banking Strategy, Digital and Transformation

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Should not Chambers of Commerce take EUBWs in use?

ChatGPT said: Yes — absolutely. And frankly, they should have been first in line. If anyone in Europe needs Enterprise Wallets (EUBWs) early, it’s the Chambers of Commerce. Here’s why, straight and sharp: 🔥 1. Chambers are major credential issuers They issue: Certificates of Origin Company attestations Export certifications Signa

Eddie Harrison

Eddie Harrison Co-Founder and Chief Growth Officer at Navro

Driving UK growth: how organisations could unlock £55.8bn of working capital in 2026

It’s no secret that the UK economy is going through a tough time. Growth has averaged just 1.3% over the past decade, and figures for 2025 are equally poor, with the Office For Budget Responsibility (OBR) forecasting a rate of just 1%. This anaemic performance shows up in reduced consumer and business confidence, less investment, greater unemploy...

/payments

Parv Bagga

Parv Bagga 

AI for Legal Risk Evaluation: Empowering Businesses with Informed Insights

In today’s business environment, organizations face increasing pressure to manage risk effectively and ensure compliance in every transaction, partnership, or hiring decision. Traditional due diligence processes built on manual reviews and scattered data are no longer sufficient to meet the demands of speed, accuracy, and transparency that modern ...

Shushant Sudarshan

Shushant Sudarshan Executive at Appinventiv

Rewriting the Future of Digital Payments: Why Modern Payment Gateways Need a Radical Architecture Sh

For years, payment gateways quietly powered the global economy behind the scenes. But 2025 looks nothing like even five years ago. The industry is dealing with a new reality — skyrocketing transaction volumes, instant-payment expectations, fragmented regulations, AI-driven fraud, and the rising need for multi-rail interoperability. And yet, many b...

/payments The Payments Business

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Ben Wyatt

Ben Wyatt Senior Sector Specialist at ForrestBrown

Alexey Plekhanov

Alexey Plekhanov Advisor at Kanzum

David Cooke

David Cooke Sales and Partnership Director at Questa -AI

Saagar Bhavsar

Saagar Bhavsar Partner at Begin Capital

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Research Total research pieces 303

Survey

Turning AI potential into advantage: How financial services institutions are scaling AI

Discover how industry leaders are turning AI into a competitive advantage. Our latest Finextra survey report, assessing the global state of AI in financial services, is now available to download.  AI is no longer a future prospect but a core driver of financial services transformation. However, strict regulatory, security, and data governance requirements often hinder adoption. The key question for leaders has shifted from “Will AI have an impact on my business?” to “How can AI be deployed at scale to create tangible value?”.  To uncover how the industry is addressing these issues, Finextra Research, in association with Cloudera, surveyed 155 global industry leaders in August 2025 to reveal insights designed to help navigate this complex landscape.  Get the insights you need to stay ahead — this exclusive report explores not only the maturity of AI adoption, but also the strategic decisions around infrastructure and vendor partnerships that will define success in the years to come.  Download this Finextra survey report, produced in association with Cloudera, to discover:  Your peers' current levels of AI and ML maturity;  The greatest barriers to successful AI implementation — and how to overcome them;  The adoption of hybrid deployment models;  The top AI and ML use cases driving ROI today;  What drives the adoption of custom AI environments; and  How firms are evaluating their enterprise AI platform vendors. 

39 downloads

Event Report

Modernising liquidity management for real-time banking

The rapid adoption of real-time payments is fundamentally transforming the financial services landscape, creating both new challenges and significant opportunities for banks and their corporate clients. As the industry moves beyond traditional, batch-based processes, financial institutions are under increasing pressure to modernise their liquidity management systems and embrace advanced technologies to remain resilient and competitive in a 24/7, real-time environment.  Success in this dynamic market now hinges on the ability to adapt swiftly and strategically. By investing in robust APIs and real-time data integration tools, banks can achieve greater visibility and control over liquidity positions, streamline processes, and reduce operational costs.  The integration of artificial intelligence (AI) and machine learning (ML) further elevates operational efficiency, enabling predictive insights, enhanced reliability in payment systems, and improved customer experiences. These technologies are not just enablers — they are becoming essential for maintaining financial stability and meeting the evolving demands of clients in an increasingly digital and instant world.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Tietoevry, by a panel of industry experts. Discover:  The shortfalls of liquidity systems in a real-time world;  An examination of the bank - corporate relationship;  Why APIs and AI are game changers. 

140 downloads

Event Report

Tackling the next ISO 20022 milestone: Structured addresses

Unstructured address data will be phased out in November 2026. What do banks need to do to prepare?  The first critical ISO 20022 deadline is upon us in November 2025, as the CBPR+ coexistence period ends. However, the transition does not stop there and the next migration is right ahead: from unstructured to structured addresses. Whereas traditionally, addresses could be entered both in both structured and unstructured formats, in November 2025, a hybrid option will become available. In November 2026, unstructured address formats will be phased out. Migrating to ISO 20022 structured addresses offers banks a strategic opportunity to modernise their payments infrastructure. However, this transition demands a comprehensive overhaul of address data management, storage, and utilisation across systems. This report highlights the key takeaways of a Finextra webinar, hosted in association with RedCompass Labs, by a panel of industry experts. Discover:  Industry readiness for the ISO 20022 structured address migration;  How banks can create strong data strategies;  The roadmap toward structured addresses; and  How to overcome the key migration challenges. 

130 downloads

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/sustainable

How Great Infrastructure Resilience Targets Are Holistic, Not Numerical

Off the back of Sustainable Finance.Live 2025, Professor Samer Bagaeen, Professor, Royalty Town Planning Institute Trustee and Technical Director, Arcadis (Town Planning) spoke to Richard Peers, Founder, ResponsibleRisk about resilient infrastructure and what that term actually means. Breaking resilience down into the ability to survive, adapt, grow and thrive, Bagaeen mentions the UK's attempt to build 1.5 million homes a year and explains how purely focusing on numbers, beyond a number of other important factors, has presented several problems. On the journey to improving these plans and infrastructure resiliencies, Bagaeen notes the ability for different departments to recognise the interconnectedness of their individual issues and to search for the shared source. It's in this holistic view, he says, where resilience can be developed stronger.

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Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

‘Tis the season for holiday scams: How to stay safe and shop smart

The holiday season brings joy, celebration and a surge in online shopping. But as consumers hunt for thoughtful gifts, the latest tech, and the best deals, scammers are also busy — making Black Friday and Christmas one of the riskiest times for fraud. And with digital commerce booming, the threat landscape is evolving faster than ever before. To u...

/payments

Chris Holmes

Chris Holmes Peer at House of Lords

The UK Government’s financial inclusion strategy is light on fintech

Last Wednesday, the Government launched its long awaited financial inclusion strategy. I welcome its publication and there is much to be positive about. Financial inclusion has been a key policy area for me since I entered the House of Lords, not least as part of a special Select Committee considering financial exclusion which I was privileged to...

/inclusion

Hamish Monk

Hamish Monk Senior Reporter at Finextra

The AI bubble: Is Nvidia artificially engineering chip demand?

Some of the UK’s biggest financial institutions (FIs) are investing in artificial intelligence (AI). In November this year, Lloyds unveiled the UK’s first multi-feature AI-powered financial assistant; in September, HSBC launched its generative AI-powered platform; and in March, NatWest became the first UK bank to partner with OpenAI. Appetite am...

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