Latest news Last 7 days total 32

Community Last 7 days total 48

Anton Tekhtelev

Anton Tekhtelev Head of Product and Business Development at Fintech Expert

Fintech’s Silent Growth Killer: Toxic Product Culture

Ravi Satyanarayana

Ravi Satyanarayana Partner - Payments & Fintech Innovation at TCS

Bank’s Co-existence Strategy for Multi-Rail Payments

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Expert opinions Last 7 days total 48

James Gozney

James Gozney CEO at Aslan

Why traditional payroll models fall short

Before 1960, the overwhelming majority of the UK was paid weekly, in cash. Since 1960, the digitisation of pay and an increasingly complex tax system has meant that the cost of running payroll has ballooned for companies. So today, three-quarters of us are paid once a month. But in a 21st-century world of instant banking, digital wallets and on-de...

/people /inclusion

Anton Tekhtelev

Anton Tekhtelev Head of Product and Business Development at Fintech Expert

Fintech’s Silent Growth Killer: Toxic Product Culture

I’ve worked in several fintech companies. Many of my friends and acquaintances work in fintech. I’ve also talked at length with people who hire — or used to hire — others in fintech. And one thing stands out: toxic work culture is too often normalised in fintech. It is treated as inseparable from rapid growth. Some heads and C-level folks are even ...

/people /sustainable

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

The Last Days of the Cheque: How a Banking Icon Is Fading Into History

Once the backbone of global payments, the humble cheque is now a relic of a bygone era—kept alive only in niche markets and legacy systems as digital transactions reshape the financial world. The Enduring Symbol of an Era When I began my banking career almost 60 years ago, the payments world was simple. A transaction could be settled in cash, by w...

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Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

How do APIs help launch new wallet features quickly?

Your customers today expect digital payments to be instant, secure, and effortless. According to Statista, the global digital wallet payments market is projected to exceed $14.8 trillion by 2027. This growth reflects how fast wallets are evolving to meet user demands. When users experience instant P2P transfers, QR payments, or rewards in one wall...

/payments /inclusion

Ravi Satyanarayana

Ravi Satyanarayana Partner - Payments & Fintech Innovation at TCS

Bank’s Co-existence Strategy for Multi-Rail Payments

Abstract: Banks should adopt a co-existence strategy between their traditional payments rails and emerging programmable DLT-native rails. The future of payments will not be a replacement scenario but a convergent one, all unified by the orchestration layer since each rail has its own strengths and merits that serve different customer segments, reg...

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Ben Wyatt

Ben Wyatt Senior Sector Specialist at ForrestBrown

Alexey Plekhanov

Alexey Plekhanov Strategy & operations 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 302

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. 

3 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. 

134 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. 

129 downloads

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Digital Assets & Payment Hubs: Simplifying Infrastructure for a Disruptive Future

In Frankfurt at Sibos 2025, Elaine Duff, Head of Money Movement and Retail Payments, FIS discussed the energy at Sibos and some of the fundamental challenges facing banks and financial institutions. Duff contextualised the urgency that many banks were already feeling surrounding modernisation and increasing regulatory changes, but she says that speed is only increasing further. Her advice is to focus on simplifying infrastructure and technical debt, suggesting a payment hub as a good place to start. Duff emphasised that the pace of change is rapid and banks will need help in keeping up, one example of this in particular is the surprising frequency with which digital assets have been brought up. In these instances, she says, it becomes more transformative and it opens up questions around how this affects cross-border payments, compliance in new regimes and the ability for smaller banks to compete with larger banks with more of a larger percentage of the correspondent banking network.

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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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Bazil Sansom

Bazil Sansom Research Fellow at Warwick Business School

Why liquidity, not just solvency, is the UK's real stablecoin challenge

Over recent weeks, the Bank of England’s leadership has outlined its most detailed vision yet for how innovation in money will be governed in the UK. In a 3 September speech at the WBS Gillmore Centre, Deputy Governor Sarah Breeden described a future in which central bank money, traditional and tokenised deposits, and stablecoins can coexist—bound...

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