Latest long reads: Finextra Research

What the new Data (Use and Access) Bill means for the UK

Chris Holmes Peer at House of Lords

What the new Data (Use and Access) Bill means for the UK

This time last year I was writing about an important milestone in the digital economy, the Data Protection and Digital Information Bill, which had just passed through its commons stages and was arriving with us in the Lords. Sadly, that bill was lost when the General Election was announced although it appeared to be revived, under a new name ‘the ...

08 November 2024 /regulation

Forget fintech disruption - here's how European banks can become the disruptors

John Barber Vice President and Head at Infosys Finacle

Forget fintech disruption - here's how European banks can become the disruptors

This article has been co-authored by John Barber, regional manager - Europe, Infosys Finacle, Narasimha Prasad Nagaraja, senior director at Infosys Finacle, and Ramprasath Ganesaraja, head of AI research at Infosys Finacle. The allure of AI for efficiency, profitability, and reimagined customer experiences is drawing global attention. The challenge...

07 November 2024 /devops

US 2024 Elections: What President-Elect Donald Trump’s win means for fintech

Madhvi Sonia Head of Content at Finextra

US 2024 Elections: What President-Elect Donald Trump’s win means for fintech

After passing the threshold of 270 electoral votes needed to win, former President Donald Trump is expected to return to the White House to take up his post for the second time, after beating Democratic candidate Vice President Kamala Harris. After a nail-biting few months, Trump was elected with many of his voters citing inflation as the reason f...

06 November 2024 /regulation

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?

Scott Hamilton Contributing Editor at Finextra Research

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?

When Standard Chartered introduced its ESG-linked account in August 2024, it wasn’t the first time the bank had turned its focus directly towards environmental and social issues in its product portfolio. In fact, the bank’s sustainable account - which offers clients access to their cash while investing the surplus to support United Nations Sustai...

05 November 2024 /sustainable

Top 10 Klarna stories for 10 years of Klarna

Níamh Curran Senior Reporter at Finextra

Building resilience across borders in today’s interconnected world

Operational resilience is now firmly established as a critical priority for financial firms across the world’s markets, driven by a fundamental requirement to strengthen trust and security in response to the growing risk of cyber-attacks and disruptions – and underpinned by mandatory regulation. According to Boston Consulting Group, cybercriminals...

04 November 2024 /regulation

Middlesbrough is emerging as a UK tech hub

Aoibhinn Mc Bride Content Editor at Jobbio

Middlesbrough is emerging as a UK tech hub

When you think of an emerging UK tech hub, Middlesbrough may not automatically spring to mind. But the small and mighty port town in Yorkshire, which, at one point was one of the most important industrial towns in the UK, is having a resurgence. Now, it is emerging as a promising tech hub in its own right. That’s according to a recent report, which...

01 November 2024 /people

A guide to finance for non-bank specialist lenders

Warren Mutch Head of Speciality Finance at Shawbrook

A guide to finance for non-bank specialist lenders

Securing capital from a speciality finance provider can accelerate the growth of a non-bank lender’s platform. Speciality finance can be a valuable tool for non-bank lenders that want to expand their franchises. Partnering with the right speciality finance lender – that can provide flexible, long-term capital and has a broad offering to support non...

01 November 2024 /markets

2025 payments trends and Finextra’s predictions for the new year

Madhvi Sonia Head of Content at Finextra

2025 payments trends and Finextra’s predictions for the new year

Launching soon, Finextra’s PREDICT 2025 channel will gather insights and ideas from the industry's top thought leaders, capturing how the financial services industry will tap into technology trends in 2025 and these predictions will be shared with our 700,000 monthly readers. From November 2024 to March 2025, Finextra will be hosting video intervi...

31 October 2024 /predictions

Digital twins and the creepy consequences of data breaches

Níamh Curran Senior Reporter at Finextra

Digital twins and the creepy consequences of data breaches

Data breaches are one of the scariest things we can encounter in real life. Receiving an email letting you know your personal information has been taken is much more frightening than the Necronomicon or the Babadook. Victims are left with a foreboding feeling of the unknown normally confined to horror films. Who has their information, and more impo...

31 October 2024 /identity

How personalisation in embedded finance is the next step for African fintech

Níamh Curran Senior Reporter at Finextra

How personalisation in embedded finance is the next step for African fintech

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Embedded finance looks primed for continued growth throughout Africa. As it does, there will be increasing opportunities for financial services to personalise their services and give users the best financial products for their needs. Personalisation is at the core of emb...

30 October 2024 /devops

Hamish Monk Senior Reporter at Finextra

Understanding AI for personalisation

The term ‘artificial intelligence’ was coined in an August 1955 study proposal, by a group of academics and technology developers. The workshop on the subject took place one year later. In December 1955, Herbert Simon and Allen Newell developed ‘Logic Theorist’, which is today considered the first ever artificial intelligence (AI) program. Since t...

29 October 2024 /ai

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