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Expert opinions Last 7 days total 48

Pankaj Gupta

Pankaj Gupta Manager Data Engineering at Discover Financial Services

Geolocation Analytics: A Data Engineering Approach to Combat Fraud

In today's digital landscape, where transactions occur instantaneously, ensuring security has become a top priority for businesses. One innovative method gaining momentum in fraud detection is the use of geolocation data. By employing advanced data engineering techniques, organizations can effectively harness geolocation information to identify an...

/ai /crime Banking Strategy, Digital and Transformation

Darren Capehorn

Darren Capehorn Director of Services at Icon Solutions

Sibos 2024: In conversation with Mark Brant

In 2024, Sibos is opening its doors in Beijing, marking the first time that China’s capital is hosting the event. Taking place 21-24 October, the event will bring together thousands of senior leaders from across the global banking industry to debate this year’s theme “connecting the future of finance”. It also marks the first year that NatWest and...

/payments /sibos

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

The Tech That Makes Prop Trading Accessible

Prop trading has become so popular lately that many new startups have started exploring this unique niche and the ways to enable even inexperienced investors to build successful brands. Prop trading was once a domain for large financial institutions and has become accessible to retail traders opening new opportunities for startups. This developmen...

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Understanding and Mitigating Today’s Banking App Threats

Over the past year, UK financial services reported an increase in cyber security breaches, a trend replicated globally. The sector has always been particularly attractive to cybercriminals due to the huge amounts of sensitive financial information it holds. So much so that threats have tripled in number compared to previous years. Advanced techno...

/ai /retail Banking

Kyrylo Reitor

Kyrylo Reitor Chief Marketing Officer at International Fintech Business

10 mistakes when registering international companies and how to avoid them

Expanding a business internationally can be a lucrative venture, but it's essential to navigate the process carefully to avoid common pitfalls. Here are ten mistakes companies often make when registering internationally and how to prevent them: Inadequate Market Research: Failing to conduct thorough market research can lead to costly mistakes. Unde...

/people /wholesale Business

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Arsalan Sheikh

Arsalan Sheikh FinTech Executive at ex-Oracle

Tom Voaden

Tom Voaden VP Commercial at BR-DGE

Nico Barawid

Nico Barawid Co-founder at Tunic Pay

Nicky Goulimis

Nicky Goulimis Co-founder at Tunic Pay

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Research Total research pieces 258

Future of Report

The Future of Payments 2025 – Digital, Instant, Profitable?

A Sibos Special Edition The global payments landscape is in a period of rapid transition, with technologies and regulations making a serious impact. Yet looking to the future of the payments industry, how can we ensure that it is digital, instant, and profitable? While consumer behaviours continue to evolve in tandem with this. Artificial intelligence (AI), tokenised assets, Central Bank Digital Currencies (CBDC), Blockchain, and even more pioneering technologies are shaking up the payments systems all in their own way. Adding to this atmosphere of flux, is an developing regulatory framework which promises to alter this situation further. Regulators are facing an uphill battle attempting to legislate on emerging technologies while keeping consumers safe, and providing the best outcome for payment service providers (PSPs). As we move towards milestones like open finance and more rapid payments, there is a chance the payment ecosystem could look quite different within the next few years. Under these growing pressures, global payments organisations will need to ensure that they are able to bend and adapt to the circumstance, or risk snapping. Never has it been more important for PSPs to collaborate with each other, and regulators, to ensure the best outcomes. This Sibos 2024 special edition report, was produced with contributions from Accenture, Deloitte, EBA CLEARING, Finastra, FIS Global, Investec, J.P. Morgan, Oesterreichische Nationalbank, PPI AG, Swift, and Wise. It explores: The evolution of instant payments in 2025; The modernisation correspondent banking and cross border payments; Preparing the upcoming EU payments legislation; The key to successful digitalisation; The technology innovations reshaping the payments sector.

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Future of Report

The Future of Embedded Finance in Africa 2025

Embedded finance is changing the payment landscape in Africa. The question now is: what will it take for embedded finance to truly scale across Africa? The global embedded finance market is set to grow beyond $228 billion by 2028 according to Juniper Research. As this market matures and consumer confidence in the technology grows, this will likely prove to be a significant chunk of global financial services. In Africa, this emerging trend has the potential to unlock new economic opportunities. As a less mature market, it is not as hindered by legacy payments systems, making it ripe for payment innovation from embedded finance. It has the potential to reshape the continent’s current payments landscape, broaden innovation opportunities, and drive financial inclusion. As a market Africa is very adaptable to different technologies, and embracing of newer, more agile services. A lot of the population to the majority of their banking through their mobile phones, making embedded finance fit seamlessly into financial worlds of the populace. Yet there are many factors which will alter and develop the ability for embedded finance to take hold. This Finextra report, sponsored by Kora, received contributions from Binance, Indelible Inc., Mojaloop Foundation, and Nikulipe. It explores:  Making embedded cross-border payments work in Africa; Unlocking the opportunities of embedded e-commerce in the African market; Embedded finance: Encouraging African financial inclusion; Why personalisation in embedded finance is the next step for African fintech; Regulating Africa to encourage embedded finance innovation.

77 downloads

Impact Study

Adding GenAI To Your Fraud Prevention Strategy

We explore the numerous benefits of generative AI for fighting fraud.  In an instant payment, cross-border world, fraud is more nefarious and prevalent than ever. Recent research shows that worldwide, APP (Authorised Push Payment) fraud now represents 75% of all digital banking fraud on a dollar-value basis. By 2026, losses are expected to reach $5.25 billion – revealing that APP fraud is one of the biggest threats to financial institutions (FIs) globally.  The next pre-emptive step in the fight against fraud is generative AI (GenAI), which uses Large Language Models (LLMs) to generate new content like text, audio, video and even new computer code. While GenAI is still in the fledgling stages of adoption within fraud prevention, it will soon become a true differentiator.  But how exactly are scammers deploying AI to their advantage? What are the best ways to incorporate GenAI into a fraud prevention strategy? How should consumer privacy be managed? This impact study answers these questions and casts an eye over the current fraud landscape, the regulatory implications, and the vital role of innovation.  This Finextra impact study, produced in association with Outseer, explores:  The evolution of scams;  The role of AI;  Technology and the impact of generative AI;  How to embed AI in the best way possible;  Addressing regulatory challenges and concerns;  And more. 

195 downloads

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Generative AI's Impact and Opportunities in Banking

Join FinextraTV as Shanker Ramamurthy, Global Managing Partner Banking & Financial Markets at IBM Consulting, and John Duigenan, General Manager Global Financial Services at IBM, unveil new global financial services survey findings. Explore the current state of generative AI adoption, the challenges and opportunities it presents, and the most impactful use cases revolutionising the banking industry. Delve into discussions on Open Banking, industry standards such as DORA, and trustworthy AI, and discover how financial institutions are set to leverage generative AI in the coming year.

Long reads Total long reads 1070

Michal Chajdukowski

Michal Chajdukowski Associate at McDermott Will & Emery

Dubai and Abu Dhabi crypto firms: Regulatory pitfalls to avoid with EU or UK clients

This piece was coauthored by Vlad Maly and Renate Prinz, partners at McDermott, Will & Emery. Continuing developments in the crypto regulatory sphere have significantly increased the attractiveness of Dubai and Abu Dhabi for crypto firms with global ambitions. Firms should remember, however, that they may also need to comply with the EU or UK ...

/regulation

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Biodiversity loss could threaten the global GDP: Why nature-based financing is essential

The CDP, a nonprofit organisation that runs a global disclosure system, recently released a report outlining the need to de-risk nature-based finance in Asia, outlining how biodiversity loss is impacting the GDP of numerous countries. The report indicated that the threat to nature and biodiversity to low-income and nature-reliant countries in Asia...

/sustainable

Dominique Dierks

Dominique Dierks Content Manager at Finextra

Unlocking the opportunities of embedded e-commerce in the African market

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. E-commerce in Africa is booming, driven by increasing access to internet and smart phones across the continent, combined with affordable data plans, a young and tech-savvy population, as well as the growing availability of digital payment methods. Statista expects the re...

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