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Expert opinions Last 7 days total 38

Damien Dugauquier

Damien Dugauquier Co-Founder & CEO at iPiD

Why Banks need an Innovation/Partnership team!

If you are connected with too many payment geeks like I am, your LinkedIn feed has been flooded these days with highlights from Sibos. Next week, expect posts from Money20/20 in Vegas, the HK Fintech Festival, and the Singapore FinTech Festival, often from the same people. Have banks and fintechs become natural partners? Are banks now innovation l...

/payments /sibos

Kyrylo Reitor

Kyrylo Reitor Chief Marketing Officer at International Fintech Business

Top 5 jurisdictions to obtain EMI license in 2025

The European Payment Services Directive (PSD2) has ignited a fintech revolution across Europe, spurring the growth of Electronic Money Institutions (EMIs). As fintech companies seek to capitalize on this opportunity, understanding the most conducive jurisdictions for obtaining an EMI license is paramount. In 2025, these five European countries sta...

/payments /regulation Financial Services Regulation

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgen Payment Infra.

The Climate Change Challenge for Fintech

There is a new financial inclusion gap and that is due to extreme weather events. Fintech needs to address this, both to fulfil it’s often-stated goals as well as to remain relevant in the face of significant global changes. This requires a repurposing in order to become a deeper, more consequential actor in a rapidly changing world. How do we qu...

/payments /inclusion Asia Financial Services

Prashant Bhardwaj

Prashant Bhardwaj Innovation Manager at Crif

Digital Arrest: A New Frontier in Cybercrime and Its Ripple Effects on Consumer Trust

Digital arrest scams have emerged as a significant threat in the digital landscape, impacting consumer confidence and financial stability. These scams not only result in substantial financial losses but also erode trust in digital payment platforms, which is crucial for the growth of e-commerce and online banking. As financial institutions naviga

/security /crime Banking

Janine Grainger

Janine Grainger CEO at Easy Crypto

Is crypto gambling? Let’s ‘roll the dice’ on this debate

Cryptocurrency is billed as the ‘wild west’ of the financial world - often misunderstood, sometimes celebrated (when it’s ‘up’) and occasionally dismissed as a game of chance. But is investing in crypto really just speculating and gambling, or is it a more edgy way to diversify your portfolio? It’s just another asset class Sure, crypto might seem ...

/crypto

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Klaas Stijnen

Klaas Stijnen Co-Founder & Co-CEO at Montoux

Vinothkumar Kolluru

Vinothkumar Kolluru Senior Data Scientist at Fractal Analytics

Simon Tao

Simon Tao Assistant Manager, Financial Services Strategy at KPMG UK

Mouloukou Sanoh

Mouloukou Sanoh CEO and Co-Founder at MANSA

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Research Total research pieces 261

Event Report

Managing Fraud Risks with Synthetic Data

A Practical Approach for Businesses Services Industry The financial services sector is in a constant state of evolution, and so too are the challenges it faces, particularly in the realm of financial crime. This mounting issue has become a significant concern for institutions, customers and regulators alike. The key to addressing this lies in our approach to data - its quality, management, and applications. Harnessing the power of synthetic data and AI tools has become a pivotal factor in business transformation, particularly in addressing the issue of financial crime. The ability to streamline operations and enhance efficiency is a major challenge businesses face, but the introduction of synthetic data offers promising solutions. Synthetic data provides a comprehensive view of all types of crime, a feature that is crucial for global banks often grappling with segmented fraud activity. This broader perspective enhances the institutions’ capability to effectively fight financial crime. This report summarises the discussion had during a Finextra webinar, hosted in association with Red Hat, and explores: The role of synthetic data in combatting financial crime Implications of new regulation How synthetic data enhances crime detection A practical apprach for managing fraud risk  

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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.

483 downloads

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.

156 downloads

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/regulation

How Regulators are Paving the Way for Innovation in the Payment Space

New trends in payments are emerging, with regulator-led innovations sparking 'coopetition' among governments, private companies, and big tech. In this FinextraTV interview, Thoughtworks' Head of Financial Services Practice Muralikrishnan Puthanveedu explains how these moves are creating a foundation for a thriving digital economy — advancing financial inclusion, consumer experience, and global prosperity. Examples like the Fed’s ISO 20022, Europe’s digital identity leadership, UK's New Payment Architecture (NPA) and the BIS’s work in breaking down payment barriers showcase a regulatory push toward seamless, data-driven, interconnected global payment systems.

Long reads Total long reads 1084

Níamh Curran

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...

/devops

Hamish Monk

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...

/ai

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

US 2024 election: How AI policy differences will impact financial institutions and fintechs

Kamala Harris and Donald Trump’s artificial intelligence (AI) regulation and/or promotion within the financial services and fintech arena likely won’t differ much this November, based on a consensus of opinions found from experts in the field. At least not initially, say expert issue-watchers from sources such as the Center for Strategic & Int...

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