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Expert opinions Last 7 days total 54

Daniel Lowther

Daniel Lowther Head of Fintech at CCGroup, a Hoffman Agency

How do I work with B2B fintech influencers?

Influencers - or should I say “finfluencers” - have become a serious force in fintech. Success stories like Klarna and Snoop show that authentic influencer partnerships can build real consumer trust. While B2C has led the charge to date, momentum is building fast in B2B. 75% of B2B finance brands are already using influencer marketing and 93% of ...

/people /markets Marketing in Financial Services

Barley Laing

Barley Laing UK Managing Director at Melissa

Five data-driven tactics to ensure financial regulatory compliance worldwide

Overwhelmed is a word many professionals in financial services use as they scramble to stay compliant with the vast array of global regulations aimed at preventing financial crime and fraud. What’s the answer? Step 1: Collect high-quality, verified contact data Having access to quality customer data is key to achieving financial compliance with gl...

/regulation /identity Banking Regulations

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Reflections from Sibos 2025: The Next Frontier of Global Finance

After another whirlwind week at Sibos, I’ve had some time to reflect on what was, without a doubt, the biggest and most thought-provoking conference yet. With over 12,000 attendees, 2,300 companies, 500 speakers, and more than 250 sessions, this year’s Sibos truly lived up to its reputation as the meeting place for the global financial industry. E...

/sibos

Erica Andersen

Erica Andersen Marketing at smartR AI

Getting Business Value from AI: The value of AI to stakeholders

Artificial intelligence is no longer a futuristic concept; it's a present-day reality transforming businesses across industries. But the promise of AI can often be overshadowed by the complexities of implementation and the challenge of communicating its value to stakeholders. To shed light on this crucial aspect, we sat down with Oliver King-Smit

/ai /predictions Artificial Intelligence and Financial Services

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

The Digital Payments Surge: Bridging the Infrastructure Gap Between Ambition and Reality

The global payments industry is navigating one of the most significant periods of change in its history. Driven by shifting consumer expectations and accelerating technological innovation, financial institutions are on a widespread digital transformation journey. The "Payments 2030: What’s Shaping the Future?" survey report, produced by ...

/payments Innovation in Financial Services

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Sami Eyidilli

Sami Eyidilli Head of Innovation Strategy at National Bank of Kuwait

Sanjay Barot

Sanjay Barot Digital Marketing Strategist at Radixweb

Luca Vanini

Luca Vanini Co-founder at Quad Solutions Ltd

Wilson Chan

Wilson Chan CEO and Founder at Permutable AI

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Research Total research pieces 300

Impact Study

AI’s promise-delivery gap: Bridging the chasm with process orchestration

As financial services’ AI arms race accelerates, institutions must now begin to produce concrete results for the benefit of their clients, internal operations, and investors. How can FIs ensure their AI implementations live up to expectations? The financial services industry is past the point of experimenting with artificial intelligence (AI). Statista finds that AI investment across the sector reached an estimated $45 billion USD in 2024 versus $35 billion in 2023 – with almost 70% of financial services firms having reported AI-driven revenue increases. Yet, despite this overwhelming buy-in, it seems that countless institutions still do not access the full potential of their investments. Gartner predicts that over 40% of agentic AI projects (one of the technology’s latest use cases) will be cancelled by the end of 2027. In the United States, meanwhile, bank productivity is declining despite the sector’s high technology spend, underlining an urgent need to more effectively implement AI. The key to unlocking AI’s enterprise value is embedding it within orchestrated, automated processes. This provides AI with governance, auditability, and the flexibility to adapt in real-time. In fact, the firms that embed AI within orchestrated, governed processes will lead the next era of technological transformation. This Finextra impact study, in association with Appian, analyses the gap between AI’s potential and its current impact. We explore: The current state of AI in financial services; The orchestration imperative; How to successfully scale AI; and Case studies for real-world AI implementation.

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Event Report

Faster & further: 2025 insights on the evolution of the Nordic payments landscape

What's shaping Nordic payments? As NextGen Nordics 2025 unfolded in Stockholm, Sweden, there was a keen sense of discussion and debate. In particular, the conversation focused on how the Nordic region has been evolving to meet the intersection of instant and cross-border payments. As a discussion, some remained optimistic and positive about the efforts made, whilst others were less impressed and more cynical about the region’s ability to meet regulatory deadlines and improve its readiness.  Sourced from FinextraTV interviews filmed at the event, this report helps to break down some of the key talking points. From the impact of fraud on faster cross-border payments to the inability of banks to catch up to customer expectations, this report guides you through the (sometimes clashing) consensus on Nordic payments progress.  Discover:  Why cross-border payments demands outpace banks;  How digital first players are reshaping the industry;  How the Nordics are maintaining instant payments progress;  The necessity of strong safeguards;  And more.    Save the date for NextGen Nordics 2026 in Stockholm – Tuesday, 28th April 2026  Get involved – Register your interest here. 

117 downloads

Survey

Payments 2030: What’s shaping the future?

Assessing the global state of payments modernisation in our latest Finextra survey. As we approach 2030, the payments landscape is transforming faster than ever. Many financial institutions across the world are on a digital transformation journey, investing in new technologies. However, many are held back by legacy systems in a world where speed, resilience, and reliability are critical.  Finextra Research, in association with ACI Worldwide, surveyed 162 global industry leaders in the summer of 2025 to reveal how organisations are aligning their payments strategies with market and regulatory demands, the challenges they face, and the technological and operational shifts shaping investment decisions.  Input from leaders at The Clearing House, Deutsche Bank, and the US Faster Payments Council reinforce both the significant progress made and the critical work ahead. As financial institutions navigate ongoing shifts in the payments landscape, modernising cloud and infrastructure capabilities has become central to delivering real-time, resilient, and scalable services.  Download this Finextra survey report, produced in association with ACI Worldwide, to discover:  Current and predicted cloud adoption trends;  Instant payment plans and adoption timelines;  A2A payment growth forecasts;  Readiness for rising digital payment volumes;  Budget priorities for compliance vs innovation;  Innovations set to disrupt the payments ecosystem; and  Strategies for navigating regulatory pressures such as ISO 20022. 

562 downloads

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Why Banks Need Direct Connectivity and Mobile Wallet Optimisation to Stay Ahead

Sharing insights into the cross-border landscape and sentiments at Sibos 2025 in Frankfurt, Stanley Wachs, Head of Europe and Africa, Dandelion Payments described how, as customers continue to expect more from their cross-border payment experience, banks are having to rethink their operational processes. Wachs explains how he has seen a shift from traditional correspondent banking models with multiple intermediaries towards a focus on direct connectivity and more efficiency, leading them to partner with Fintechs and, by extension, regain some of their market share. Another key part of these collaborations, he says, is the ability to be optimised for mobile wallets, which still provide fundamental access to the financial ecosystem for many across the world.

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Hamish Monk

Hamish Monk Senior Reporter at Finextra

Pre-payment KYP: The next frontier for cross-border payments

Tackling fraud and misdirected payments is a war of two fronts: it must be waged both domestically and across borders. Thus far, the fight against domestic fraud has been something of a success, with local pre-payment checks – such as the United Kingdom’s Confirmation of Payee (CoP), introduced in 2020, and Europe’s Verification of Payee (VoP), eff...

/payments

Gavin Meyers

Gavin Meyers Partner at Pierson Ferdinand LLP

The GENIUS Act’s impact on foreign stablecoin issuers

The US is in the midst of redrawing the map for stablecoins. With the signing of the Guiding and Establishing National Innovation for US Stablecoins Act (GENIUS Act) into law on 18 July, 2025, foreign (non-US) stablecoin issuers face a new reality: issuing, offering, and/or selling payment stablecoins in the US will soon be tightly regulated, with...

/regulation

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

The rise of Erebor: What SVB’s fall sparked in venture finance

Erebor - a new bank with ties to President Donald Trump’s administration and backed by Peter Thiel’s venture firm Founders Fund - has been approved to launch by the OCC. Comptroller of the Currency Jonathan V. Gould highlighted today that this is “also proof that the OCC under my leadership does not impose blanket barriers to banks that want to en...

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