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Expert opinions Last 7 days total 55

Saeid Kian

Saeid Kian Co-Founder and CEO at Ribbon

In The Age Of Efficiency, Financial Institutions Also Need To Remember Empathy

The finance industry is under constant pressure to continuously innovate and deliver faster. Added to that is the underlying emphasis to drive a digital-first experience, which has really shaped technological transformation across financial institutions. Efficiency has become the benchmark of success, but the focus on speed and automation risks...

/ai

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

PRA CP21/25: Towards a unified regulatory data framework

The Bank of England’s Future Banking Data (FBD) programme has released its first major output: Consultation Paper CP21/25. It proposes a more streamlined approach to regulatory reporting, aimed at easing the administrative load for UK banks, building societies, and investment firms. This represents an important development. The FBD programme merges...

/regulation

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

How confident are you in your risk data?

Timely, accurate and high-quality data is the foundation of effective modelling, analysis and risk management. Regulators, through initiatives such as BCBS 239, have sought to strengthen control and ensure data is fit for purpose. Yet supervisors often expect straightforward answers, and struggle with ranges, error margins and the uncertainty that...

/regulation

Katherine Chan

Katherine Chan CEO at Juice

Under Pressure: How UK SMEs Can Survive (and Grow) Through 2025’s Tax Squeeze

As CEO of one of the fastest-growing fintech lenders in the UK, I’ve helped founders grow through calm and chaos. Right now, growth feels harder than ever. Nearly one million UK SMEs fear closure following April’s rise in employer National Insurance, minimum wage, and capital gains tax. At the same time, the British Chambers of Commerce shows fewe...

/startups /inclusion Fintech

Thorsten Hein

Thorsten Hein Principal Product Marketing Mgr. & Insurance Lead at SAS

Synthetic data gives premium pricing a makeover

Insurance pricing is a complex exercise. To set the premium price for a policy, an insurer must evaluate various risk factors associated with the person, property or entity to be covered. And insurers shouldn’t be limited to their own internal risk assessment alone; they should combine their own data with market data to understand the pricing stra...

/ai Digital Insurance Trends

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George Davis

George Davis CEO at Fuse

Tomas Milar

Tomas Milar Founder at https://Eqvista.com

John Griffin

John Griffin Founder at m3ter

Shadi Abboud

Shadi Abboud Payments Solutions Expert at TSYS

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Carlo R.W. De Meijer

Carlo R.W. De Meijer The Meyer Financial Services Advisory (MIFS) at MIFSA

Europe’s digital payments push: Consortium of EU banks launch euro-based stablecoin

Alex Malyshev

Alex Malyshev CEO, Co-founder at SDK.finance, FinTech software provider

High-Volume Transactions: Essential Benchmark or Industry Hype?

Anurag Mohapatra

Anurag Mohapatra Director of Fraud Strategy and Marketing at NICE Actimize

The High Stakes of Check Kiting: How Old School Fraud Exploits FIs

Research Total research pieces 298

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. 

348 downloads

Future of Report

The Future of Cross Border Payments 2026: Strategies for Success

A special edition for Sibos Europe 2025 The pace of the financial industry is unrivalled. The cross-border payments landscape is rapidly evolving and maturing as emerging technologies develop, new regulations come into play, fraud dominates, and global consumers demand instant payments.  How is the industry responding to these changes, and what strategies are banking experts and leaders deploying to combat the onslaught of challenges as the future draws nearer? Sibos 2025 in Frankfurt will be a forum for conversation on the next steps for the financial sector, and how to conquer the next frontier of global finance.  This Finextra report analyses key innovations, explorations, and sentiments on the cross-border payments landscape, featuring key insights from Absa CIB, BNY, Crown Agents Bank, Commerzbank, the Financial Conduct Authority, FV Bank, HSBC, ING, Januar, JP Morgan, National Australian Bank, RBI, Santander, Société Générale, Standard Bank, Standard Chartered, State Street, and ZA Bank. It discusses:  Agentic AI and GenAI revolutionising cross-border payments;  The implications of a post-ISO 20022 migration world;  How banks are future-proofing their cross-border payments frameworks;  Financial crime and fraud prevention in payments;  The digital transition to cloud native infrastructure;  Challenges and opportunities in instant payments;  How rapidly emerging technologies will define the future of cross-border payments. 

565 downloads

Event Report

Modern onboarding: Optimising KYC through data integration and AI

The integration of technology and data continuity, combined with digitisation, automation, and AI, is revolutionising KYC and onboarding in the banking industry.  In today’s fast-paced financial landscape, efficient client onboarding is crucial for operational excellence and effective customer lifecycle management. Financial institutions are increasingly redefining their Know Your Customer (KYC) processes to reduce inefficiencies and enhance the overall customer experience.  Integrating advanced technologies and real-time data processing can significantly accelerate these processes, providing clearer customer insights and reducing complexities. Data integration and AI allow the streamlining of KYC and onboarding procedures, ensuring seamless interactions and improving transaction accuracy and security. By embedding these capabilities within client environments, institutions can facilitate easier access to verified information, fostering trust and long-term business relationships.  This report highlights the key takeaways of a Finextra webinar, hosted in association with NICE Actimize, by a panel of industry experts. Discover:  Today's KYC inefficiencies and challenges;  The impact and importance of data; and  How digitisation, integration, and AI can streamline KYC and onboarding. 

292 downloads

FinextraTV

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/crime

Why Data-Driven Fraud Calls for Smarter Solutions

Discussing the impact of AI-generated fraud threats across the digital world, Laura Quevedo, Executive Vice President, Fraud and Decisioning Solutions at Mastercard, joined the FinextraTV studio at their RiskX event in Rome. Quevedo also explained how AI can fight against it's fraud counterparts, organisations need greater, more detailed transaction information to match the sophistication of modern fraud threats.

Long reads Total long reads 1368

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Sibos 2025: Are new products fulfilling their hyped-up promise? Part 3: ISO 20022

When the Sibos 2025 conference was kicked off in Frankfurt, it was impossible to miss the positive vibes expressed during early addresses and attendee sessions, despite all the changes and challenges now facing the ‘traditional’ financial services industry. Indeed, those same Sibos luminaries and other banking industry leaders who extolled the pot...

/Sibos

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Financial crime and security in cross-border payments

This is an excerpt from a Sibos special edition report: The Future of Cross-Border Payments 2026: Strategies for Success. With the increased importance of security in the new digital payments' environment, how can mounting risks associated with fraud and crime be addressed in the financial marketplace? The banking landscape keeps changing, but the...

/Sibos

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Sibos 2025: Are new products fulfilling their hyped-up promise? Part 2: Digital assets

Sibos 2025 in Frankfurt featured dozens of sessions and presentations on the issues and opportunities surrounding digital currencies and their many offshoots. We visited forums covering recent developments and future projections for CBDCs, tokenised assets/deposits, and stablecoins, although it was clear that the stablecoin topic was the 'sexier' o...

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