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Expert opinions Last 7 days total 36

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

The New Era of Corporate Accountability: What You Need to Know About the Failure to Prevent Fraud

The UK Government’s introduction of the "Failure to Prevent Fraud" offence under the Economic Crime and Corporate Transparency Act 2023 marks a significant milestone in the fight against corporate fraud. This new offence places a legal obligation on large organizations to actively prevent fraud by their employees, agents, or subsidiarie...

/regulation /crime Fintech

Kyrylo Reitor

Kyrylo Reitor Chief Marketing Officer at International Fintech Business

Future of SPI in Poland

The evolving regulatory landscape and increasing competition present both new opportunities and significant challenges for SPIs in Poland. Opportunities: Niche Markets: SPIs can successfully compete with large banks by targeting specific market segments, such as youth, small businesses, or by providing specialized services (e.g., for travelers). In...

/payments /wholesale Payments strategies 2015-2020-2030

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

Shiba Inu Struggles in the Market Amidst New Meme Coin Launches

A quick look at the meme coin space will show that more tokens are being put out than ever before. While the asset class was controversial when it first launched, it has seen one success after the other, and investors are certainly taking note. As Alan Draper explains, consumers are constantly looking for the next meme coins that will explode in ...

Dmytro Spilka

Dmytro Spilka Director and Founder at Solvid, Coinprompter

Transferring Your ISA Effortlessly: The Dos and Don’ts

You may want to switch your ISA to take advantage of better interest rates, or you could be aiming to bring multiple ISAs together under one manager. Whether you’re seeking to transfer your ISA for convenience or to boost your earnings, there are a few things you may want to consider. Different Individual Savings Accounts carry varied rules when ...

/wealth

Alexander Boehm

Alexander Boehm Chief Executive Officer at PayRate42

Trump’s Presidency 2.0: Implications for the Cryptocurrency Industry and Global Markets

Donald Trump’s return to the U.S. presidency in 2024 marks a pivotal moment for the global cryptocurrency market. His administration’s anticipated pro-crypto stance has already sent shockwaves through the sector, with both immediate and long-term implications for digital assets, regulatory landscapes, and investor sentiment. 1. Immediate Market Re...

/crypto /markets

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Ivan Lapsa

Ivan Lapsa Head of Partnerships & Innovations at Itexus

Brian Mahlangu

Brian Mahlangu VP Product: Digital Platforms Mobile at Absa Bank, CIB.

Mayank Sharma

Mayank Sharma Product Marketing at Innovative Systems

Adam Pemberton

Adam Pemberton Senior Digital Marketing Executive at Planixs

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Research Total research pieces 262

Impact Study

2024 Fraud Trends in Banking, Insurance, and Beyond

How generative AI is boosting fraud protection in an increasingly complex environment. As technology progresses, so do the capabilities of institutions to secure data and systems. Over 2024, the fraud landscape has been complex, and organisations must push the boundaries of innovation while maintaining a high security bar as the availability and democratisation of AI increases as we're going into 2025. The tidal wave of incoming regulation in the financial sector is an aspect that will help banking and insurance companies to safeguard their customers and data in the best way possible. Yet regulation alone does not address fraud – it’s up to individual organisations to leverage the potential of technology, and review their solutions, processes, and thus ensure compliance and safety. As fraud and regulation increase in the space, technology is one of the key factors that will help banks and insurance companies to address these increased fraud risks. Generative AI enables organisations to deliver hyper-personalised customer experiences, and combining these capabilities with carrier network insights can not only help them significantly reduce authentication fraud, but also ensure regulatory compliance. This impact study, produced in association with AWS and Vonage, examines the current fraud landscape across financial services, banking, and insurance, highlighting how generative AI and network APIs can help prevent fraud while enhancing the customer experience. Explore: Fraud trends in 2024 The impact of regulation Why data is the new gold How organisations can innovate with generative AI Best practices

88 downloads

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  

98 downloads

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.

539 downloads

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/sustainable

Sustainable Finance Live Hackathon 2024 Winners: Emerging Category

Join FinextraTV as Richard Peers, Contributing Editor, Finextra and Founder of Responsible Risk, speaks to the winners of the Emerging Category for the Sustainable Finance Live Hackathon 2024: HSBC’s Nell Agate Tsui, University of Oxford’s Dr Nicola Ranger, and the Malaysian Youth Delegation’s Qiu Wong. This year’s event focused on all things natural capital, namely how to price and assess risk amid a variety of macroeconomic issues and new policies coming to the fore. The winning team’s solution – named Nature Delta – worked to connect nature risk in its multifaceted nature direct to companies, with the aim of ensuring that lending and target setting is conducted with risk in mind, as well as deciphering the jumble of complexity that comes with natural capital and leveraging actionable insights.

Long reads Total long reads 1092

Madhvi Sonia

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...

/regulation

Scott Hamilton

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...

/sustainable

Níamh Curran

Níamh Curran Senior Reporter at Finextra

Top 10 Klarna stories for 10 years of Klarna

Last month Klarna celebrated its 10 year anniversary in the UK, with the buy now pay later (BNPL) company preparing to IPO next year. Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson founded the company in 2005 in Stockholm. The company has seen immense success over that time, but it has not been a smooth road. Today Klarna would argu...

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