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Alex Ford

Alex Ford President, North America and Chief Revenue Officer at Encompass | RegTech Association | Women in RegTech

AI in banking: From experiment to imperative

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Expert opinions Last 7 days total 58

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

4 Surprising Ways Global Finance Has Been Remade Since the 2008 Crisis

Introduction: Beyond the Banks When we think of the 2008 Great Financial Crisis, the story that comes to mind is one of failing banks, risky mortgages, and a system brought to its knees by the very institutions meant to be its bedrock. It was, in the popular imagination and in reality, a “banking crisis”. But in the years since, the global financi...

/payments Futuristic Banking

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

How Banks Deploy Digital Twins to Speed Property Lending

Tech in real estate is pretty much like a well-oiled machine that keeps every part moving smoothly. One piece, the digital twin, stands out. Picture a virtual copy of a building that you can inspect without stepping inside. Lenders use these digital twins to make decisions. They size up risks, gauge value, and move faster when approving loans. With...

/inclusion

Muhammad Qasim

Muhammad Qasim Senior Software Developer at PSPC

XMR Prospects to 2030 : The Future of Privacy, Decentralization, and Financial Sovereignty

In the developing world of cryptocurrencies, few have remained ideologically pure and technically sound as resolutely as Monero (XMR). As a cryptocurrency intended to prioritize decentralization and anonymity, Monero is unique among mainstream blockchains that increasingly compromise anonymity for regulation. As the globe becomes increasingly pola...

/crypto /markets Cryptocurrency Insights

Jamie Hoyle

Jamie Hoyle VP Product at MirrorWeb

5 Critical Mistakes New Chief Compliance Officers Make (And How to Avoid Them)

Starting as a new Chief Compliance Officer is like being handed the keys to a complex machine that's already running at full speed - but possibly in the wrong direction. You need to understand how every part works, identify what needs fixing, and correct course, all while keeping the engine running smoothly and ensuring it passes inspection. The

/regulation /wealth RegTech

Alex Ford

Alex Ford President, North America and Chief Revenue Officer at Encompass | RegTech Association | Women in RegTech

AI in banking: From experiment to imperative

Artificial Intelligence (AI) is rapidly moving from isolated pilots to the core of banking strategy. Faced with margin pressures, rising compliance costs, and customer expectations shaped by digital-first industries, financial institutions are betting big on AI to drive efficiency and unlock growth. A recent HFS and Infosys study indicates that 20...

/ai /crime Artificial Intelligence

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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

Katalin Kauzli

Katalin Kauzli Cofounder at Partner HUB Ltd

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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.

48 downloads

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. 

113 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. 

557 downloads

FinextraTV

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Agentic AI, Stablecoins and Rapid Tokenisation: How Corporate Commerce is Changing

Sharing her insights with FinextraTV whilst at Sibos in Frankfurt, Raj Seshadri, Chief Commercial Payments Officer, Mastercard, helped to paint a picture of an evolving commerce world in the face of rapidly progressing technologies and tools. Mentioning the undeniable influence of Agentic AI on corporate purchasing and T&E, Seshadri also describes how stablecoins, in conjunction with a strong network, provide yet another currency which inevitably provides more options to smaller businesses, enabling a more open market. She equally expresses a positivity towards multi-token networks driven by increased tokenisation that are inspiring more interoperability, bridging the gap between off-chain and on-chain payments.

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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...

/wealth

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

The state of payment processing in 2025

Small and medium sized business (SMB) owners are continuously challenged with not only running their business, but also adapting to evolving technologies and consumer demands at the checkout. New payment options like buy now pay later (BNPL) and embedded finance have become essential, which has impacted the relationship between merchants and their...

/Sibos

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