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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 57

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

Paul Clarke

Paul Clarke Chief Growth Officer at Cashflows

The Payments Infrastructure Powering Digital Competitions

The UK’s game of skill, competition and raffle sector market is evolving fast. While there is a lack of research in this industry, UK Government research, estimates that 14% of the adult UK population spent a total of £1.3 billion in a year, compared with 44% of the adult UK population spending approximately £8.2 billion annually on the National L...

Adam Preis

Adam Preis Global Strategist at Ping Identity

eIDAS 2.0: Turning Compliance into Competitive Advantage in European Finance

With mandatory adoption looming, early-moving financial institutions can turn eIDAS 2.0 regulations into a lever for innovation and differentiation, rather than treating it as a burden. From opening a bank account to securing a mortgage or making a cross-border payment, an individual’s digital identity drives trust across European financial service...

/security /regulation

Anton Roe

Anton Roe CEO at MHR

Navigating the payroll paradox: empowering professionals for a strategic future

A surprising paradox exists in payroll. As professionals navigate – and embrace – more change than ever before due to AI, manual processes are on the rise which is leading to costly mistakes and increased stress for payroll teams. In fact, recent research has found that 89% of payroll professionals have made mistakes within their function in the l...

/ai /people

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Katalin Kauzli

Katalin Kauzli Cofounder at Partner HUB Ltd

Deepak Gusain

Deepak Gusain COO at Cartex

Steve West

Steve West Director of Channel Partnerships at Modulr Finance

Rustam Bagautdinov

Rustam Bagautdinov Head of Card Products Implementation at Guavapay

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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. 

105 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. 

554 downloads

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/crypto

How Shared Standards are Bridging the Gap Between TradFi and DeFi

At Sibos 2025 in Frankfurt, Sergey Nazarov, Co-Founder, Chainlink shared his insights into how off-chain and on-chain financial standards are beginning to merge into one, more efficient and cost effective framework. Giving examples of how traditional finance is becoming more compatible with its decentralised counterpart, Nazarov explains how the landscape is an exciting point in its evolution, with higher quality data, AI capabilities and more cohesive standards and how he believes the future will see greater digital assets, than those in traditional finance.

Long reads Total long reads 1380

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

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

EU Sustainability Omnibus Act passed – what does it mean for the future of sustainable reporting?

This week the European Parliament passed a vote to cut sustainability reporting and due diligence laws. The Sustainability Omnibus Act was proposed on 26 February 2025, pushing for cuts to sustainability regulations as outlined in the Corporate Sustainability Due Diligence Directive (CSDDD) and Corporate Sustainability Reporting Directive (CSRD) to...

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