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Expert opinions Last 7 days total 41

Marc Gratacos

Marc Gratacos Founder and Managing Partner at TradeHeader

Digital Regulatory Reporting (DRR) - your compliance SatNav and regulatory lane assist

Digital Regulatory Reporting can ensure that you adopt common interpretations of the regulations. Like lane assist in cars today, DRR will keep you on track and sound an alarm if you begin to stray off course. Destination compliance As is well understood by now, the only constant in regulatory compliance is that regulation updates endlessly. F...

/regulation Regulatory Reporting

Prakash Bhudia

Prakash Bhudia HOD – Product & Growth at Deriv

Palantir's recent drop: Minor retracement or red flag?

Palantir Technologies (PLTR) has had an extraordinary year in 2024, with its stock delivering a staggering 270.87% year-to-date (YTD) gain. Often considered a darling of the data analytics and AI revolution, the company has consistently outpaced major players, even leaving Nvidia in its wake. But after months of relentless upward momentum, Monday...

/markets

David Smith

David Smith Information Analyst at ManpowerGroup

Best 5 White-Label Neobank Solutions in 2024

Neobanks continue to face a unique challenge in 2024: standing out in a market dominated by traditional banking institutions. As big banks intensify their digital transformation efforts, fintech startups and neobanks need to act strategically. One of the most efficient ways to compete in this crowded market is by leveraging white-label neobank solu...

/payments /startups

Kyrylo Reitor

Kyrylo Reitor Chief Marketing Officer at International Fintech Business

Upgrade of SPI License to API License in Poland

As of 2024, the Polish Financial Supervision Authority (KNF) has established clear guidelines for Specialized Payment Institutions (SPIs) looking to upgrade to Authorized Payment Institutions (APIs). This transition aligns with the demand for processing higher transaction volumes and delivering a wider range of services, reflecting the financial s...

/payments /wholesale Digital Banking

Ashish Pandey

Ashish Pandey Marketing Head at RichestSoft

Invoice Finance vs. Factoring: Key Differences and Benefits

Excerpt of Invoice Finance vs. Factoring: Key Differences and Benefits Invoice finance and factoring are financial solutions designed to improve cash flow by leveraging outstanding invoices. However, they differ in terms of operational approach and the level of control retained by the business. Both methods are widely used by companies looking to ...

/wealth Fintech innovation and startups

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Anant Patel

Anant Patel Director, Business Development (Banking) at ACI Worldwide

Shona Sabah

Shona Sabah Senior Manager at KAE

Vitaliy Shtyrkin

Vitaliy Shtyrkin Chief Product Officer at B2BINPAY

Seth Perlman

Seth Perlman Global Head of Product at i2c Inc.

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Dmytro Spilka

Dmytro Spilka Director and Founder at Solvid, Coinprompter

5 Compliance Challenges that Your Algo Execution Model May be Creating

Kyrylo Reitor

Kyrylo Reitor Chief Marketing Officer at International Fintech Business

Forex Market Regulation on the African Continent

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

National Payments Vision 2024: The UK's Vision for a World-Leading Ecosystem

Research Total research pieces 263

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

201 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  

162 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.

750 downloads

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How Geoengineering Guides Research, Funding and Policy

In this PREDICT 2025 USA interview, Lisa Graumlich, American climatologist and President of the AGU, explores how there is a need for an ethical framework or code of conduct into research on climate interventions amid global emissions increasing and uncertainty in meeting the Paris Agreement’s goals. With a growing interest in geoengineering research to mitigate the risks associated with global warming, the conversation goes on to dive deep into why experiments and deployments are attracting interesting in the US and why implementing a globally recognised set of ethical principles, not just for scientists, but for private funders too, can lead to policies moving forward.

Long reads Total long reads 1104

Chris Holmes

Chris Holmes Peer at House of Lords

UK National Payments Vision: What does it mean for fintech growth?

Late last week the government launched their National Payments Vision. Described as resting upon three key pillars of innovation, competition, and security it sets outs welcome detail on regulatory coordination and payment infrastructure upgrades, identifies Open Banking and fraud as priority areas and establishes a payments vision delivery commit...

/regulation

Yi Ding

Yi Ding Assistant Professor at Gillmore Centre, Warwick

AI can make P2P lending safer and more fruitful for investors

Peer-to-peer (P2P) lending was born from the idea that cutting out the middle man – i.e. the bank – could make finance cheaper and more accessible. But in recent years, the lack of an intermediary has arguably undermined a key part of the sector, namely the secondary market for trading in existing P2P loans. Could artificial intelligence (AI) chan...

/ai

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

COP16 roundup: What is the future of nature financing?

The UN’s Biodiversity Summit (COP16) took place from 22 October – 8 November this year in Cali, Colombia, bringing together 196 government representatives to discuss the future of global biodiversity. The summit started off with lots of questions and ended with many left unanswered. The conference was plagued by loss of attendees, as many represent...

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