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Expert opinions Last 7 days total 37

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

How Solana Is Gaining Ground in the Digital Finance Ecosystem

The landscape for digital finance has seen a surge of fresh ideas in the last few years. This is due to the growing popularity of blockchain and decentralized finance, or DeFi. One such example is Solana, a blockchain platform, which has made a name for itself among the many companies in this exciting new area. Its impressive speed, low fees, and...

Louise Stewart

Louise Stewart Founder & CEO at ProjectPay

Tackling the insolvency crisis in the UK construction sector

The UK has the highest number of builder collapses and some of the worst payment times in the world, creating shockingly high rates of insolvency in the construction sector. Many firms are collapsing as a result of poor cashflow due to inequity in the supply chain. The larger construction firms are preserving working capital in the wake of e

/payments /inclusion

Ben Goldin

Ben Goldin Founder and CEO at Plumery

The super app’s gravitational pull

The explosion in the number of super app users over the past decade is staggering: China’s WeChat now has around 1.38 billion monthly active users (MAUs); India’s Paytm has 100 million; Argentina’s Mercado Libre has 56 million; UAE’s Careem has 48 million; and Indonesia’s Grab has 41.9 million MAUs. In 2022, Gartner forecasted that 50% of the ...

/retail /predictions

Ade Adetosoye

Ade Adetosoye Chief Operating Officer at MA GLOBAL

Global Compliance challenges and technology gaps within the payments industry

--------------------------------------------------------------------------------------------------------------------------- In the payments industry, global compliance challenges and technology gaps are significant hurdles that firms need to address to stay competitive and compliant. These challenges often include evolving regulations, cross-border...

Payments strategies 2015-2020-2030

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

The absurdity of innovation: Reimagining banking today

In business we are encouraged to challenge the status quo, think outside the box, and disrupt or be disrupted. We are exhorted to fail fast while we think big, start small and scale fast. And while there might be some dispute about whether Peter Drucker actually said, “innovate or die”, there is no argument that he had a profound belief in the c

/retail Banking

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Paul Clarke

Paul Clarke Chief Growth Officer at Cashflows

Harry Hanson-Smith

Harry Hanson-Smith Vice President Dynamic Yield by Mastercard at Dynamic Yield by Mastercard

Jan Daniel Semrau

Jan Daniel Semrau CEO at Ternary Capital Group

Erika Maslauskaite

Erika Maslauskaite Co-founder & CEO at alongID

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Research Total research pieces 278

Survey

US Regulation Survey 2025: Compliance at a Crossroads

Assessing financial industry preparedness in a shifting US regulatory landscape as organisations struggle with deadlines, cost, and technology. In an environment of rapidly evolving regulations, driven by legislative and policy shifts at the federal and state levels, the US regulatory landscape is marked by complexity and uncertainty. Understanding the level of preparedness across industries is crucial for ensuring compliance, mitigating risk, and enhancing operational efficiency. This survey was conducted at the beginning of 2025, gathering financial services industry sentiment as the Trump Administration took office and began pivoting on key regulatory elements. With the US financial regulation regime also somewhat in limbo, that uncertainty was – and is – increasingly impacting the views of the 200 organisations surveyed. Analysis of our survey responses provides a comprehensive overview of the state of regulation readiness in the US, differences in reporting obligations, the impacts of automation for compliance, the roles of technology and data, and industry plans for modernisation. We explore: Which regulations will have the biggest impact on US financial services in 2025; Regulatory effects on organisational frameworks, budgets and staffing; How organisations are leveraging technology and partnerships to streamline regulatory compliance.

158 downloads

Event Report

Using modern technology platforms to create an AI-driven bank

In the rapidly advancing banking sector, integrating Artificial Intelligence (AI) has become less of a choice and more of a crucial stepping stone. The industry is facing a turning point in the adoption of AI where organisations either embrace the opportunities in front of them or risk falling behind.  The rise of artificial intelligence (AI) has ushered in a new era of digital transformation. In banking operations, the integration of AI presents an opportunity for significant growth. However, this integration is not without its challenges. Banks are dealing with more data than ever before, and managing this information effectively is a crucial hurdle to overcome. From ensuring data accuracy and relevance to adhering to privacy regulations, these challenges require careful consideration.  The decision to incorporate AI should be a strategic one, aimed at addressing specific business challenges and not just a nod to the latest trend. Identifying growth-inhibiting challenges and evaluating the viability of AI as a solution is a practical and cost-effective approach.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Red Hat, by a panel of industry experts. Discover:  Overcoming barriers in integrating AI into banking systems;  AI integration: A strategic approach; and  Effective utilisation of AI in business operations and risk mitigation.   

321 downloads

Event Report

The US Instant Payments Landscape: Navigating Growth and Challenges

The increasing demand for instant payment solutions is a key trend driving the adoption of faster payments. This webinar report explores what is holding instant payments back in the US.  In the US, real-time payments (RTP) have grown significantly since The Clearing House introduced them in 2017. Currently, the RTP network covers approximately 70% of customer accounts in the US, with transaction volumes and values rising dramatically. The Federal Reserve’s FedNow service, launched in mid-2023, has also contributed to this growth, processing a substantial number of payments in its initial quarters. These networks provide low-cost, efficient payment solutions that are gaining popularity for both consumer and business transactions.  Despite this progress, challenges remain in the adoption of faster payments. Interoperability between different payment systems and networks is a primary issue. While domestic instant payments are becoming more common, cross-border instant payments face obstacles due to the complexity of multi-currency transactions and varying regulations across countries. Additionally, the regulatory environment in the US does not mandate the adoption of faster payments, which can slow down the pace of implementation compared to other markets with regulatory mandates.  This report highlights the key takeaways of a Finextra webinar, hosted for the PREDICT 2025 campaign, by a panel of industry experts. It aims to answer:  What is holding Faster Payments back in the US and how much progress can be attributed to open banking and the ISO 20022 standard? Which applications of Faster Payments in the UK are transferrable to the US? With RtP and FedNow, how much choice is too much choice? What evidence is there that the financial services industry is at a tipping point and technology must be leveraged to ramp up adoption?

289 downloads

FinextraTV

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The Data Quality Issue: Not Just A Legacy System Problem

Joining the FinextraTV virtual studio, Andrew Colombi, Co-Founder & CTO, Tonic.ai discusses the current test data landscape and provides a number of fascinating insights on everything from quality data generation, synthetic test data usage and how both modern and legacy companies are struggling in different ways.

Long reads Total long reads 1238

Hamish Monk

Hamish Monk Senior Reporter at Finextra

How to meet the ISO 20022 deadline: A five-step strategy

To meet the November 2025 ISO 20022 deadline for cross-border payments and reporting (CBPR+), financial institutions should: Conduct an impact assessment; Develop a migration plan; Leverage rich data elements; Conduct industry testing; and Adopt official definitions and prioritise readiness. This article provides a breakdown of each step fina...

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Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

When dubious reviews help fuel short seller attacks on a fintech, where to look for the truth?

Why would anyone really trust online ratings and reviews anymore? We’ve all learned that often anonymous blog, forum, and social media comments can be fraught with misinformation, or even outright lies, and in some cases have recently contributed to fraudulent or money losing relationships in the banking world. I’m going to leave that question op...

/payments

Tareq Muhmood

Tareq Muhmood SVP, Value Added Services at Visa

Elevating the payments game – how financial institutions can navigate innovation and security

Today’s payments landscape bears little resemblance to what we were doing only ten years ago. As an industry, we should be proud of the progress being made, such as contactless growth, tokens and the continued rise of ecommerce – however, there still is plenty of room to innovate. The demands of consumers continue to evolve, with many not willing ...

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