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Expert opinions Last 7 days total 51

Kirill Lisitsyn

Kirill Lisitsyn Co-founder & CEO at Torus

Demystifying interchange fees: Understanding Profitability Dynamics in Card Transactions

I often encounter three misconceptions about interchange fees. They may seem trivial, but they are truly fundamental to understanding the payment market, which will help you discuss fees more meaningfully with your partners and influence your company's revenue. First of all: where did the commissions come from and where are they flying to? One of t...

/payments

John Adam

John Adam Chief Revenue Officer at Aimprosoft

5 high-ROI uses of RAG models in banking and fintech

General purpose AI tools like ChatGPT often require extensive training and fine-tuning to create reliably high-quality output for specialist and domain-specific tasks. And public models’ scopes are simultaneously limited to and diluted by training materials. Output is based on their range of unidentified training material so it may diverge from o...

/ai Artificial Intelligence and Financial Services

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

How Family Offices Are Advancing Digital Security Standards

Digital security has never been more important for family offices. With sensitive data at stake, advancing protection measures isn’t optional—it’s necessary. From leveraging cutting-edge software to adopting smarter protocols, explore how family offices strengthen their defenses against modern cyber threats. Streamlining Family Office Security w...

/security /wealth

Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

Top Neobanking Features Banks Must Offer in 2025

Your customers don’t want to wait anymore. They want all payments to be instant and quick. They just want to tap, pay, and move on. So, if your banking experience feels slow, cluttered, or outdated, they’ll leave. By 2026, over 500 million users are expected to use neobanking platforms worldwide’ says Plaid. And that number is only rising. The me...

/retail

Jamel Derdour

Jamel Derdour CMO at Transact365 - www.transact365.io

Financial Inclusion Through Innovation: Scaling Digital Payments in India

India’s shift toward becoming a global leader in digital payments continues at a rapid pace. UPI, mobile wallets, and fintech platforms have scaled impressively: UPI recorded 18.67 billion transactions worth ₹25.14 trillion in May 2025, averaging 602 million transactions daily. (The Times of India) For FY24–25, UPI handled approximately 186 billio...

/payments /markets Payments strategies 2015-2020-2030

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Stuart Evans

Stuart Evans Chief Economist at Fastmarkets Carbon

Sakshi Negi

Sakshi Negi Content analytics at Freo

Ankit Chopra

Ankit Chopra Director , FP&A at Neo4J

Lars Rottweiler

Lars Rottweiler CTO at Mbanq

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Research Total research pieces 295

Event Report

The Outsourcing Imperative: The strategic importance of partnerships for cloud-based payments

The financial services industry is at a pivotal moment where cloud technology and strategic outsourcing offer pathways to enhanced operational efficiency and competitiveness. Explore the Outsourcing Imperative.  In today’s rapidly evolving financial landscape, managing complex financial systems has become increasingly challenging for banking providers. The demands of mature cloud technology, evolving payment rails, and channels such as real-time cross-border payments and stablecoins require innovative solutions. Additionally, regulatory differences by country and region add another layer of complexity, especially for banks operating across multiple borders.  With the buzz around generative AI and other emerging tools, financial institutions must consider outsourcing certain functions to maintain competitiveness and efficiency. Enhancing user experience and regulatory compliance are paramount, as customers now expect a variety of payment options, from digital wallets to AI-driven payment agents. Outsourcing becomes key in today’s payments landscape, and financial institutions are increasingly turning to Payments as a Service (PaaS) to navigate the complexities of modern banking operations.  This report highlights the key takeaways of a Finextra webinar, hosted in association with FIS, by a panel of industry experts. Discover:   Drivers for adopting cloud-based payments;  Why banks and cloud are still an unfinished story;  Why outsourcing is necessary in today's payments landscape; and  How banks can change the status quo through partnerships. 

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Event Report

Modern payments excellence: Exploring diversification of channels, orchestration, and regulation

In today’s rapidly evolving financial landscape, integrating new payment channels has become essential for institutions aiming to stay competitive. Whether it's card-based, account-to-account, instant, or mobile—technological advancements and changing consumer preferences drive the need for diversified payment methods, requiring a strategic approach by banks often still too burdened by legacy to ensure seamless customer experiences and robust compliance. Financial institutions must not only navigate architectural complexities, but balance this with regulatory demands, and the integration of new technologies, all while maintaining the agility to adapt to future innovations.  Managing these challenges effectively is crucial for serving clients and customers in the best way possible, providing them with a wide range of choices and ensuring the availability of services in a time where outages still too often make the news. Leveraging modern technologies like tokenisation and APIs, financial institutions can create dynamic systems that cater to diverse consumer needs, enabling seamless management of multiple products and accounts. This openness is key to fostering resilience and driving change within the industry.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Diebold Nixdorf, by a panel of industry experts. Discover:  How banks can keep pace in a digital, instant world;  Ensuring payments resilience and the impact of regulation;  Key modern infrastructure requirements; and  The benefits of microservices architecture. 

61 downloads

Event Report

Cross-border payments as the next fintech frontier

Economic, regulatory, and technological insights for enhanced cross-border solutions amidst economic uncertainty. Cross-border payments have become integral to the global financial ecosystem, driven by the expansion of international business operations. The need for efficient, secure, and cost-effective payment solutions is more pressing than ever, and fintechs are a crucial cog in the cross-border machine.  In 2025, businesses must contend with a dynamic financial environment shaped by market volatility, regulatory changes, and technological advancements. Factors like tariffs, sanctions, and supply chain shifts significantly impact foreign currency reserves, requiring agility from financial institutions and fintechs alike. To stay competitive, organisations must be more agile than ever before to leverage cutting-edge technologies and strategic partnerships, in order to enable them to respond swiftly to changes and maintain a competitive edge.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Visa Direct, by a panel of industry experts. Discover how cross-border payments are affected by:  Economic and geopolitical considerations;  Technology and other fintech advantages;  Interoperability and regulatory considerations; and  CBDCs, stablecoins, and other innovations in the cross-border space. 

198 downloads

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AI & Wealth: How to Build Trust Through Impact & Personalisation

Whilst at Money 20/20 in Amsterdam, Bahadir Yilmaz, Chief Analytics Officer, ING joined FinextraTV to provide some data insights in relation to growing AI conversations. Describing the challenge of taking data from its origins into actionable, presentable insights for clients, Yilmaz explains how a succesful, easy process will help to increase client's comfort with sharing larger, useful portions of data. Yilmaz, while speaking to AI use cases, says that clients are not interested in what happens behind-the-scenes, they care more for faster services and experiences where they can personally notice the change.

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Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in July 2025

Catch up on Finextra’s most-read Payments stories from last month. Australian banks launch nationwide Confirmation of Payee scheme Confirmation of Payee (CoP) has officially arrived in Australia, with Australian banks having started the roll-out of the nationwide scheme early in July. Even though Australia is one of the only countries where scam lo...

/payments

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How long before the GENIUS Act helps your business run faster and cheaper?

If you conduct business internationally to or from the US, you might be able to save a lot of money, especially on cross-border payments - and also get those payments done much more quickly - in the near future thanks to stablecoin adoption. Even better, with blockchain encryption and security in place for everyone, it could be safer and easier to...

/crypto

David Payne

David Payne SVP, Payments Risk & Compliance at Southern Financial Exchange

FedNow upgrade introduces more risk controls, but will financial institutions hit “send”?

The FedNow® Service recently celebrated its second anniversary with around 1,400 participating financial institutions (FIs) across all 50 states. To mark this milestone, the Fed announced the addition of a new account threshold feature that allows financial institutions to enhance risk mitigation by adjusting value and transaction levels based on ...

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