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[New Survey Report] Payments 2030: What’s shaping the future?Finextra Promoted[New Survey Report] Payments 2030: What’s shaping the future?

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Expert opinions

Srinivasa Atta

Srinivasa Atta Cloud & AI at Google

Your Multi-Cloud AI Strategy Isn't Resilient, It's a 'Franken-stack' Waiting to Collapse

For years, the gospel of multi-cloud has been preached from every CTO’s pulpit. The promise was clear: avoid vendor lock-in, optimize costs, and build true operational resilience. Now, as we rush to deploy generative AI across these complex estates, we are discovering a fatal flaw in this strategy. We haven't built a resilient, interconnected syst...

/ai /cloud Artificial Intelligence and Financial Services

Alastair Gill

Alastair Gill Principal Data Scientist at GFT

Getting Business Value from AI: Speak to stakeholders

In this series of articles, I explore how we can organise our AI projects to better achieve business value. Although this series was prompted by some of the challenges experienced recently in relation to generative AI (Gen AI), the challenges of achieving business value from AI long predate this particular technology iteration. As such, here I am

/ai /cloud Artificial Intelligence and Financial Services

Sonali Patil

Sonali Patil Cloud Solution Architect at TCS

Building Resilient Architecture Patterns on AWS Cloud: Strategies and Use Case

Introduction This blog explores the architecture patterns for building resilient architecture on AWS Cloud. In the banking & insurance domain, challenges have been observed during design phase of application migration where applications needed either active-passive DR setup, active-active setup, phase wise migration for active-active setup,

/cloud BFSICloudMigration

Dominic Mensah

Dominic Mensah Director Strategic Accounts at Lakeside Software

How to boost financial services employee satisfaction by fixing invisible technology inefficiencies

Ever wondered why some employees seem disengaged or struggle to deliver their best, despite robust systems and talented colleagues? In financial services, where trust and precision are everything, leaders prioritise client satisfaction, regulatory compliance, and operational resilience. But even these pillars are under pressure. Economic headwinds...

/people /cloud

Gayatri V

Gayatri V Cloud Architect at TCS

Cloud Adaption and AI in Banking and Financial Industry

AI is driving powerful transformation in financial services, significant innovation in streamlining the operations, enhancing customer service and risk management. Cloud-driven financial services plays a major role in expanding digital accessibility, automating operations and delivering personalized experiences. Cloud Platform with A

/ai /cloud Artificial Intelligence and Financial Services

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Research

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. 

348 downloads

Future of Report

The Future of Cross Border Payments 2026: Strategies for Success

A special edition for Sibos Europe 2025 The pace of the financial industry is unrivalled. The cross-border payments landscape is rapidly evolving and maturing as emerging technologies develop, new regulations come into play, fraud dominates, and global consumers demand instant payments.  How is the industry responding to these changes, and what strategies are banking experts and leaders deploying to combat the onslaught of challenges as the future draws nearer? Sibos 2025 in Frankfurt will be a forum for conversation on the next steps for the financial sector, and how to conquer the next frontier of global finance.  This Finextra report analyses key innovations, explorations, and sentiments on the cross-border payments landscape, featuring key insights from Absa CIB, BNY, Crown Agents Bank, Commerzbank, the Financial Conduct Authority, FV Bank, HSBC, ING, Januar, JP Morgan, National Australian Bank, RBI, Santander, Société Générale, Standard Bank, Standard Chartered, State Street, and ZA Bank. It discusses:  Agentic AI and GenAI revolutionising cross-border payments;  The implications of a post-ISO 20022 migration world;  How banks are future-proofing their cross-border payments frameworks;  Financial crime and fraud prevention in payments;  The digital transition to cloud native infrastructure;  Challenges and opportunities in instant payments;  How rapidly emerging technologies will define the future of cross-border payments. 

565 downloads

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. 

175 downloads

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FinextraTV

AWS and Murex Partner to Transform Capital Markets through Cloud Innovation

Joining the FinextraTV studio at Sibos 2025 in Frankfurt to discuss their collaboration agreement, Dr. Charlie Sanderson, Director, EMEA, Technology Partnerships, AWS, and Maroun Eddé, Murex’s president, explained the power of cloud innovation as they look to transform capital markets.

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

Mounting geopolitical tensions underscore the need for public cloud diversification

Today’s industrial revolution, also known as Industry 4.0, is characterised by smart systems, artificial intelligence (AI), internet of things (IoT), advanced robotics, and automation. If these innovations are the locomotives of Industry 4.0, then their fuel is data. Be it customer behaviour, engagement, attitudes, or personal information, data – ...

John Barber

John Barber Vice President and Head at Infosys Finacle

Mastering banking on cloud: 3 frontiers that will define the future

This article has been co-authored by John Barber, head of Europe, and Gaurav Sharma, senior industry principal, at Infosys Finacle. Cloud has been a focal point of banking transformation for over a decade now. Banks have made significant strides, shifting workloads to the cloud to drive agility, scalability, and operational efficiency. Cloud has ev...

Jack Gibson

Jack Gibson Head of Payments Engineering, Architecture & APIs at J.P. Morgan Payments

Pushing payments forward through cloud technology and APIs

The payments industry is undergoing a significant transformation, driven by rapid technological advancements and changing consumer expectations. As digital transactions become the norm, the need for efficient, secure and scalable payment solutions has never been greater. Enter cloud technology and Application Programming Interfaces (APIs)—two powe...