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Expert opinions

Parminder Saini

Parminder Saini CEO at Triple Minds

Bitcoin’s IPO-Like Phase Could Lead to Broader, More Stable Ownership

In the past week, Bitcoin’s price has been fluctuating, causing panic for both investors and regular traders. However, experts believe that these price fluctuations are pushing Bitcoin into an IPO-like phase, which could lead to broader, more stable ownership. Bitcoin’s price has been hovering between $106,786 and $115,957. Despite the market s...

/crypto Cryptocurrency Insights

John Bertrand

John Bertrand MD at Tec 8 Limited

Strangely Beautiful: Bank of England Consultation (Nov 10) for Stablecoins

The Bank of England’s consultation on regulating stablecoins of November 10, 2025, is strangely beautiful. The consultation demonstrates remarkable intellectual honesty and: Questions its own sacred cows - including exclusive access to BoE accounts and the agent model - the PayPal-Barclays example is telling - PayPal's market cap approaches Barcla...

/regulation /crypto Banking Strategy, Digital and Transformation

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

The Stablecoin Paradox: Innovation or Impending Systemic Shock?

How the explosive growth of dollar-backed digital coins threatens credit creation, monetary sovereignty, and financial stability 1. The Rapid Rise of Stablecoins as a Systemic Consideration The meteoric rise of stablecoins is reshaping global finance at an astonishing pace. Once a niche digital asset, the stablecoin has evolved into a systemically ...

/regulation /crypto Innovation in Financial Services

Dr Ritesh Jain

Dr Ritesh Jain Advisor at WorldBank

Re-Architecting Trust: The Future of Digital Finance in a Fractured World

Every financial revolution begins as rebellion and ends as infrastructure. Paper money began as merchant credit, credit cards as novelty, mobile money as improvisation — and now, digital assets as evolution. What began as a technological insurgency is quietly becoming the next foundation of global finance. This time, the rebellion isn’t against ba...

/payments /crypto Fintech

Dr Ritesh Jain

Dr Ritesh Jain Advisor at WorldBank

Stablecoins 2030: When Rebellion Becomes Infrastructure

“Every innovation in money starts as rebellion and ends as infrastructure.” Stablecoins began as rebellion — a challenge to the inefficiency and opacity of traditional finance. But by 2030, they may find themselves absorbed—or even rendered redundant—by the very systems they set out to disrupt. Citi’s recent analysis, Stablecoins 2030, reframes the...

/payments /crypto Payments strategies 2015-2020-2030

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Research

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. 

565 downloads

Impact Study

Mastering the Transition to ISO 20022

Strategies for Compliance and Automated Testing in Financial Services With a regulatory storm incoming, the need for testing solutions – whether they be generic or tailored – is greater than ever before. As the financial services industry undergoes a vast amount change, particularly around the introduction of new rails on the ISO 20022 framework, these tests are proving vital for international banks and other institutions in the chain.  Yet, for this sector change is not a binary phase; it is almost always underway. To tackle this challenge in a sustainable way, automation is key – giving institutions the confidence to weather the storm of regulation with ease.  With the ISO 20022 standard now a prerequisite, organisations must convince their business leaders that the migration mandated for November is not just an IT project – it is fundamental to company-wide strategy.  This impact study, produced in association with Unifits and featuring expert commentary from BearingPoint and Accenture, explores how institutions can master the transition to ISO 20022 and streamline compliance through automated testing.  Discover:  The impact and evolution of testing  The benefits of testing automation  The strategic role of technology and compliance  Trends to watch: New rails and regulations  Real-world case studies  And more. 

503 downloads

Future of Report

The Future of Digital Banking in Europe 2024

A Money20/20 Special Edition. In 2023, fintech investment in the EMEA region dropped to $24.5 billion, down from $49.6 billion in 2022 – a seven year low.  Macroeconomic and global political conditions are creating challenges for growth, with upcoming general elections around the world adding to the uncertainties in financial ecosystems. Despite these challenges, the outlook for European digital banking remains positive.  The region continues to lead in innovation within the financial sector. This Finextra report, a Special Edition for Money20/20 Europe, features interviews with key players in the European financial services and fintech industries. It includes insights from Vodeno, EY, J.P. Morgan, Swift, Tink, and TrueLayer, and explores the following topics that will be addressed in Amsterdam: Hyper-personalisation: Moving towards super apps  Embedded payments driving the Banking-as-a-Service revolution  Variable recurring payments: The next step in European open banking  Is Europe ready for MiCA? From Web1 to Web3, or Markets1 to Markets3  How European fintech is facing macro challenges 

997 downloads

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FinextraTV

How AI and Digital Currencies Are Reshaping the Payments Infrastructure

At Sibos 2025 in Frankfurt, Ramon Villarreal, Head of Payments, Global Payments Industry Lead at Red Hat, discussed the evolving balance between innovation and reliability in the payments industry. He noted that while innovation has accelerated in recent years, trust and operational resilience, reinforced by regulations like DORA, are once again top priorities. Villarreal emphasised the growing need to simplify payment complexity, especially as banks prepare to integrate stablecoins and CBDCs. He predicted a surge in agentic AI use cases, including fraud prevention and intelligent routing, alongside the rise of interoperable faster payment networks. With digital currencies and AI reshaping the landscape, Villarreal called for efficient, scalable systems to meet the demands of a rapidly transforming market.

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Long reads

Bazil Sansom

Bazil Sansom Research Fellow at Warwick Business School

Why liquidity, not just solvency, is the UK's real stablecoin challenge

Over recent weeks, the Bank of England’s leadership has outlined its most detailed vision yet for how innovation in money will be governed in the UK. In a 3 September speech at the WBS Gillmore Centre, Deputy Governor Sarah Breeden described a future in which central bank money, traditional and tokenised deposits, and stablecoins can coexist—bound...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Stablecoins starting to lower costs, speed transactions, and raise bank pricing concerns

Stablecoins are already lowering costs, raising transaction speeds, and extending available windows to complete payment transactions to 24/7. They’re doing this for larger retail banking and corporate financial institution customers, and it’s likely that banks will be offering stablecoin payment and receivables options to more clients in the comin...

Ram Gopal

Ram Gopal Professor at University of Warwick

What Swift’s blockchain ledger means for stablecoin innovation

At Sibos in Frankfurt, Swift announced it will add a blockchain-based shared ledger to its infrastructure stack. For a co-operative best known for messaging standards, this is a profound shift: moving from coordinating instructions to coordinating on-chain state, with the aim of enabling 24/7, instant, and programmable cross-border transactions at ...