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Expert opinions

Nkahiseng Ralepeli

Nkahiseng Ralepeli VP of Product: Digital Assets at Absa Bank, CIB.

Stablecoins at $44.7T: Signals You Cannot Ignore

Visa's data indicates that stablecoin transactions hit $44.7T over the last 12 months, and money rarely sprints that far unless it has found a faster track. I am not in the prophecy business, yet scale like this usually means a technology has crossed from novelty to infrastructure. What does the $44.7T actually represents? It is not a single u

/crypto /markets

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

Manual to Automated: How Trading Bots Are Reshaping Coinbase Markets

The cryptocurrency market has matured significantly over the last decade, yet it remains one of the most volatile and fast-paced financial environments. Traders, both retail and institutional, often struggle to keep up with sudden price swings, emerging opportunities, and round-the-clock market activity. To address these challenges, many investors...

/crypto /markets

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

Programmable Money and Smart Contracts on Secure Blockchains: The Future of FinTech

Programmable money and smart contracts are reshaping global finance. By combining cryptography, immutability, tokenization, and CBDCs within the emerging Finternet, the financial system is moving from static transactions to secure, programmable, and interoperable value flows — unlocking trillions in new opportunities by 2030. Introduction: The Shi...

/payments /crypto

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

The Rise of Stablecoins: Reinventing Cross-Border Transactions

Stablecoins are everywhere in the news and not just in crypto circles. Around the world, governments, financial institutions, and fintech innovators are actively exploring their use in payments. Just in the past few weeks, we’ve seen multiple announcements: Stripe & Paradigm launching a new blockchain project for stablecoin payments. Ripple &

/payments /crypto Cryptocurrency Insights

John Bertrand

John Bertrand MD at Tec 8 Limited

Stablecoin - Impact on Financial Services

Under the regulations of the US’s first Stablecoin, Frontier, there are three parties: Commissioner (Wyoming State), Licensed Service Providers (LSP) and buyers. The goal of Frontier is to available to anyone with a digital wallet regardless of location and time of day. The Frontier is backed by high quality and liquid debt to stay at par with the...

/payments /crypto Artificial Intelligence and Financial Services

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Trending

Nkahiseng Ralepeli

Nkahiseng Ralepeli VP of Product: Digital Assets at Absa Bank, CIB.

Stablecoins at $44.7T: Signals You Cannot Ignore

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

The Rise of Stablecoins: Reinventing Cross-Border Transactions

/crypto

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. 

536 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 

996 downloads

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FinextraTV

How Digital Assets Are Leading Wealth Portfolios

Joining FinextraTV at Money 20/20 in Amsterdam, Waqar Chaudry, Head of Digital Assets, Financing and Securities Services, Standard Chartered explains the long-term outlook on digital assets in wealth portfolios. Providing examples of how cryptocurrencies, especially, have outperformed other asset classes, Chaudry describes how corporates, specifically, have become key drivers of this popularity. As part of this, he further explains how more traditional institutions can provide unique insights to this more modern innovation.

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

Crypto’s embrace of extremism risks derailing legitimate economic progress

A global pattern is emerging: extreme right-wing organisations and state actors are using cryptocurrencies to make clandestine donations to likeminded political movements. A big development came from the UK in May 2025, when Nigel Farage announced at a conference in Las Vegas that Reform would be the first party in Europe to accept cryptocurrencies...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Stablecoin summer: The summer financial services turned crypto-curious

The summer of 2025 may be remembered as the moment stablecoins moved from speculative sidelines to the centre of financial innovation. Despite the term ‘stablecoin’ first appearing in 2013, and early launches like BitUSD and Tether following soon after, this season marked the closest the industry has come to creating a truly less volatile cryptocu...

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is blockchain?

Since its ideation over 30 years ago, blockchain’s use by the private and public sector has grown exponentially. In August 2025, Bloomberg reported that the United States had put its gross domestic product (GDP) data on blockchain, marking yet another foray by President Trump into the world of crypto. Google Cloud, meanwhile, is said to be develo...