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[New Report] The Future of European Fintech 2025: A Money20/20 Special EditionFinextra Promoted[New Report] The Future of European Fintech 2025: A Money20/20 Special Edition

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Expert opinions

Paul Quickenden

Paul Quickenden Chief Commercial Officer at Easy Crypto

Stablecoins, smart contracts and the rise of more intelligent cash

Fintechs already have the talent, the ingenuity and after a decade of challenger success with innovations like Wise’s borderless accounts, Stripe’s one-click checkout and Revolut’s multi-currency wallets - the credibility to reshape finance on a global stage. Those breakthroughs gave consumers faster payments and slicker front-ends; but let’s call...

/payments /crypto

Carlo R.W. De Meijer

Carlo R.W. De Meijer Owner and Economist at MIFSA

Banks and Stablecoins: a first step towards bridging traditional finance and the crypto world

Stablecoins are attracting considerable attention by traditional financial institutions. Regulatory shifts are paving the way for banks to engage with stablecoins. These are rapidly evolving from a niche vertical in the cryptocurrency ecosystem into a foundational element of the global financial system. Stablecoins are increasingly becoming a pref...

/crypto Blockchain Observations

John Bertrand

John Bertrand MD at Tec 8 Limited

Stablecoins to streamline Cross Border Payments

A stablecoin for currency is a token that can be used alongside the parent currency reflecting the market price at that instant. The historic volatility is known, and the price can be verified publicly. Earlier attempts to use crypto currencies fell afoul of Herstatt Risk . The fait currency had not left the sender’s bank before the amount transf...

/payments /crypto The future of Payments in Europe

Priyanka Rao

Priyanka Rao Content Strategist

The Rise of Crypto Trading Platforms in the Digital Economy

In a financial world that is rapidly embracing decentralization, the crypto trading platform has emerged as a vital tool for individual investors, institutional traders, and fintech innovators alike. These platforms are no longer limited to tech-savvy users or high-risk gamblers; rather, they are shaping a new global investment ecosystem where acc...

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Eli Talmor

Eli Talmor CEO at ID-Bound

Pay with TRIO: The E-Commerce Breakthrough with Stablecoins.

E-Commerce and Fraud: Lack of Trust. Online shopping offers unparalleled convenience, transforming how goods and services are purchased. This digital accessibility, however, also presents a fertile ground for fraudulent activities, impacting millions of individuals annually and resulting in significant financial harm. The sheer volume and speed

/payments /crypto Blockchain in Banking and Financial Services

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Research

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. 

500 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 

994 downloads

Future of Report

The Future of Digital Banking in North America 2024

2023 was characterised by increasing amounts of uncertainty and a lack of clarity across the financial world. The collapse of banks, including Silicon Valley Bank, Signature Bank and First Republican Bank, in March 2023, added strain to already unsettled financial markets. While market volatility has remained relatively stable, soaring inflation and climbing interest rates slowed economic growth and this is expected to continue into 2024.  While forecasts regarding the length and severity of a possible recession are speculative, experts are even more divided about stock market predictions for 2024. Optimism is strong in many investors who expect that 2024 is the year rates will stop rising and predict bullish turns that will see markets soar to new heights. Yet with many other factors affecting North American markets, the only certainty we can expect as we look towards 2024 is more uncertainty. This Finextra report on the outlook of North American banking trends, is produced in association with Money20/20 and includes key insights and commentary from industry experts at EY and Mastercard.

741 downloads

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FinextraTV

The Impact of Political Change on Blockchain Integration

Miles Paschini, CEO, FV bank joins FinextraTV in the virtual studio to discuss the integration of blockchain into traditional banking, its misconceptions and how recent political changes might impact its future.

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Long reads

Martin Walker

Martin Walker Research Fellow at Warwick Business School

What is the real bitcoin inflation rate?

"When I use a word," Humpty Dumpty said, in rather a scornful tone, "it means just what I choose it to mean- neither more nor less." - Through the Looking Glass, Chapter 6, by Lewis Carroll One of the explanations for the value of bitcoin is based on its claimed anti-inflationary properties. The ultimate supply of bitcoin, unlik...

Simon Jennings

Simon Jennings Executive Director at UK Cryptoasset Business Council

The UK’s next Big Bang: Digital assets, blockchain, and Web3

With HM Treasury and the Financial Conduct Authority (FCA) actively consulting on the future regulatory framework, real progress feels within reach. But as ever, the devil is in the details. Warm words and platitudes alone won’t deliver what is required, and regulation is only part of the puzzle. That’s why today, the UK Cryptoasset Business Counc...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What UK Chancellor Rachel Reeves’s US cryptoasset collaboration means

At the Innovate Finance Global Summit (IFGS) 2025, UK Chancellor of the Exchequer Rachel Reeves took the stage to speak on the Government’s commitment to supporting and advancing the fintech sector. Reeves discussed UK-US collaboration on fostering an environment primed for digital asset development, new additions to the Pensions Schemes Bill, and ...