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News and resources on devops, tools, platforms and APIs for developers and tech leaders in banks and fintechs worldwide.

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Expert opinions

Konrad Litwin

Konrad Litwin Global General Manager - Testing at Perforce Software

Managing sensitive data risk and compliance in non-production environments

When protecting confidential customer data in the financial services sector, one of the most significant risk areas is exposing sensitive information governed by regulations, such as the GDPR and PCI. Much of this -such as a customer’s Personally Identifiable Information (PII) — ends up in non-production environments, such as development, testing,...

/regulation /devops Data Management and Governance

Alex Kreger

Alex Kreger Founder & CEO at UXDA

15 ChatGPT Prompts to Improve Customer Experience in Digital Banking

Traditional methods of UX design could be significantly empowered by ChatGPT—a powerful generative AI model. This article unveils the secrets of using ChatGPT prompts to drive innovation in banking UX, providing insights into how this tool can be integrated into the standard design process for transformative results. Why Integrate ChatGPT into the...

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

How Financial Product Design Affects Bank Profits

Customers no longer measure a bank by the magnificence of its buildings but by the quality of its digital product. The digital user experience (UX) is now the primary lens through which the majority of customers perceive the bank's brand, and it plays a critical role in shaping customer loyalty and trust. Digital products are becoming the founda

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Customer Experience Gap in Digital Banking: Why It Matters and How to Close It

Banks and financial institutions are under immense pressure to innovate and modernize their services. The goal is clear: enhance customer experience (CX) to stay competitive in a market where customer expectations are higher than ever. However, significant investments and hard work do not always translate into success. This article explores a rea

/retail /devops Banking Strategy, Digital and Transformation

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Digital Transformation in Banking: Get Rid of Illusory Expectations to Avoid Failure

The term "digital transformation" has become a buzzword in the banking sector, its popularity doubling over the past year, according to Google Trends. There are 114 million results in Google Search, and financial institutions boast about their revolutionary approaches, their seamless integration of cutting-edge technology and their forw

/retail /devops Innovation in 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. 

479 downloads

Impact Study

Microservices Architecture: Future-Proofing Payments Technology

It is high time for banks to move away from legacy thinking and embrace modernisation to remain competitive in the industry.  Financial institutions have long been threatened by innovative, tech-savvy fintech firms that do not have to maintain decades-old back-office systems. Core banking systems within banks have evolved, but with additional pressure from incoming regulation and subsequent reporting, progression and modernisation has not kept pace with industry developments.  In the US alone, the real-time payments market is expected to grow at a compound annual growth rate of 31% until 2030. An institution’s success in scaling their payment processing in response to this shift will rest heavily on how their systems are set up.  Cloud-native payments processing is the most viable option to keep pace with innovation demand and competition; enabling banks to build upon flexibility, at low cost and risk. These enablers also make cloud infrastructure – both public and private – attractive for banks that have struggled to streamline, maintain and upgrade their legacy infrastructures.  This Finextra research paper, produced in association with Diebold Nixdorf, explores the opportunities of microservices architecture. It discusses:  Then & Now: Monolithic vs. microservices architecture  Overcoming microservice challenges  The benefits of a micro-approach  Real-world examples and cases studies  And more.    Click here to join the Finextra webinar, hosted in association with Diebold Nixdorf, to watch as our panel of iindustry experts explore the benefits of microservices architecture, and what needs to be done to ensure migrations are streamlined.

407 downloads

Impact Study

AI and Cloud: The Proving Ground for Regulatory Resilience in 2024

The current macroeconomic landscape is marked by exceptional volatility and uncertainty, posing challenges to traditional models in the financial services sector. Despite this new challenging market context, some financial institutions continue to hit pause on using AI and cloud technology, falling behind the curve. Leveraging new technologies can no longer be a zero-sum game. This impact study explores: How can AI and cloud be leveraged to improve back-end processes, rather than just front-end experiences; How migrating to the cloud can fuel new use cases; The regulatory impact of PSD3, DORA and more; The benefits of data sovereignty and data governance; And more. Download this Finextra impact study, produced in association with Microsoft Azure, to learn more.

654 downloads

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FinextraTV

Can Every Product Be Climate Positive?

Richard Peers, founder of Responsible Risk, interviews Erik Stadigh, Co-Founder and CEO of Lune, winner of the EBAday 2024 FinTech Zone award, ahead of Sustainable Finance.Live 2024. They explore how corporate sustainability can be simplified by automating carbon emissions reporting through APIs and hosted solutions. With the goal of making every product and service climate-positive by integrating granular emissions calculations and carbon projects into bank and fintech offerings, we ask: can businesses truly decarbonise efficiently without relying on costly consultants or new tools? As greener decisions are made with minimal effort, the future may see every company becoming a climate company through seamless integration of climate data.

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Long reads

John Barber

John Barber Vice President and Head at Infosys Finacle

Forget fintech disruption - here's how European banks can become the disruptors

This article has been co-authored by John Barber, regional manager - Europe, Infosys Finacle, Narasimha Prasad Nagaraja, senior director at Infosys Finacle, and Ramprasath Ganesaraja, head of AI research at Infosys Finacle. The allure of AI for efficiency, profitability, and reimagined customer experiences is drawing global attention. The challenge...

Níamh Curran

Níamh Curran Senior Reporter at Finextra

How personalisation in embedded finance is the next step for African fintech

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Embedded finance looks primed for continued growth throughout Africa. As it does, there will be increasing opportunities for financial services to personalise their services and give users the best financial products for their needs. Personalisation is at the core of emb...

Warren Mutch

Warren Mutch Head of Speciality Finance at Shawbrook

What should non-bank lenders consider when seeking capital to grow?

Non-bank lending has evolved into an increasingly important source of finance for UK businesses and consumers, but without access to depositor capital, how can non-bank lenders expand their funding lines and support their clients? During the last decade non-bank lending has evolved from relatively niche market into a crucial source of finance for ...