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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

Artem Barmin

Artem Barmin Co-founder and CTO at Freshcode

Modernizing Financial Systems: Lessons from the Ground Up

Legacy systems still run the world's money, but they're not doing it gracefully. Most banks are stuck with codebases that can't move fast, can't integrate easily, and make even small changes feel like heart surgery. It doesn't have to be this way. Here's why these old systems are killing your momentum and how switching to functional languages like...

/devops Trends in Financial Services

Barnabás Birmacher

Barnabás Birmacher CEO and Co-Founder at Bitrise

Cloud, Compliance and UX: Navigating Change in European Banking

The past decade has seen wholesale adoption of cloud infrastructure across the finance industry. This trend has been underpinned by US technology providers, from Microsoft Azure to Oracle and Google Cloud, decreasing their prices as economies of scale in US-based data centres accelerate. And while going cloud native brings benefits to product deve...

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Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Internal Innovation Illusion: Why In-House UX Could Cost You the Market

Beneath the surface of every large retail bank lies a truth rarely voiced in boardrooms but whispered in team huddles: genuine digital transformation cannot succeed on in-house talent and legacy alone. While product teams brim with bold ideas—AI-driven analytics, intuitive dashboards, brand’s digital leadership—their proposals repeatedly collide w...

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Why Bank Boards’ Brilliant Strategies Vanish Inside Their Digital Products

Picture a pristine strategy deck projected in the boardroom: bold growth curves, purpose-driven mantras, and a promise to “re-imagine banking for the digital age.” Now contrast that cinematic vision with the reality on your phone—an app that greets you with a spinning wheel, a five-step login, and a “try again later” toast. Somewhere between the m...

/retail /devops Innovation in Financial Services

Mike Trkay

Mike Trkay CIO at FICO

Using AI to Transform Technical Operations in Your Organization

In today’s fast-paced and highly complex technology landscape, operations teams face the challenge of managing vast amounts of data, ensuring high availability, and responding quickly to incidents while maintaining service reliability. Artificial Intelligence is emerging as a powerful tool to transform how operations teams work, offering smarter, ...

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Research

Impact Study

Reimagining customer journeys: How can banks upscale experience and boost retention?

To stay competitive and better serve their customer base, financial institutions (FIs) must urgently reimagine their customer journeys — from onboarding to the broader lifetime experience — or risk facing a hit to their market share. Technology has significantly transformed the financial services industry, particularly over the last five years. Challenger banks and fintech firms have rapidly gained popularity thanks to their ability to offer fast, simple, digital services. According to data from Plaid, nearly nine out of 10 consumers were using a fintech application in 2023. This percentage will continue to grow.  Financial institutions (FIs) must urgently reimagine their customer journeys or risk facing a hit to their market share. Indeed, today’s customers are more likely than ever to switch primary banking relationships if they do not receive the services they are looking for. Young, digital natives continue to shape this market, with research revealing that 44% of Gen Z customers have changed their primary banking relationship in the last 12 months. The call to competition cannot be ignored.  But how can FIs innovate to meet these demands, while simultaneously running legacy systems? This Finextra impact study, in association with Hyland, explores how financial institutions can:  Reinvent onboarding and Know-Your-Customer (KYC) processes;  Upscale the overall customer journey;  Look to artificial intelligence (AI) for product enhancement and integration; and  Present real-world case studies for each of these objectives. 

245 downloads

Report

PaaS, cloud and instant payments: Navigating the outsourcing question

Today’s institutions are in some ways faced with far greater challenges than ever before. Be it from the demand for ever-faster services; the pressure of always-on compliance; or the need to remain agile and competitive. Is PaaS the holy grail FIs have been looking for?  Outsourcing payments is an increasingly irresistible proposition for FIs. With end-user demand constantly evolving; real-time requirements on the rise; macro-economic trends becoming ever more unpredictable; and the pressure of regulatory compliance ratcheting up, the provision of proprietary payments has become a thorny pursuit.  Enter the stage: cloud technology. By leveraging modern tools and techniques to build, deploy, run, and manage software in a cloud-computing environment, FIs of all kinds can take advantage of scalability, elasticity, and automation. But the benefits of Payments-as-a-Service (PaaS) can extend beyond these practicalities – serving to revolutionise bank operations, unlock broader efficiencies, and enrich the end-user experience.  Mining this potential, however, obliges institutions to navigate some challenges. First, FIs must understand the potential of cloud-native technology as an engine for modernisation and embrace the cultural shift that is triggered by cuttingedge technologies. It may involve training, testing and concerted integration efforts.  Another key challenge is delegation: which tasks should be handed to third parties, and which should remain in-house? Indeed, when systems evolve, FIs must always keep one eye on compliance. As ever, approach and growth potential are directly impacted by the type and size of the institution in question, so approaches should be tailored.  This Finextra whitepaper, produced in association with FIS, evaluates:  The key considerations when placing client transaction data in the public cloud;  The art of delegation: Determining which tasks to offload;  The role of regulation and compliance; and  A PaaS checklist for finding the right solutions and partnerships.    Register to watch the related Finextra webinar, hosted in association with FIS – PaaS, cloud and instant payments in the spotlight: Overcoming outsourcing challenges

333 downloads

Impact Study

Surviving digital fallout: Operational resilience in 2025 and beyond

Almost every financial institution loses money each year to outages. What does an optimal resilience strategy look like in 2025?  The financial sector is increasingly dependent on technology to deliver its offering. Notwithstanding all the benefits this brings for productivity, reach, and customer satisfaction, its side effect is that the sector is increasingly vulnerable to network and software issues, third-party service slip-ups, cyberattacks, and capacity problems. If not managed correctly, a compromised IT system can spark knock-on disruptions to financial institutions, the firms they trade with, their supply chains, and even the economy-at-large.  To mitigate such risks, the global marketplace has been flooded with regulations aimed at bolstering operational resilience. Most recently, Europe’s answer has been the Digital Operational Resilience Act (DORA) – the deadline for which passed on 17 January 2025. However, these regulations are only guidelines; they mandate a minimum level for compliance, instead of an ideal strategy to holistically handle outages.  In this Finextra impact study, produced in association with Cockroach Labs, we speak with leading firms in the space to understand the best-in-class strategies they have adopted to achieve operational resilience. In the most effective cases, firms go beyond compliance, and exploit regulations as a business opportunity to stimulate productivity, increase competitiveness, and reduce costs. In today’s increasingly digital marketplaces, architectures must be operationally simple and flexible, as well as global and robust.  We explore:  The growing challenge of outages;  Regulation, DORA, and resilience requirements;  What an optimal resilience strategy should look like in 2025 and beyond;  How organisations can future proof their operations while staying agile for future regulatory requirements. 

196 downloads

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FinextraTV

How Knowledge Bases Enable Trusted Insights

During a quiet period at the 2025 Communify Fincentric Experience, Yaela Shamberg, Chief Product Officer, sat down with FinextraTV to give her outlook on the current technological landscape. From the innovation of componentization, data knowledge bases and brand differentiation, Shamberg discusses the main optimisms for 2025 in Fintech.

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Long reads

Anuradha Raman

Anuradha Raman Product Owner at Pay.UK

Confirmation of Payee five years on

Five years ago, the UK's financial landscape underwent a profound transformation with the introduction of Confirmation of Payee (CoP) . The service was launched by Pay.UK in 2020 to reduce the number of misdirected payments by verifying the account details of the intended recipient before a payment is made. Having since also demonstrated its effec...

Retired Member

Retired Member

How proptech and fintech is coming together for a smarter future

The convergence of proptech and fintech is reshaping the future of both sectors. It brings all-embracing implications for the entire real estate sector, from planning and construction to loans, sales, and maintenance, and significant implications for the finance sector in expanding access to a major asset class that can be easily accessible, funda...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What is the future of money in Europe?

The following article is an excerpt from The Future of European Fintech 2025: A Money20/20 Europe Special Edition. In the European payments space, emerging technologies are taking the lead to define what the next big thing will be in banking. Where is the future of payments leading, and how will it benefit the consumer and propel the industry forw...