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News and resources on digital identity, trust, biometrics and Secure Customer Authentication.

[New Report] Modern Onboarding: Optimising KYC through Data Integration and AIFinextra Promoted[New Report] Modern Onboarding: Optimising KYC through Data Integration and AI

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Expert opinions

Paul Holt

Paul Holt EMEA Group Vice President at Digicert

How to improve trust and reduce risk with the X9 PKI Framework

In the fast-evolving digital landscape, financial institutions face increasing complexity and risk in managing their public key infrastructure (PKI). With rising cyber threats and regulatory scrutiny, the need for a more agile, transparent, and secure cryptographic framework has never been greater. The ANSI X9 committee’s work to establish a sta

/security /identity Digital Identity Management

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Here the original rambling version that ChatGPT shortened - all the way to Quantum risk

The big picture is getting much bigger. All the way to Quantum I started posting here long ago about payment automation and e-banking. Then about interconnecting bank customers with e-id, e-signing, e-invoicing and e-salary. Then about mobile banking and establishing the Mobey Forum in year 2000. I like to think that teamwork and networking around...

/ai /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

The big picture keeps getting bigger – all the way to Quantum-safe Trust Infrastructure

I began posting here years ago about payment automation and e-banking. Then about interconnecting bank customers with e-ID, e-signing, e-invoicing and e-salary. Next came mobile banking followed by the establishment of Mobey Forum in 2000. Teamwork and networking around these innovations raised productivity and service levels quite considerably for...

/ai /identity Artificial Intelligence and Financial Services

Tim Barnett

Tim Barnett CEO at Credas Technologies

Why the MLR reforms are a green light for digital ID

The UK Government’s upcoming reforms to the Money Laundering Regulations (MLRs) mark a major step forward in the adoption of digital identity across regulated sectors. With HM Treasury backing digital ID as a means to streamline checks and help meet the government’s aim of reducing compliance costs by 25%, the direction of travel is now clear: di...

/regulation /identity Digital Identity Management

Barley Laing

Barley Laing UK Managing Director at Melissa

Leverage mobile ID verification for KYC / AML compliance and global growth

With around five billion people in the world having access to a smartphone, out of a global population of just over eight billion, a mobile number is quickly becoming a vital part of the identity verification process in KYC and AML compliance, and in the fight against fraud. Traditionally, matching a name to an address has been and continues to be...

/regulation /identity Digital Identity Management

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Trending

Paul Holt

Paul Holt EMEA Group Vice President at Digicert

How to improve trust and reduce risk with the X9 PKI Framework

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Here the original rambling version that ChatGPT shortened - all the way to Quantum risk

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

The big picture keeps getting bigger – all the way to Quantum-safe Trust Infrastructure

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Research

Event Report

Modern onboarding: Optimising KYC through data integration and AI

The integration of technology and data continuity, combined with digitisation, automation, and AI, is revolutionising KYC and onboarding in the banking industry.  In today’s fast-paced financial landscape, efficient client onboarding is crucial for operational excellence and effective customer lifecycle management. Financial institutions are increasingly redefining their Know Your Customer (KYC) processes to reduce inefficiencies and enhance the overall customer experience.  Integrating advanced technologies and real-time data processing can significantly accelerate these processes, providing clearer customer insights and reducing complexities. Data integration and AI allow the streamlining of KYC and onboarding procedures, ensuring seamless interactions and improving transaction accuracy and security. By embedding these capabilities within client environments, institutions can facilitate easier access to verified information, fostering trust and long-term business relationships.  This report highlights the key takeaways of a Finextra webinar, hosted in association with NICE Actimize, by a panel of industry experts. Discover:  Today's KYC inefficiencies and challenges;  The impact and importance of data; and  How digitisation, integration, and AI can streamline KYC and onboarding. 

116 downloads

Future of Report

The Future of European Fintech 2025: A Money20/20 Special Edition

A special edition for Money20/20 Europe 2025. The European fintech space is seeing leaps and bounds in digital innovation, financial technology, and operational resilience. With incoming regulation focused on standarising the sector and disruptive fintech firms challenging banks - the ecosystem is in a transitional period.  Among these challenges, the fintech boom is sweeping the continent. New developments in AI, tokenisation, digital identity, open banking, and more is redefining the banking sector. Europe is primed to act as the epicentre for global fintech innovation.  This Finextra report dives into industry sentiment on what the future holds for European fintech, featuring key insights from NatWest Group, Standard Chartered, BNY Mellon, Magnetiq Bank, GoCardless, Moore Kingston Smith, Stripe, and Augmentum Fintech. It explores:  AI and predictive analytics integration in payments;  Enabling financial inclusion and accessibility in emerging markets;  The role of digital identity and behavioural biometrics in financial services;  Innovation in regulatory practices;  The revolutionary power of smart data and decentralised finance. 

459 downloads

Event Report

Risk-based authentication: Enhancing security and user experience in fraud prevention

In today’s rapidly evolving digital landscape, the importance of robust cross-channel authentication cannot be overstated. As businesses and consumers increasingly interact across multiple platforms, ensuring secure and seamless authentication processes is paramount.  Online platforms have become integral to modern financial activities, which necessitates secure and seamless transactions, backed up by robust authentication mechanisms. Risk-based authentication offers a dynamic security approach, balancing user convenience with stringent fraud prevention.  The integration of cross-channel data and advanced technologies like machine learning (ML) and artificial intelligence (AI) is vital, as well as access and understanding of data. High-quality data is the cornerstone of effective fraud prevention and detection, which is why organisations must invest in robust data engineering practices to ensure collected data is accurate and well-labelled.  This investment enables the development of sophisticated models to better identify and prevent fraudulent activities. Prioritising data quality enhances fraud prevention strategies, protecting businesses and their customers from potential threats.  So how can organisations holistically address risk-based authentication in a dynamic world? This webinar report summarises the discussion of a Finextra webinar, hosted in association with Mastercard, and explores:  Risk-based authentication in fraud prevention;  Adapting fraud prevention to evolving threats;  Advanced authentication strategies for corporate fraud prevention;  Digital IDs, channels, and exclusion. 

277 downloads

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FinextraTV

Is Flexibility the Main Driver of Growth for Identity Verification Solutions?

In this interview at Money 20/20 2025, Gus Tomlinson, Managing Director, Identity Fraud, GBG sat down with FinextraTV to discuss some of the progress being made when it comes to identity verification. Speaking about an increasingly fragmented landscape, Tomlinson explained how the history of technology has tended to encourage fragmentation, but that now it is important to focus more on finding solution that is designed not just for the industry, but for the end customer in mind. At the heart of all of this, Tomlinson holds flexibility up as being the primary driver of growth.

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is boss-tech?

Accountancy firm PwC has launched a biometric-based “traffic light system” in its offices, enabling managers to digitally track employees’ attendance. Such measures – known as ‘boss-tech’ – are part of a rising tide of in-house biometric deployment by institutions within the UK financial services industry. But here’s the contention: Is boss-tech ...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Beyond the binary: Fixing KYC for the LGBTQ+ economy

This Finextra long read series will focus on how the fintech industry can serve underrepresented LGBTQ+ customers during and after Pride Month – a celebration of the LGBTQ+ community and the contributions of lesbian, gay, bisexual, transgender and queer culture. By recognising that many individuals within the LGBTQ+ community, particul...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Will identity become the ultimate currency?

This is an excerpt from The Future of European Fintech 2025: A Money20/20 Special Edition. The meaning of the term “Digital DNA” keeps changing as technology, especially in financial services, marches inexorably forward. What once might have literally meant how DNA (in genetic terms) is expressed in a digital format now encompasses many facets – r...