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

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Expert opinions

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

From Commodity to Couture: Why Design in Banking Stays Untapped Competitive Edge

In a world where people wear their brands like badges of identityโ€”from the phone in their hand to the sneakers on their feetโ€”banking remains curiously invisible. Its digital products are often indistinguishable, stripped of soul, wrapped in sameness. But this week, something rare happened. Because hereโ€™s the paradox: while consumer brands chase em...

/retail /identity Innovation in Financial Services

Bo Harald

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

Two Paradigm Shifts: Trust Infrastructure and AI-Agentics

For the past seven years, I have been advocating for faster adoption of organisation wallets to enable verifiable credentials to start streaming through the European Trust Infrastructure (TI). Much of this has been in support of the publicโ€“private not-for-profit Findynet co-operative in Finland, and as a co-founder or active contributor in initia...

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

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

What should I do next?

I first asked ChatGPT to describe me. My modesty forbids me to share the glowing terms in an astonishingly thorough description. Then I asked what I should do next. ChatGPT said: "Great question โ€” and fitting, given Boโ€ฏHarald's long-standing role in driving digital trust, identity, and economic infrastructure forward in Finland and Eu...

/ai /identity Artificial Intelligence and Financial Services

Slava Mehovich

Slava Mehovich Founder at AKDev Group

๐—™๐—ฎ๐—ฐ๐—ฒ ๐—œ๐—— ๐˜ƒ๐˜€. ๐—™๐—ถ๐—ป๐—ด๐—ฒ๐—ฟ๐—ฝ๐—ฟ๐—ถ๐—ป๐˜๐˜€

Biometric technologies such as Face ID and fingerprint scanning are actively discussed in the financial technology industry. Let's figure out which one is more reliable in the context of financial transactions. Face ID uses an infrared TrueDepth camera that projects more than 30,000 dots to create a 3D map of the face. The data is converted into a...

/security /identity Biometrics

Bo Harald

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

To the point about AI-agents needing verifiable credentials

Jamie Smith always worth reading: " Despite the froth, something deeper is happening. While the early numbers might be unimpressive, the broader shift is unmistakable. AI Agent systems are starting to appear across every layer of business, and investors are betting on consumer applications for everyday life. The real question isnโ€™t whether t...

/ai /identity Artificial Intelligence and Financial Services

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Trending

Bo Harald

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

Two Paradigm Shifts: Trust Infrastructure and AI-Agentics

/identity

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. 

8 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. 

433 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

/identity

FinextraTV

What is Non-Bank Access & How Is It Changing in 2025?

Speaking to FinextraTV at Money 20/20, Neil Hopcroft, Director - Head of Global Strategic Accounts, Form3 provided his insights into the key pressing topics in the industry. As well as regulation and verification of payee, Hopcroft helps to define what non-bank access is and why it is beginning to gain speed in 2025. Looking to the future, he also explains how some of the developing banking models and experiences could herald an innovative selection of solutions.

/identity

Long reads

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 โ€“ 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 โ€œDigital DNAโ€ 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 โ€“ r...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What is Digital Company ID? CFITโ€™s blueprint for fraud prevention

The Centre for Finance, Innovation, and Technology (CFIT) has published a Digital Company ID plan to crack down on fraud and support UK businesses. CFIT led a coalition of over 70 organisations including financial institutions, government agencies, tech firms, policymakers, and academics, to develop and analyse Digital Company ID. According to the ...