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John Reese

John Reese Business Analyst | Platform Growth Expert at Hashcodex

Perpetual Trading: The Entrepreneur’s Path to Consistent Market Wins

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

From Inside-Out to Outside-In: Why UX Now Underpins Future Banking

12

Daniel Lowther

Daniel Lowther Head of Fintech at CCGroup, a Hoffman Agency

How do I work with B2B fintech influencers?

1

[Webinar] GenAI and Data Management: The Next-Generation Approach to Customer ExperienceFinextra Promoted[Webinar] GenAI and Data Management: The Next-Generation Approach to Customer Experience

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Expert opinions

John Reese

John Reese Business Analyst | Platform Growth Expert at Hashcodex

Perpetual Trading: The Entrepreneur’s Path to Consistent Market Wins

Did you hear the news? The Bitcoin price is falling. Yes, that is true. So what will happen next? Will the market keep moving up and down? Many spot traders may start trading futures. Why? Because futures let you make money when the market moves a lot. Now, think as an entrepreneur. Why not use this chance? You may ask, "What is special about...

/crypto /markets Cryptocurrency Insights

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

From Inside-Out to Outside-In: Why UX Now Underpins Future Banking

In the past, banks built themselves from the inside out—and for decades, it worked. Products were developed around a sturdy core banking system and rigid business process to ensure security and trust, distributed through branch networks, and only then wrapped in a customer experience and brand veneer. But those days are over because customers and ...

/retail /markets Innovation in Financial Services

Daniel Lowther

Daniel Lowther Head of Fintech at CCGroup, a Hoffman Agency

How do I work with B2B fintech influencers?

Influencers - or should I say “finfluencers” - have become a serious force in fintech. Success stories like Klarna and Snoop show that authentic influencer partnerships can build real consumer trust. While B2C has led the charge to date, momentum is building fast in B2B. 75% of B2B finance brands are already using influencer marketing and 93% of ...

/people /markets Marketing in Financial Services

Muhammad Qasim

Muhammad Qasim Senior Software Developer at PSPC

XMR Prospects to 2030 : The Future of Privacy, Decentralization, and Financial Sovereignty

In the developing world of cryptocurrencies, few have remained ideologically pure and technically sound as resolutely as Monero (XMR). As a cryptocurrency intended to prioritize decentralization and anonymity, Monero is unique among mainstream blockchains that increasingly compromise anonymity for regulation. As the globe becomes increasingly pola...

/crypto /markets Cryptocurrency Insights

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

Top 10 Fintech Software Development Companies Leading the Technological Revolution 2025

The financial technology world keeps changing fast in 2025, pushed by artificial intelligence, blockchain ideas, and changing customer hopes. As digital banking use speeds up worldwide, business decision makers in the finance industry actively look for reliable technology partners able to deliver cutting-edge solutions that mix new ideas with rule...

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Trending

John Reese

John Reese Business Analyst | Platform Growth Expert at Hashcodex

Perpetual Trading: The Entrepreneur’s Path to Consistent Market Wins

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

From Inside-Out to Outside-In: Why UX Now Underpins Future Banking

Daniel Lowther

Daniel Lowther Head of Fintech at CCGroup, a Hoffman Agency

How do I work with B2B fintech influencers?

/markets

Research

Impact Study

How can businesses bridge the gaps in their cashflow?

Macroeconomic forces are ratcheting up the cashflow pressures of small and medium-sized businesses (SMBs) and large middle market (LMM) enterprises. How can they optimise cashflow?  While the consumer space has experienced a wave of digitisation – with credit initiatives thriving, such as embedded finance and Buy Now Pay Later (BNPL) schemes – the equivalent trend has been slower to advance within the business world. This may be for several reasons, such as structural, regulatory and governance delays – particularly in Central Eastern Europe. Nevertheless, given the increasingly debit-heavy market in Europe, the need for cashflow solutions remains.  More than ever, businesses stand to benefit from revolving credit facilities (RFC) to bridge gaps in their working capital, boost liquidity and sharpen their short-term financial health. Such solutions offer a means to weather the unpredictability of global market forces and get behind new projects that require upfront investment, like expansions or productivity hikes.  Some SMB markets, however, show more receptiveness than others. In France, Italy and Germany, there has been strong adoption of deferred debit, along with overdrafts and loans – with less enthusiasm for classic RCFs. The United Kingdom (UK)’s SMB sector, meanwhile, has welcomed credit cards to bolster its books.  Yet across the board there is a need for solutions that are tailored to each vertical and cover the full gamut of businesses’ modern-day requirements, including transparent e-invoicing, dynamic discounting, chargebacks, factoring, interest-free credit, digitisation, and so on.  Historically, banks have been good at serving the large corporate space vertically, though not so good in the SMB space; typically viewing it from a one-size-fits-all perspective. This approach is no longer tenable, as evidenced by the success of newer entrants. SMBs and LMMs are not just looking to hand down instant and embedded credit services to their customers, they are looking to pass it on to the organisations they transact with – ensuring their sales journey and purchasing experience is cutting-edge and flexible.  This Finextra impact study, in association with Visa, explores:  New market pressures and the evolving needs of SMBs and LMMs;  How organisations can bridge cashflow gaps with working capital solutions;  The benefits of tailoring solutions by vertical; and  Real-life case studies to showcase the options available. 

133 downloads

Impact Study

Exploring the rise of originate-to-distribute (OTD) models

Opportunities and challenges for banks in the secondary loan trading market  The lending market has markedly evolved in the last couple of decades. One of the most significant aspects has been the shift from originate-to-hold to originate-to-distribute (OTD) models. Whereas historically, lenders used to originate loans and hold them through maturity, several market factors have necessitated a diversification of risk. Diversification of funds, optimisation of asset management, risk optimisation, as well as a need for increased profitability have catalysed the OTD model— particularly when banks retain the right to service the loans.  However, barriers to adoption remain as banks grapple with infrastructure and data concerns, and regulatory updates in the space are further affecting how banks approach and optimise their OTD models. On top of that, increasing interest rates over the last four years have meant increased risk for banks that are already struggling with regulatory and capital cost. Add to this the rise of private credit institutions that offer direct lending (and face lower regulatory and capital cost), and banks are starting to feel the pressure of decreasing margins.  This Finextra impact study, produced in association with FIS, explores:  The growth of OTD models and the secondary loan trading market;  The challenges banks face in the lending space, including: Increased competition, Inadequate data structures, and Regulatory requirements;  The opportunity that OTD models— combined with artificial intelligence (AI)—offer to help optimise banks’ portfolios and balance sheets.    Register to watch the related Finextra webinar, hosted in association with FIS –  Entering the Originate-To-Distribute era: Exploring commercial lending and portfolio diversification

177 downloads

Survey

US Regulation Survey 2025: Compliance at a Crossroads

Assessing financial industry preparedness in a shifting US regulatory landscape as organisations struggle with deadlines, cost, and technology. In an environment of rapidly evolving regulations, driven by legislative and policy shifts at the federal and state levels, the US regulatory landscape is marked by complexity and uncertainty. Understanding the level of preparedness across industries is crucial for ensuring compliance, mitigating risk, and enhancing operational efficiency. This survey was conducted at the beginning of 2025, gathering financial services industry sentiment as the Trump Administration took office and began pivoting on key regulatory elements. With the US financial regulation regime also somewhat in limbo, that uncertainty was – and is – increasingly impacting the views of the 200 organisations surveyed. Analysis of our survey responses provides a comprehensive overview of the state of regulation readiness in the US, differences in reporting obligations, the impacts of automation for compliance, the roles of technology and data, and industry plans for modernisation. We explore: Which regulations will have the biggest impact on US financial services in 2025; Regulatory effects on organisational frameworks, budgets and staffing; How organisations are leveraging technology and partnerships to streamline regulatory compliance.

289 downloads

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FinextraTV

How the City of London Is Growing Its Identity as a Global Fintech Hub

Attending the Communify Insights Experience in London, Howard Dawber, Deputy Mayor for London, Business & Growth joined the FinextraTV studio to share details on London's identity as a growing hub for Fintech and how it compares to other global cities.

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Long reads

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

UK’s Leeds Reforms set stage for global fintech leadership by 2035

Last week UK Chancellor Rachel Reeves unveiled the first-ever Financial Services Growth and Competitiveness sector plan and her aim to make the UK “the number one destination for financial services businesses by 2035, attracting inward investment and creating good skilled jobs across the UK.” Fueling fintech innovation, talent and scale-up support...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Why and how America’s midsize cities are leading the way in business payments

“Go West (or maybe, Go South instead), young business!” is an appropriate hallmark slogan for post-pandemic small business payment and general population trends. Even if the US and its communities large and small have changed substantially - and the economic and political environment is dramatically different than in the days of this original quot...

Chloé Wade

Chloé Wade VP International Financial Services UK at IDA Ireland

How Ireland is shaping the circular future of European fintech

As Europe’s digital finance ecosystem matures, innovation alone is not enough to ensure scalability, future growth and longevity. Regulation, customer expectations, user experience (UX), and social responsibility are raising the bar for all companies, including in financial services and amongst fintech firms. Firms capable of balancing growth with...