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News and resources on payments systems, innovations and initiatives worldwide.

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Expert opinions

Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

7 Questions to Ask Before Investing in a Remittance Technology Partner

According to the World Bank, global remittance flows to low- and middle-income countries reached $669 billion in 2024. That number keeps growing as more customers demand speed, affordability, and transparency in cross-border transfers. Think about it, your customers expect to send money from Nairobi to London or New Delhi to Lagos in minutes. Not ...

/payments /inclusion

Nikunj Gundaniya

Nikunj Gundaniya Product manager at Digipay.guru

Common Onboarding Challenges Faced by Banks (and How to Solve Them with eKYC)

Suppose a customer walks into your bank for the first time. They expect speed, convenience, and trust. But instead, they face multiple forms, repeated document submissions, and days of waiting for approval. What happens next? They drop off. And once they leave, the chances of them returning are slim. Studies show that 68% of banking customers ab...

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Leon Du Plessis

Leon Du Plessis Key Account Manager at The ai Corporation

How to meet the compliance challenges of open-loop fleet card programmes

The fleet and fuel card industry stands at a crossroads. For decades, the ecosystem relied on closed-loop solutions, accepting cards only at specific, pre-approved merchant locations. This model has been stable and predictable, but a new era of technology, driven by consumer expectations and evolving regulations, demands a shift. The industry is n...

/payments /identity Payments strategies 2015-2020-2030

Anand Salodkar

Anand Salodkar Manager at Dolby Labs

Google’s Agent Payments Protocol (AP2): A New Chapter in Agentic Commerce

The way we pay for things has always followed a familiar pattern: a human browses, selects, and approves a transaction at checkout. But what happens when that “human in the loop” is replaced or at least supported by an intelligent agent that can shop, negotiate, and purchase on our behalf? Google’s recent announcement of the Agent Payments Protoco...

/payments /regulation

Dmytro Spilka

Dmytro Spilka Director and Founder at Solvid, Coinprompter

Can I Manage My Own SIPP? Pros and Cons of Private Pensions

Self-invested personal pensions (SIPPs) are great if you want to build your pension pot on your terms and use your experience, or that of a trusted account manager, to grow your wealth ahead of retirement. However, there are some considerations to keep in mind. By definition, a SIPP is a form of personal pension that’s designed for individuals wh...

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Research

Survey

Payments 2030: What’s shaping the future?

Assessing the global state of payments modernisation in our latest Finextra survey. As we approach 2030, the payments landscape is transforming faster than ever. Many financial institutions across the world are on a digital transformation journey, investing in new technologies. However, many are held back by legacy systems in a world where speed, resilience, and reliability are critical.  Finextra Research, in association with ACI Worldwide, surveyed 162 global industry leaders in the summer of 2025 to reveal how organisations are aligning their payments strategies with market and regulatory demands, the challenges they face, and the technological and operational shifts shaping investment decisions.  Input from leaders at The Clearing House, Deutsche Bank, and the US Faster Payments Council reinforce both the significant progress made and the critical work ahead. As financial institutions navigate ongoing shifts in the payments landscape, modernising cloud and infrastructure capabilities has become central to delivering real-time, resilient, and scalable services.  Download this Finextra survey report, produced in association with ACI Worldwide, to discover:  Current and predicted cloud adoption trends;  Instant payment plans and adoption timelines;  A2A payment growth forecasts;  Readiness for rising digital payment volumes;  Budget priorities for compliance vs innovation;  Innovations set to disrupt the payments ecosystem; and  Strategies for navigating regulatory pressures such as ISO 20022. 

348 downloads

Future of Report

The Future of Cross Border Payments 2026: Strategies for Success

A special edition for Sibos Europe 2025 The pace of the financial industry is unrivalled. The cross-border payments landscape is rapidly evolving and maturing as emerging technologies develop, new regulations come into play, fraud dominates, and global consumers demand instant payments.  How is the industry responding to these changes, and what strategies are banking experts and leaders deploying to combat the onslaught of challenges as the future draws nearer? Sibos 2025 in Frankfurt will be a forum for conversation on the next steps for the financial sector, and how to conquer the next frontier of global finance.  This Finextra report analyses key innovations, explorations, and sentiments on the cross-border payments landscape, featuring key insights from Absa CIB, BNY, Crown Agents Bank, Commerzbank, the Financial Conduct Authority, FV Bank, HSBC, ING, Januar, JP Morgan, National Australian Bank, RBI, Santander, Société Générale, Standard Bank, Standard Chartered, State Street, and ZA Bank. It discusses:  Agentic AI and GenAI revolutionising cross-border payments;  The implications of a post-ISO 20022 migration world;  How banks are future-proofing their cross-border payments frameworks;  Financial crime and fraud prevention in payments;  The digital transition to cloud native infrastructure;  Challenges and opportunities in instant payments;  How rapidly emerging technologies will define the future of cross-border payments. 

565 downloads

Event Report

The Outsourcing Imperative: The strategic importance of partnerships for cloud-based payments

The financial services industry is at a pivotal moment where cloud technology and strategic outsourcing offer pathways to enhanced operational efficiency and competitiveness. Explore the Outsourcing Imperative.  In today’s rapidly evolving financial landscape, managing complex financial systems has become increasingly challenging for banking providers. The demands of mature cloud technology, evolving payment rails, and channels such as real-time cross-border payments and stablecoins require innovative solutions. Additionally, regulatory differences by country and region add another layer of complexity, especially for banks operating across multiple borders.  With the buzz around generative AI and other emerging tools, financial institutions must consider outsourcing certain functions to maintain competitiveness and efficiency. Enhancing user experience and regulatory compliance are paramount, as customers now expect a variety of payment options, from digital wallets to AI-driven payment agents. Outsourcing becomes key in today’s payments landscape, and financial institutions are increasingly turning to Payments as a Service (PaaS) to navigate the complexities of modern banking operations.  This report highlights the key takeaways of a Finextra webinar, hosted in association with FIS, by a panel of industry experts. Discover:   Drivers for adopting cloud-based payments;  Why banks and cloud are still an unfinished story;  Why outsourcing is necessary in today's payments landscape; and  How banks can change the status quo through partnerships. 

175 downloads

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FinextraTV

AWS and Murex Partner to Transform Capital Markets through Cloud Innovation

Joining the FinextraTV studio at Sibos 2025 in Frankfurt to discuss their collaboration agreement, Dr. Charlie Sanderson, Director, EMEA, Technology Partnerships, AWS, and Maroun Eddé, Murex’s president, explained the power of cloud innovation as they look to transform capital markets.

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Events

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is API standardisation?

Application programming interfaces (APIs) are a millennial innovation opened out to the financial sector through a series of open banking regulations – the first instalment of which, the Payment Services Directive, was introduced in 2007. APIs transport requests – in the form of data – from one system to the other, informing the provider what the...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Top payments stories you missed in August 2025

Summer is almost over – catch up on Finextra’s top payments stories from August, here. UAE closes in on launch of Digital Dirham The Central Bank of the United Arab Emirates (CBUAE) will soon launch the retail and wholesale central bank digital currency (CBDC), the Digital Dirham, to licensed financial institutions. Having been in the pipeline for ...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Why are orchestration tools essential within today’s payments arena?

Be it small e-commerce firms, sprawling corporations, or financial institutions within open finance contexts, organisations of all stripes must at some point face the challenge of uniting innumerable payment service providers (PSPs) within a secure and seamless payments ecosystem. The most effective way to do this is by deploying orchestration too...