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Expert opinions

Ritesh Jain

Ritesh Jain Founder at Infynit / Former COO HSBC

Modernisation Missteps: The Future Is Built, Not Patched

By Dr. Ritesh Jain For over two decades, I have had a ringside view of industries valiantly grappling with one of the most intractable quandaries of our time: legacy modernisation. Whether one observes banking, retail, healthcare, or manufacturing, the narrative remains dishearteningly familiar. Organisations, often in the throes of optimism,

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Matt Ryan

Matt Ryan Chief Transformation Officer at Reef

Building Relationships with the Next Wave of Investors

Millennials have long been touted as avocado-eating, Instagram-obsessed youngsters. The reality however is that in 2024 the age group is now up to the age of 43, which means they now make up a powerful segment of the investing population. As they reach their peak earning years, their influence is reshaping investment management. Traditionally, inv...

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Prashant Bhardwaj

Prashant Bhardwaj Innovation Manager at Crif

Banks vs. Gen Z Expectations in 2025: A Roadmap for Bold Leadership

As Generation Z enters the financial world, banks face an unprecedented challenge: adapting to the expectations of a tech-savvy demographic while maintaining their existing customer base. With over four million Gen Z members projected to open new bank accounts each year through 2026, financial institutions must innovate to capture this emerging ma

/people /inclusion Banking Strategy, Digital and Transformation

Prashant Bhardwaj

Prashant Bhardwaj Innovation Manager at Crif

Are Financial Institutions Doing Enough to Meet Customer Expectations in the Digital Age?

In today’s rapidly evolving digital landscape, customers' expectations of financial institutions have reached unprecedented heights. With technology reshaping how we interact with banks, consumers demand seamless, personalized experiences catering to their needs. This article, supported by compelling statistics and insights, explores whether bank

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Alex Kreger

Alex Kreger Founder & CEO at UXDA

The CX Roadblock No One Talks About: Overcoming Self-Deception in Banking

Financial companies and banks worldwide are investing heavily to deliver the best possible customer experience and innovation to banking. They recognize the importance of meeting customer needs and staying competitive in a digital financial landscape. Despite these genuine efforts, many banks struggle to achieve the desired results. The culprit? S...

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Research

White Paper

Beyond Tomorrow In The Capital Markets

Technology has long been transforming the capital markets industry, but the tides are changing for what is considered success. Now more than ever, firms need to prioritise operational resilience.  Technological advances are indisputably reshaping how firms in the capital markets operate, however, as the reliance on technology grows, so does the impact of glitches and outages when they occur. Take the CrowdStrike global outage, for example, which caused an estimated $1.15BN and $140M in financial losses for the banking and financial sectors respectively.  The consecutive outages expose the fragility of technical infrastructure and underscore a need for better operational resilience across the capital markets. It also reiterates the importance of preparing for the EU’s Digital Operational Resilience Act (DORA), implementing uniform operational resilience rules for financial entities throughout Europe, and its equivalents elsewhere.  This Finextra whitepaper, produced in association with CJC, explores:  The challenges in the capital markets industry;  How institutions can address these challenges;  Ensuring future resilience by bridging the skills gap;  Real-world case studies;  And more. 

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Report

Love Change: The Dynamics of Modern Leadership

Change in financial services has become a differentiating factor. With that, the facets of leadership have and are still evolving, with a refreshed focus on the dynamics and instruments of change within organisations. The pace of change is a different proposition now than it used to be. The confluence of technology advances, which continue to occur exponentially, and consumer demand in combination with market and regulatory pressures give the context for the very real challenge of agility for financial institutions (FIs) of all sizes. This means in some cases wholesale transformation of traditional structures, hierarchies and business models, away from not only legacy technology stacks and systems, but also from endemic siloed cultures. Architects often say it is easier to demolish and start anew but with live running workforces and global operations in train, transforming an enterprise on-the-go requires astute and reasoned methods and a considered approach. It goes beyond placing the focus on technology, as the industry is wont to do. What are the core tenets of change and transformation? How does one effect change, enterprise-wide and what are the real dynamics of modern leadership? It takes the vision to identify processes that are redundant or limiting, for example longstanding Key Performance Indicators (KPIs) may be redundant within new business and operating models. Or the way in which teams interoperate and report may need to be adjusted; upskilling is likely a contributing factor; HR and recruitment parameters need likewise to be taken into account.  The instruments with which to change course need to be clearly and realistically set on course, but what else is required in order to inspire and influence. Is failure indeed required in order to succeed? This report from Finextra, in association with Mambu, engaged several industry leaders from a range of financial services organisations, to address the dynamics of modern leadership and what it takes to succeed and orchestrate change, not only once but as a constant.

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Report

Driving successful Cloud Transformation

Capital market firms face the challenge to evolve at pace with technology, so that they're able to innovate and adapt to the customer’s needs quickly. Cloud is seen as a key enabler to their digital future, however cloud adoption isn’t just about IT infrastructure. How can executives develop a holistic approach towards cloud modernisation to ensure their investments pay off? As ‘digital’ engulfs business strategies, large-scale financial services players need to develop smarter ways to adapt and accelerate technological change. They are also under constant pressure from fintechs operating on agile systems, rolling out products and services at speed. The pace of innovation at large firms often suffers due to the scale of operations, monolithic tech infrastructure, ‘people alignment’ and old ways of working. Challenges brought about by COVID require even greater levels of resilience and agility to navigate. More firms than ever are using cloud-led modernisation as a catalyst for holistic enterprise transformation, and crucially, this should lead to adaptable business models that can sustain growth and weather future uncertainties in an ever-changing milieu. To maximise the value from investment, operating models need to align closely business and tech strategies. A democratised approach needs to be implemented enterprisewide and with that, a portfolio management approach to balance the long-term evolution of the underlying platform whilst pursuing growth with new products and features. Technology modernisation is also an enabler for lean product management practices such as low-cost rapid experimentation for exploring and exploiting innovative opportunities. Organisational, as well as technological change is needed to ensure teams can tap into the acceleration and agility that cloud-based architecture promises. Organisations need a mind shift- moving from a top-down decision culture to an empowered agile workforce that can continuously deliver on strategic business outcomes. This research paper from Finextra, in association with Thoughtworks, is based on interviews with senior leaders on their plans and challenges around digital programmes and cloud modernisation.

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FinextraTV

ISO 20022 Mandates: A tipping point in financial transformation

In this Predict 2024 episode, Paul Thomalla, NED, UNIFITS, highlights the need for banks to adopt ISO 20022. Anticipating upcoming regulatory shifts in 2024, we discuss resource constraints, including ISO 20022-related challenges like talent scarcity and explore how banks can proactively use automation to ease the transition and alleviate skills shortage pressures.

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Long reads

Amanda Kavanagh

Amanda Kavanagh Contributor at Jobbio

How to make more money in 2025 and beyond

In finance and fintech, December is usually the month you find out if an end-of-year bonus is coming your way. A month of financial pressure for many and a time where we dream up plans for the new year, it’s not surprising that money is very much on our minds at the moment. If increasing your earnings is front and centre for you in those 2025 plans...

Hamish Monk

Hamish Monk Senior Reporter at Finextra

Redressing the ageing market data workforce

The talent pool in the market data industry is contracting, as the challenge of recruiting into the sector builds. At a fundamental level, this trend is being felt across the financial services sector, with news outlets lamenting a ‘brain drain’ issue for some time. More specific to the market data industry, however, is that its talent pool is ag...

Amanda Kavanagh

Amanda Kavanagh Contributor at Jobbio

How to overcome age bias in the job market

In the UK, over a third (35%) of workers are now aged 50 and over. As people live longer, healthier lives, and pension pots shrink, it makes sense that more people are working beyond traditional retirement. Despite this, age bias remains a significant issue. A new survey of 4,000 UK job seekers, and 1,000 HR decision-makers, including interviews w...