/security

News and resources on cyber and physical threats to banks and fintechs worldwide.

[Webinar] Consumer Lending's Future: When Embedded Finance meets Smarter DecisioningFinextra Promoted[Webinar] Consumer Lending's Future: When Embedded Finance meets Smarter Decisioning

Join the Community

Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community.

Access unique research, content, and real-time alerts, services – free to registered members.

40,646 Members   23,994 Expert opinions

Join the community Sign in

298Reports  290Webinars

Find out more

/security

Expert opinions

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

The Future of Finance: How Post-Quantum Cryptography Will Secure Banking and Payments

Quantum computing threatens the cryptography that secures banking, payments, and digital assets. Discover how post-quantum cryptography (PQC) can future-proof financial systems, build customer trust, and prepare institutions for regulatory mandates. Introduction: The Invisible Clock About every generation, financial infrastructure experiences a gen...

/security /payments

Paul Holt

Paul Holt EMEA Group Vice President at Digicert

The quiet risks that can shake financial resilience

Late one evening, I tried to make a routine transfer through my online banking app. Instead of a smooth transaction, I was met with repeated error messages. The following day, it became clear that several banks had been hit by a DNS outage. For me, it was inconvenient. For the institutions involved, it was far more serious. Payments were delayed,

/security /retail Information Security

Erica Andersen

Erica Andersen Marketing at smartR AI

Data Sovereignty and AI: Building a Secure and Compliant Future for Financial Institutions

In the world of finance, data is the lifeblood. It fuels decision-making, drives innovation, and underpins the trust that customers place in financial institutions. However, with the increasing complexity of regulations, the ever-present threat of cyberattacks, and the rapid rise of Artificial Intelligence (AI), safeguarding this crucial asset ha

/ai /security Artificial Intelligence and Financial Services

Erica Andersen

Erica Andersen Marketing at smartR AI

Reshaping and Optimizing Finance with AI: A New Era of Cost Savings and Efficiency

Alright, buckle up, finance folks! Let's talk about how AI is about to totally revamp the way you do business, if it hasn’t already started to. Forget stuffy, complicated jargon – we're diving into the real deal: How AI is turning the financial world upside down, and why you need to get on board (or risk being left behind!) So, picture this: the

/ai /security Artificial Intelligence and Financial Services

Bo Harald

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

EUBWs are extremely important for NIS2

We all know that Business wallets are the only efficient way to counter fraud in banking - as discussed in the Mobey Forum meeting in Dublin today. We also know that Business wallets are needed to take AI-agents in use - also to take part in fight against cyber-crime costing 11 trillion dollars a year - and rising. We also now that PQC-capable bus...

/security /identity Digital Identity Management

/security

Trending

/security

Research

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. 

569 downloads

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. 

294 downloads

Report

PaaS, cloud and instant payments: Navigating the outsourcing question

Today’s institutions are in some ways faced with far greater challenges than ever before. Be it from the demand for ever-faster services; the pressure of always-on compliance; or the need to remain agile and competitive. Is PaaS the holy grail FIs have been looking for?  Outsourcing payments is an increasingly irresistible proposition for FIs. With end-user demand constantly evolving; real-time requirements on the rise; macro-economic trends becoming ever more unpredictable; and the pressure of regulatory compliance ratcheting up, the provision of proprietary payments has become a thorny pursuit.  Enter the stage: cloud technology. By leveraging modern tools and techniques to build, deploy, run, and manage software in a cloud-computing environment, FIs of all kinds can take advantage of scalability, elasticity, and automation. But the benefits of Payments-as-a-Service (PaaS) can extend beyond these practicalities – serving to revolutionise bank operations, unlock broader efficiencies, and enrich the end-user experience.  Mining this potential, however, obliges institutions to navigate some challenges. First, FIs must understand the potential of cloud-native technology as an engine for modernisation and embrace the cultural shift that is triggered by cuttingedge technologies. It may involve training, testing and concerted integration efforts.  Another key challenge is delegation: which tasks should be handed to third parties, and which should remain in-house? Indeed, when systems evolve, FIs must always keep one eye on compliance. As ever, approach and growth potential are directly impacted by the type and size of the institution in question, so approaches should be tailored.  This Finextra whitepaper, produced in association with FIS, evaluates:  The key considerations when placing client transaction data in the public cloud;  The art of delegation: Determining which tasks to offload;  The role of regulation and compliance; and  A PaaS checklist for finding the right solutions and partnerships.    Register to watch the related Finextra webinar, hosted in association with FIS – PaaS, cloud and instant payments in the spotlight: Overcoming outsourcing challenges

343 downloads

/security

FinextraTV

The Future of Digital Commerce: Preparing for an always-on, AI-powered world

Joining the FinextraTV studio at Mastercard's RiskX event in Rome, Craig Vosburg, Chief Services Officer at Mastercard discussed how a global economy that thrives on interconnected devices and AI is ripe for increasingly sophisticated cyber threats, and how organizations can prepare for this future with an always-on security approach and effective partnerships.

/security

Events

/security

Long reads

Retired Member

Retired Member

The UK’s moment to lead digital verification: A roadmap to economic growth and financial security

Following London Tech Week, the spotlight is on the technologies shaping our future, and one of the most important is digital verification. With more of our lives happening online, from banking to healthcare to everyday shopping, the need for secure, reliable ways to prove who we are has never been greater. That’s why digital verification is high ...

Luke Stubbs

Luke Stubbs Partner at Shoosmiths LLP

Mitigating cyber-risks in outsourcing: Contract strategies for compliance and protection

A clear and present danger In recent years, several prominent UK businesses have faced significant technology and cybersecurity challenges and the consequences of data protection breaches. For example, in October 2023, the Financial Conduct Authority (FCA) fined Equifax over £11 million for failing to manage and monitor the security of UK consumer ...

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

Ensuring operational resilience in 2025 – why the status quo no longer works

Operational resilience is on all UK payments leaders’ minds. In 2024, 95% of business leaders stated that they’re aware of operational weaknesses which leave them vulnerable, yet 48% said their organisations aren’t doing enough to improve resilience. The European Union (EU)’s Digital Operational Resilience Act (DORA) – having come into effect on 17...