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Expert opinions

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

How AI is Redefining Financial Infrastructure: From Embedded Lending to Autonomous Finance

🧭 Introduction: From Digital Efficiency to Intelligent Infrastructure We are entering the most transformative decade in financial services since the birth of digital banking. What began as a wave of mobile-first interfaces and API integrations is now evolving into something much deeper—AI-powered infrastructure that can learn, adapt, and reason. A...

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Pete McIntyre

Pete McIntyre Financial Services Director at Planixs

From Regulation to Resilience: Why the ECB’s Intraday Liquidity Guidelines Signal a Strategic Shift

In a precarious world of real-time payments, fintech disruption, and global economic uncertainty, liquidity has been elevated from a balance sheet metric to become a frontline operational challenge. The European Central Bank’s (ECB) recent guidelines on intraday liquidity risk management are a response to this shift. Far from adding bureaucratic ...

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Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

How Digital NBFCs Are Transforming Loan Against Securities

In recent years, the way we handle money and investments has changed a lot. More people are investing in mutual funds, shares, and bonds. But did you know that you don’t have to sell these investments when you need money? Thanks to something called Loan Against Securities, now you can get funds by just pledging your investments — and NBFCs are ma...

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Alex Pinto

Alex Pinto VP of Products - core banking at Pismo

How to Evaluate a Core Banking System

As digital transformation accelerates across financial services, for many banks, the foundation of innovation increasingly rests on a critical component: its core banking system. No longer just a back-office engine, as per what we have seen in the market, the core has become central to competitiveness, customer experience, and regulatory complianc...

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Fergus McKie

Fergus McKie Marketing at Planixs

Going beyond siloed box-ticking: Managing liquidity risk is a team game

Navigating regulatory compliance can feel like a tick-box exercise, and for many siloed functions of a bank that’s probably because it is! Media headlines remind us of the consequences of falling foul, from ‘slap on the wrist’ fines to widespread meltdown from misconduct and lacking due diligence. Compliance is a pressing issue for treasurers, and...

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Research

Impact Study

Case Management: The key to revolutionising cross-border payments

While the challenges of case management and inefficient E&I processes are not new, the need to address them is more pressing than ever – especially given the G20’s roadmap deadline and the impending global migration to ISO 20022.  In today’s digital era, end-users expect payments to be faster, cheaper and more convenient than ever before – whether domestic or cross-border. As global payment barriers are overcome, banks are tasked not only with meeting customer demands, but business and regulatory ones too.  Enhanced cross-border payments – as supported by the G20’s roadmap and the richer data that ISO 20022 provides – are becoming a real differentiator, with the capability to unlock tremendous value for institutions. However, while a lot of attention is paid to seamless transactions, one area has historically been overlooked: exceptions and investigations (E&I).  This continues to present a significant challenge for both payment providers and corporates, and is impacting numerous networks and technologies. Yet, if harnessed effectively, E&I tools can help institutions significantly reduce costs, speed up processing times, improve transparency and, by extension, satisfy the G20’s targets.  This Finextra impact study, in partnership with Swift, explores:  The advantages of effective E&I processes;  Why solutions are needed to reach the next level; and  How banks can effectively embed them in their infrastructures. 

280 downloads

Impact Study

Reimagining customer journeys: How can banks upscale experience and boost retention?

To stay competitive and better serve their customer base, financial institutions (FIs) must urgently reimagine their customer journeys — from onboarding to the broader lifetime experience — or risk facing a hit to their market share. Technology has significantly transformed the financial services industry, particularly over the last five years. Challenger banks and fintech firms have rapidly gained popularity thanks to their ability to offer fast, simple, digital services. According to data from Plaid, nearly nine out of 10 consumers were using a fintech application in 2023. This percentage will continue to grow.  Financial institutions (FIs) must urgently reimagine their customer journeys or risk facing a hit to their market share. Indeed, today’s customers are more likely than ever to switch primary banking relationships if they do not receive the services they are looking for. Young, digital natives continue to shape this market, with research revealing that 44% of Gen Z customers have changed their primary banking relationship in the last 12 months. The call to competition cannot be ignored.  But how can FIs innovate to meet these demands, while simultaneously running legacy systems? This Finextra impact study, in association with Hyland, explores how financial institutions can:  Reinvent onboarding and Know-Your-Customer (KYC) processes;  Upscale the overall customer journey;  Look to artificial intelligence (AI) for product enhancement and integration; and  Present real-world case studies for each of these objectives. 

246 downloads

Future of Report

The Future of US Digital Payments 2025: ACH & Beyond

A special edition for Nacha's Smarter Faster Payments 2025.    The US digital payments landscape stands at a transformative crossroads. With the launch of RTP in 2016 and FedNow in 2023, the foundational infrastructure for instant payments is finally in place - poised to revolutionise the speed, efficiency, and security of transactions across the economy.    Yet despite these advancements, the path to widespread adoption remains complex and cautious. Entrenched systems like ACH and Wire, with their deep integration and long-standing reliability, continue to dominate due to their established utility and the significant investment required to pivot toward newer rails.    It’s not just a question of technological readiness, but of mindset, cost, and strategy. The advantages of instant payments—real-time access to funds, reduced credit risk, and improved liquidity—are clear. However, to truly unlock these benefits, banks and institutions must overcome the inertia of legacy systems and embrace modernisation, often with the support of flexible, cloud-native solutions that can de-risk and streamline the transition.    This Finextra report, in association with Form 3, explores industry sentiment on the future of US digital payments and showcases the views of BNY, Citizens, Green Dot, J.P. Morgan, U.S. Bank, and the US Faster Payments Council. It explores:    Evolving ACH infrastructure;  Enhancing RPT and FedNow capabilities;  How new rails interact with existing rails;  Redefining transactional architecture through emerging technologies;  Recognising risk as a strategic advantage in fraud prevention;  Prioritising innovation and compliance at the same time. 

390 downloads

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FinextraTV

What Is Prompting The Growth in Demand For Pay by Bank?

While attending Money 20/20 2025 in Amsterdam, Todd Clyde, CEO, Token.io spoke with FinextraTV about Pay by Bank and what is driving its current growth. Defining what Pay by Bank is, Clyde showed how several initiatives and efforts across the world are contributing to a rise in its demand, how the technology itself has evolved, and what this might mean for the future.

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is supply chain finance?

Supply chain finance (SCF) – also known as reverse factoring – was birthed by globalisation and the increasingly complex, multi-party supply chains that enable it. While the use of SCF necessarily fluctuates in line with the health of the geopolitical landscape (as well as the shifting weight of regulatory and reporting requirements) it will remai...

Rajashekara Maiya

Rajashekara Maiya VP at Infosys

Corporate lending: Creating, delivering, and realising value

This piece has been co-authored by Ram Devanarayanan, associate vice president, senior industry principal at Infosys Finacle. Between 2015 and 2019, while the gap in bank lending to small and medium enterprises in the Eurozone shrank from 6% of GDP to 3%, a quarter of European SMEs still faced great difficulty in accessing finance. In 2022, amid ...

Paige McNamee

Paige McNamee

Why did SVB collapse?

In a spectacle brimming with action more compelling than anything seen at the Oscars, Silicon Valley Bank’s dramatic and total collapse over the weekend continues to unleash plot-twists on the beleaguered tech sector. The rapid downfall of the bank, a California darling, has dealt a terrifying blow to the industry, and the true fallout for the spac...