/wholesale banking

News and resources on transaction banking, corporate banking and supply chain finance.

[Webinar] Weathering Macroeconomic Headwinds: How should CFOs invest in Tech?Finextra Promoted[Webinar] Weathering Macroeconomic Headwinds: How should CFOs invest in Tech?

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.

43,843 Members   23,019 Expert opinions

Join the community Sign in

281Reports  270Webinars

Find out more

/wholesale

Expert opinions

Amey Prabhu

Amey Prabhu Solution Architect & Head of Trade Finance Product at Veefin

Corporate Banking Portals: From Transactions to Intelligent Financial Hubs

The corporate banking landscape is undergoing a significant digital transformation. Commercial banks worldwide are reimagining their portals to cater to the evolving needs of corporate treasurers. This shift is driven by demographic changes, rapid digital advancements, and the increasing demand for efficiency, consolidation, and actionable insight...

/wholesale

Amey Prabhu

Amey Prabhu Solution Architect & Head of Trade Finance Product at Veefin

Server Side Validations - Throughout Architecture Evolution

When I started off as a developer, there was no distinction between the frontend and the backend code. The coupling was tight, the architecture stateful and the screens where character-mode. Form validations where done through triggers. These triggers were written in C, which in-turn, would connect to DB. The processing logic remained in C. Archit...

/wholesale

Amey Prabhu

Amey Prabhu Solution Architect & Head of Trade Finance Product at Veefin

Standard Workflows, Strategic Architecture

While the core Trade Finance transaction processing workflows have remained largely unchanged for decades, the surrounding ecosystem has undergone significant transformation—and continues to evolve. The fundamental steps of the Documentary Credit process remain intact: the importer applies for a Letter of Credit, the issuing bank processes and issu...

/wholesale

Ashley Groves

Ashley Groves CEO and Founder at Deaglo

4 Ways We Integrated AI Into Our Startup (And The Hurdles We Overcame)

The AI Awakening From day one, our startup has leveraged Machine Learning and Data Science. But 24 months ago, the birth of Large Language Models (LLMs) catapulted AI into human consciousness. Most of us have now had that "Wow! moment"—the experience that stopped us in our tracks. Maybe you wrote a poem with AI that moved a loved one to t...

/ai /wholesale Artificial Intelligence and Financial Services

Jose Puccini

Jose Puccini AVP at BankTrade

📺 Today’s Episode: Neobank´s Saving Accounts

Today, we’re diving into a fintech battle: Europe vs. Latin America. Digital banks. High-yield accounts. Who’s got the best deal? Let’s break it down. Europe’s digital banks—think N26, Revolut, Bunq—are all about smooth UX, strong security, and solid regulation. You’ll get 2% to 4% APY on savings. Not bad, right? But here’s the catch: it’s predicta...

/retail /wholesale Fintech

/wholesale

Research

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. 

121 downloads

Impact Study

Cross-border payments: How is the market addressing G20 targets?

This impact study explores how far along the G20’s cross-border roadmap firms have travelled; why cutting-edge technology platforms are imperative in today’s instant payments world; as well as how financial leaders can go beyond the G20’s objectives, in order to ensure prosperity for the coming decade.  The cross-border payments market is one of the fastest growing money movement markets in the world. It reached $150 trillion in 2017, and by 2027 is expected to reach $250 trillion – a rise of over $100 trillion in just ten years. There are several factors that have led to the increase in global remittances, be they wholesale or retail in origin, including expanding supply chains; globalised investment flows; international trade and e-commerce; as well as the increased global movement of people, resulting in more money being sent across borders.  While cross-border payments are booming, many financial institutions are still struggling to keep their technology platforms up to speed, and the drive toward real-time is having deep ramifications for organisations’ operations. To address these challenges, a gathering of some of the world’s largest economies, known as the Group of Twenty (G20), set out a roadmap in 2021 to improve cross-border payments.  Also providing impetus for widespread modernisation are mandated initiatives like new, and continually evolving, ISO 20022 message and data standards and the European Union (EU)’s Digital Operational Resilience Act (DORA) – forcing players in the highly-competitive payments space to invest in smarter services, customer centricity, and on top of that, become the engines of growth.  This Finextra impact study, produced in association with Temenos, explores:   A status update on the G20 cross-border targets;  The need for modernisation - an overview of other factors affecting cross-border payments;  A roadmap for change beyond G20;  Real-life case studies. 

478 downloads

White Paper

UK Open Banking API Performance 2023-2024

In this fourth annual report, APIContext evaluated the performance of UK Open Banking APIs from 1 July 2023 to 30 June 2024. The UK’s Open Banking system is arguably the most advanced in the world, having been in place since at least 2018. The time in market for this ecosystem offers lessons and best practices to other countries that are looking to implement similar API-driven financial systems; as well as banks and financial institutions that seek to differentiate through quality customer experiences. In this updated report, APIContext evaluates the performance of Open Banking APIs provided by various types of financial institutions in the UK. These include the major “CMA9” banks (the nine largest banks required by UK law to provide Open Banking services), traditional High Street banks, credit card companies, building societies (similar to credit unions in the United States), and new digital banks, often called neobanks. All the data in this report are based on real API calls, having tested the APIs in real-world conditions using the same process that consumers would go through. These calls followed the FAPI (Financial-grade API) standards, which are specifically designed for securely sharing sensitive financial data. The report includes: Key analysis of the UK's Open Banking API performance 2023 - 2024 Availability and reliability of API endpoints Latency metrics (DNS, TCP connect, SSL handshake, processing, and total time) Performance by cloud provider (AWS, IBM, Azure, and Google) Comparative analysis between different bank types (CMA9, traditional, and neobanks) Cloud provider comparison and other detailed findings Key takeaways and recommendations for various players in the ecosystem

491 downloads

/wholesale

FinextraTV

What Are 'Future Safaris' and The 5 L's to Success?

Joining FinextraTV from CES in Las Vegas, Todder Moning, Head of Applied Foresights, U.S. Bank, shares his insights into the innovations at CES and how they inform his team’s view on the future. From explaining the role of futurists in banking to describing his 5 Ls for success, Moning provides his tips for future-proofing in the financial industry.

/wholesale

Long reads

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...

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Which banks are at risk after the SVB collapse?

When Silicon Valley Bank (SVB) failed last week, a 40-year legacy born in the innovation and optimism of its namesake Northern California birthplace died with it. Now that the nearly $200 Billion deposit institution – which according to many analysts may have banked more than 50% of all tech companies at some point in their existence – is gone, wh...