Scott Smith Co-founder at Fizz
In the wake of the 2009 Credit Card Accountability, Responsibility, and Disclosure (CARD) Act, college students found themselves in a peculiar financial predicament. While the intention behind the Act was good—protecting young adults from predatory lending practices and mounting credit card debt—it inadvertently created a significant barrier for s...
16 January 2025 /payments /startups Financial Inclusion
Paula Hunter Executive Director at Mojaloop Foundation
Financial inclusion is a cornerstone of global development, yet women remain disproportionately excluded from the formal financial system. According to the World Bank, more than 740 million women worldwide lack access to a bank account, hindering their ability to save, borrow, or invest. This gap has far-reaching implications, not just for women b...
16 January 2025
Ugne Buraciene Group CEO at payabl.
It’s amazing that Open Banking, once a visionary concept, is now celebrating its seventh anniversary. When it launched in the UK in 2018, its mission was clear: to transform the financial services landscape by giving consumers and businesses greater control over their data, enhancing competition, and fostering innovation. Seven years on, it’s time...
16 January 2025 /payments Open Banking
Nelson Castellanos Chief Partnerships Officer at HDI Embedded
The dust has long settled on Black Friday and 2024’s proved to be more popular than ever. According to Shopify, its merchants ‘hit a record $11.5 billion in sales over the Black Friday-Cyber Monday (BFCM) weekend—up 24% from last year with strong sales momentum leading up to the event.’ Black Friday is a time of intense pressure and promise f...
16 January 2025 /retail /predictions Trends in Financial Services
Luke Allchin Director - North America at RFI Global
Life insurance, once a staple of financial planning for American households, is undergoing a quiet transformation, only half of US households have life insurance compared to three quarters 20 years ago. As life stages shift and household dynamics evolve, consumer sentiment towards life insurance has changed significantly since the start of the mil...
16 January 2025 /wealth /retail Banking
Janine Grainger CEO at Easy Crypto
Decrypt’s 2024 story of the year was ‘How crypto money changes American politics’ and it’s all about how crypto executives “revolutionised how corporations spend on elections”. Now, Ripple is gifting Donald Trump’s inaugural fund (which pays for his official swearing-in ceremony and lavish parties to follow) $5 million worth of XRP; while Coinba
15 January 2025 /inclusion /crypto
David Gallihawk Chief Product Officer of Business Information at Experian UK&I
In an ever-changing economy, the UK’s small business population has shown remarkable resilience. Inflation, energy prices and the overall costs of running businesses have all contributed to the challenges faced by those who run a small operation. It’s vital business owners – and those who are looking to start and establish a new operation - are equ...
15 January 2025
Adam Preis Global Strategist at Ping Identity
The evolving digital threat landscape has heightened the need for robust operational resilience in financial services. As the EU’s Digital Operational Resilience Act (DORA) takes effect on January 17, 2025, financial service providers must align their ICT systems with its stringent standards. This regulation is not just about compliance; it’s abou...
15 January 2025 /regulation /identity Digital Identity Management
John Pearce Chief Customer Officer at CloudPay
Failure to keep up to speed with the pace of the market can have drastic and profound effects. Kodak, once the behemoth of the photography world, for example, didn’t grasp the scale of the approaching digital era in the 1990s and ended up filing for bankruptcy in 2012. The early mobile phone pioneer Nokia also overestimated the strength of its bra...
15 January 2025 /payments
Dmytro Spilka Director and Founder at Solvid, Coinprompter
The world of online payments continues to adapt as technology advances, consumer expectations rise, and the need for security strengthens. Now that we have settled into 2025 and look to the future, there are expected to be some significant changes that transform digital payments as we know them. As providers look to tighten up identity verificatio...
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