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Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

When dubious reviews help fuel short seller attacks on a fintech, where to look for the truth?

Why would anyone really trust online ratings and reviews anymore? We’ve all learned that often anonymous blog, forum, and social media comments can be fraught with misinformation, or even outright lies, and in some cases have recently contributed to fraudulent or money losing relationships in the banking world. I’m going to leave that question op...

/payments

Tareq Muhmood

Tareq Muhmood SVP, Value Added Services at Visa

Elevating the payments game – how financial institutions can navigate innovation and security

Today’s payments landscape bears little resemblance to what we were doing only ten years ago. As an industry, we should be proud of the progress being made, such as contactless growth, tokens and the continued rise of ecommerce – however, there still is plenty of room to innovate. The demands of consumers continue to evolve, with many not willing ...

/payments

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Trump's Liberation Day and its impact on fintech

Stocks are now in major decline after US President Donald Trump announced tariffs on at least 10% across all countries. Those that have a high trade deficit with the US have been impacted the most; China, for instance, will face a 54% tariff and will prepare countermeasures. According to Trump, Liberation Day on 2 April 2025 was the day the US s...

/markets

Tulsi Narayan

Tulsi Narayan EVP – Commercial and New Payment Flows, Europe at Mastercard

Driving seamless and secure B2B payments in 2025

From contactless to e-commerce, consumers are leveraging digital tools more than ever to simplify and enhance their daily lives. But for large companies and their B2B payment processes, which are by their very nature more complex, they are only just beginning to experience the similar benefits that we’ve come to expect as consumers; seamless, smar...

/payments

Andrew Ellis

Andrew Ellis CEO at NatWest Boxed

Will 2025 be the year of embedded finance at scale?

Embedded finance, despite early promises, has not been adopted at quite the scale expected of a growing multi-billion market. The shift from early fintech-to-fintech implementations to consumer-facing products opened up a huge market, yet implementations are not as prevalent as they could be and most deployments have been relatively small in scale...

/payments

Renate Prinz

Renate Prinz Partner at McDermott Will & Emery LLP

Outlook on financial regulations and supervisory practice in Germany and the EU

The first quarter of the new year is over, and many new regulations have come into force and already been widely discussed. DORA, MiCA, CRR III, AMLD – the list of exciting abbreviations in financial market supervision is getting longer every year, and new regulations are increasingly affecting more than just financial service providers and other ...

/regulation

Hamish Monk

Hamish Monk Senior Reporter at Finextra

Understanding the ISO 20022 deadline

The deadline for ISO 20022 – the new standard for electronic data interchange between financial institutions – has been notoriously changeable. Back in March 2020, Swift delayed the original migration date for cross-border payments by 12 months (from November 2021 to the end of 2022) as banks struggled with decommissioning and preparing existing ...

/payments

Gareth Walton

Gareth Walton Head of EMEA Sales at Nextdoor

The power of social media in taking financial health messages to neighbourhoods

High street banks have spent decades building up customer trust and loyalty. Their branches, a familiar sight across most UK towns and cities, provide a space where customers can seek advice and assurance around their personal finances. As such, banks’ physical buildings have come to symbolise their overall reliability and stability, underlined by...

/retail

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Is the PS21/3 operational resilience transition period end a turning point?

The transition period for the UK regulator FCA’s PS21/3 guidance for Financial Market Infrastructures (FMIs) to build their operational resilience officially ends on 31 March 2025. For many organisations in the financial services and fintech industries, the conclusion of this transition period marks a critical milestone in regulatory compliance an...

/regulation

Tom Hay

Tom Hay Principal Consultant at Payment Systems Europe

Can open banking stand alone as the UK’s payment infrastructure?

The weaponisation of payment infrastructure by governments is not a theoretical risk; it’s a reality. In 2023, the US imposed sanctions on Russia’s Unistream Bank, leading to the suspension of cross-border payment services by banks in countries like Armenia, Georgia, and Kazakhstan due to fears of secondary sanctions. This disruption affected remi...

/payments

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in March 2025

March has been a busy month in the world of payments. From regulatory upheaval to rising fraud numbers, here is an overview of our most viewed Payments stories from this month. UK Government confirms plans to scrap Payment Systems Regulator You probably did not miss this story. In March, the UK Government has officially confirmed its plans to aboli...

/payments

Brice Van De Walle

Brice Van De Walle EVP at Mastercard

Empowering European consumers: The future of personalised payments

The European payments landscape is evolving rapidly. Technological advancements, shifting consumer behaviors, and regulatory changes are driving a move toward more flexible and personalised payment experiences. Mastercard’s research conducted last year, reveals that two-thirds of European consumers prefer to consistently use the same payment method...

/payments