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Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

‘Tis the season for holiday scams: How to stay safe and shop smart

The holiday season brings joy, celebration and a surge in online shopping. But as consumers hunt for thoughtful gifts, the latest tech, and the best deals, scammers are also busy — making Black Friday and Christmas one of the riskiest times for fraud. And with digital commerce booming, the threat landscape is evolving faster than ever before. To u...

/payments

Chris Holmes

Chris Holmes Peer at House of Lords

The UK Government’s financial inclusion strategy is light on fintech

Last Wednesday, the Government launched its long awaited financial inclusion strategy. I welcome its publication and there is much to be positive about. Financial inclusion has been a key policy area for me since I entered the House of Lords, not least as part of a special Select Committee considering financial exclusion which I was privileged to...

/inclusion

Hamish Monk

Hamish Monk Senior Reporter at Finextra

The AI bubble: Is Nvidia artificially engineering chip demand?

Some of the UK’s biggest financial institutions (FIs) are investing in artificial intelligence (AI). In November this year, Lloyds unveiled the UK’s first multi-feature AI-powered financial assistant; in September, HSBC launched its generative AI-powered platform; and in March, NatWest became the first UK bank to partner with OpenAI. Appetite am...

/ai

Bazil Sansom

Bazil Sansom Research Fellow at Warwick Business School

Why liquidity, not just solvency, is the UK's real stablecoin challenge

Over recent weeks, the Bank of England’s leadership has outlined its most detailed vision yet for how innovation in money will be governed in the UK. In a 3 September speech at the WBS Gillmore Centre, Deputy Governor Sarah Breeden described a future in which central bank money, traditional and tokenised deposits, and stablecoins can coexist—bound...

/crypto

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Stablecoins starting to lower costs, speed transactions, and raise bank pricing concerns

Stablecoins are already lowering costs, raising transaction speeds, and extending available windows to complete payment transactions to 24/7. They’re doing this for larger retail banking and corporate financial institution customers, and it’s likely that banks will be offering stablecoin payment and receivables options to more clients in the comin...

/crypto

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Are AI agents tailored to financial services ready for prime time?

Separating hype from reality is more important than ever in today’s banking world. Everyone wants to know how – and how soon - new artificial intelligence technology and innovative practises will impact the industry and its customers. That’s why I’m sharing what I learned from two distinct forums examining the current state of financial services A...

/ai

Tom Hay

Tom Hay Principal Consultant at Payment Systems Europe

From wallets to agents: The next great shift in payments infrastructure

There is a house in Istanbul famous for being built on the foundations of homes built as far back as the Roman Empire. For two thousand years, the Byzantine Empire, Ottoman Empire, and modern Turkish Republic decided that it was easier to build atop what had come before rather than tear everything down and start from scratch. The payments industr...

/ai

Hajar Elhaddaoui

Hajar Elhaddaoui Director General at Digital Cooperation Organization

Transforming fintech in the age of AI: Opportunities and challenges for the digital economy

Imagine an AI system detecting fraud in seconds, approving a microloan for a shopkeeper who has never qualified for credit, and guiding a customer through a conversation that feels almost human. This is not science fiction; it is fintech today. Generative AI is redesigning products once reserved for the few and transforming the very foundations of...

/inclusion

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What are Faster Payments?

The UK’s Faster Payments service is back under the spotlight, with the Bank of England (BoE) recently being handed the reins of a long-overdue reform of the UK’s retail payments infrastructure – following years of faltering progress under Pay UK. The move came after Governor Andrew Bailey issued a call for urgent infrastructural modernisation in hi...

/payments

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Can European banks compete for US businesses in the current global corporate banking landscape?

Which banks will lead the way in an AI-enabled, trade-war-torn global corporate marketplace? What characteristics will they have, and how will they play them to their advantage on the field of international business? ING presents an interesting case for knowing your strengths and customer base, while remaining flexible to adapt to the changing wind...

/markets

Parina Parikh

Parina Parikh Senior Sustainability Assessor at DNV

Orange bonds: Will orange be the new green?

Sustainable finance has a visibility problem: the ‘E’ in ESG dominates, while the ‘S’ remains sidelined. But inequality, exclusion and social fragility are just as capable of undermining long-term value as carbon emissions. It’s time for finance to see orange. For over a decade, environmental metrics such as net zero targets, carbon disclosure

/inclusion

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in October 2025

Catch up on Finextra’s most-read payments stories from last month. G20's cross-border payments plan to miss 2027 deadline The G20's roadmap to improving cross-border payments was officially introduced in 2021. The G20’s Financial Stability Board (FSB) now reports that global financial institutions are set to miss the first deadline of 2027. "I...

/payments