clear
clear
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How FIs and fintechs will use AI, fresh funding, and partnerships to grow in 2025

Finextra reviewed recent financial institution surveys and expert industry commentaries to zero in on the current and near-future realities of AI in banking and fintech circles. Is generative AI technology proving its promoters’ promises or fulfilling its heavily hyped potential in the financial services world? We also wanted to explore experts’ a...

/ai

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

Fintech sentiment: What the PSR abolishment means for the UK

This week, the UK Government has confirmed its plans to scrap the Payment Systems Regulator (PSR) in a bid to slash red tape and boost economic growth. The PSR’s operations will be merged with the Financial Conduct Authority (FCA) once the government has passed primary legislation to enact the change. Opinions on the axing of the PSR are divided....

/regulation

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Where do experts agree in key fintech and banking predictions for 2025?

Lots of industry surveys and well-informed speculation are popping up across the financial services world these days. We’ve provided some of our own expert insights into banking and fintech trends in recent Finextra Predict 2025 articles, impact studies, and webinars. Given the general uncertainty surrounding numerous areas of the US and global ...

/predictions

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Quantum computing will reach its inflection point in 2029: How investors should prepare

In a recent discussion with Finextra, Anders Indset, a business author and investor based in Frankfurt, Germany, shares his insights on the future of quantum computing and its potential to revolutionise industries. He discusses the evolution of the quantum economy, highlighted the rapid advancements in quantum technology, and shares his thoughts o...

/devops

Dominic Lowres

Dominic Lowres Head Electronic Trading at Investec

Low-touch trading: Why personal service still matters

The past decade has seen a steady shift towards automated trading, propelled by ongoing technological innovations and relentless cost pressures. While this trend will undoubtedly continue, an overly narrow focus on costs risks diverting attention from the real needs of clients. The winners in the future of trading technology will be those who succ...

/wealth

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is APP reimbursement?

In October 2024, the Authorised Push Payment (APP) victim reimbursement scheme came into effect, under rules from the Payment Systems Regulator (PSR). The scheme means that Payment service providers (PSPs) are obliged to reimburse victims of APP fraud, up to £85,000 – and PSR asks that the value of reimbursement be split 50/50 between the sending...

/crime

Dimitrios Salampasis

Dimitrios Salampasis Assoc. Professor, Emerging Technologies & FinTech at Swinburne University of Technology

Cash accessibility in the digital age: A human right or a dying relic?

From paper to pixels: How cash went from king to question mark Technological breakthroughs and advancements across the spectrum of the digital economy have been challenging the inherent nature and core purpose of money, putting pressure towards reconsidering the issuance of physical money, the impetus of financial transactions and the role of phys...

/inclusion

Olivia Murphy

Olivia Murphy Managing Associate at Linklaters

How partnerships are transforming payments and fintech

Strategic partnerships are on the rise in the payments and fintech space. In recent weeks we have seen traditional banks team up with technology and fintech companies to bring buy now pay later (BNPL) offerings to the market. Partnerships themselves are not a new phenomenon in the payments sphere. For years banks providing merchant services have te...

/regulation

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What’s up with all the payments outages?

The beauty of online banking is that it’s – for the most part – instant. If your friend owes you money, they can transfer it to your account immediately. If you forgot to pay your bills, log online and you can pay them right then and there. Even on payday, the money should go directly to your account. However, payments outages have become more and...

/payments

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

What’s happening at the SEC? Examining signs of Trump’s regulatory roll-back for crypto

Over the last weeks, a series of events and announcements have shaken up the crypto market in the US. From SEC (US Securities and Exchange Commission) case dismissals to the creation of a US Crypto Reserve, the Trump administration has quickly signalled a 180 turn on the handling of cryptocurrencies. Even before his inauguration, President Trump w...

/regulation

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How much is too much – or too little - regulation? Banks and their depositors may soon find out

In a new report published on 27 February, NPR shared a warning that the US Federal Deposit Insurance Corporation (FDIC)’s proposed dismantling at the behest of the Trump administration could be particularly perilous for the US banking system and its customers. NPR noted the rapid job-cutting actions and attacks from the White House and its allies ...

/regulation

Chris Holmes

Chris Holmes Peer at House of Lords

UK government delays AI Bill, but now is the time to regulate unchecked AI

Despite the welcome publication of the Government’s AI Opportunities Action Plan last month, the latest rumours around Westminster are that Ministers have delayed plans for an AI Bill as the UK government seeks to align itself with the U.S. administration on the technology. There is, self-evidently, a more than pressing need for cross-sector, AI-s...

/ai