Latest long reads: Finextra Research

The top payments stories you missed in July 2025

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in July 2025

Catch up on Finextra’s most-read Payments stories from last month. Australian banks launch nationwide Confirmation of Payee scheme Confirmation of Payee (CoP) has officially arrived in Australia, with Australian banks having started the roll-out of the nationwide scheme early in July. Even though Australia is one of the only countries where scam lo...

21 hours /payments

How long before the GENIUS Act helps your business run faster and cheaper?

Scott Hamilton Contributing Editor at Finextra Research

How long before the GENIUS Act helps your business run faster and cheaper?

If you conduct business internationally to or from the US, you might be able to save a lot of money, especially on cross-border payments - and also get those payments done much more quickly - in the near future thanks to stablecoin adoption. Even better, with blockchain encryption and security in place for everyone, it could be safer and easier to...

23 hours /crypto

FedNow upgrade introduces more risk controls, but will financial institutions hit “send”?

David Payne SVP, Payments Risk & Compliance at Southern Financial Exchange

FedNow upgrade introduces more risk controls, but will financial institutions hit “send”?

The FedNow® Service recently celebrated its second anniversary with around 1,400 participating financial institutions (FIs) across all 50 states. To mark this milestone, the Fed announced the addition of a new account threshold feature that allows financial institutions to enhance risk mitigation by adjusting value and transaction levels based on ...

31 July 2025 /payments

World Day Against Trafficking in Persons: Can AI and quantum computing turn the tide?

Madhvi Sonia Head of Content at Finextra

World Day Against Trafficking in Persons: Can AI and quantum computing turn the tide?

Marked on 30 July, International Human Trafficking Day, otherwise known as World Day Against Trafficking in Persons, was established in response to a request for the UN’s Economic and Social Council (ECOSOC) to host a meeting to counter the buying and selling of fellow humans in 2006. Fast forward to 2015, the 2030 Sustainable Development Agenda...

30 July 2025 /crime

Hamish Monk Senior Reporter at Finextra

What is treasury technology?

According to PwC’s 2025 Global Treasury Survey, in today’s volatile “macroeconomic environment, a ‘cash-first’ operating model is no longer optional. Treasury must lead with forecasting accuracy, real-time visibility and centralised control.” The only effective means for organisations to achieve these goals – as well as weather the headwinds of st...

29 July 2025 /ai

The AI energy crisis: Why chatbots are using up our drinking water

Dominique Dierks Senior Content Manager at Finextra

The AI energy crisis: Why chatbots are using up our drinking water

Just this week, the Trump administration has introduced its new ‘AI Action Plan’ with the direct aim to speed up the adoption of AI and the build of more data centres, all the while cutting regulation to enable this. As the world continues its AI race, how much is too much? Concerns have long been raised about the amount of energy AI uses. The In...

25 July 2025 /ai

How AI is reshaping portfolio construction

Madhvi Sonia Head of Content at Finextra

How AI is reshaping portfolio construction

Portfolio construction has long been a careful balancing act between risk, return, and investor psychology. Traditionally, it has been siloed, relying on historical data, human judgment, and static models. Classic portfolio construction follows a linear path: where risk tolerance and investment goals are assessed first, assets across predefined ca...

24 July 2025 /wealth

11 ways fintech can help postpone Earth Overshoot Day

Madhvi Sonia Head of Content at Finextra

11 ways fintech can help postpone Earth Overshoot Day

In 2025, Earth Overshoot Day is yet again being marked too early on 24th July. According to the Global Footprint Network, this date is “when humanity’s demand on nature surpasses Earth’s capacity to replenish nature during the entire year.” In 2024, this day fell on 1st August, meaning that humanity is persistently overusing the planet’s resources...

24 July 2025 /sustainable

5 sustainable-focused fintechs you should know about

Sehrish Alikhan Reporter at Finextra

5 sustainable-focused fintechs you should know about

In a follow-up to my previous long read on sustainability-linked bank accounts available to users, now I am looking at sustainability and green-focused fintech platforms for the everyday consumer for those seeking a climate-conscious banking experience. Looking at the biggest banks in the world, the likes of HSBC, Barclays, and JPMorgan Chase have...

23 July 2025 /sustainable

Hamish Monk Senior Reporter at Finextra

What are embedded payments?

Embedded payments are a type of embedded finance, whereby financial services are extended within non-financial contexts. In such a scenario, the business-to-customer (B2C) firm stands as an intermediary between the customer and the financial institution (FI) – meaning the bank is (superficially) removed from the banking process. While this is not...

22 July 2025 /payments

From advisors to algorithms: The shift in wealth guidance

Madhvi Sonia Head of Content at Finextra

From advisors to algorithms: The shift in wealth guidance

For decades, wealth management was a relationship business. Clients used to meet their financial advisors in offices, discuss life goals, and trust human judgment to guide their financial futures. However, over the last decade, a quiet revolution has taken place: one that’s replacing handshakes with algorithms and intuition with machine learning. ...

21 July 2025 /wealth

UK’s Leeds Reforms set stage for global fintech leadership by 2035

Madhvi Sonia Head of Content at Finextra

UK’s Leeds Reforms set stage for global fintech leadership by 2035

Last week UK Chancellor Rachel Reeves unveiled the first-ever Financial Services Growth and Competitiveness sector plan and her aim to make the UK “the number one destination for financial services businesses by 2035, attracting inward investment and creating good skilled jobs across the UK.” Fueling fintech innovation, talent and scale-up support...

21 July 2025 /markets

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