Latest long reads: Finextra Research

Hamish Monk Senior Reporter at Finextra

How to implement Open Banking

Launched in the United Kingdom in January 2018 with the European Commission (EC)’s second Payments Services Directive (PSD2), open banking gives third-party financial service providers access to consumer banking, transaction, and other financial data, from banks. In a practical sense, open banking was a major milestone in the journey toward sharing...

18 February 2025 /payments

Flexible and efficient SME lending as a growth enabler in 2025

Emma Lovell Chief Executive at LSB

Flexible and efficient SME lending as a growth enabler in 2025

Emma Lovell, chief executive of the LSB (Lending Standards Board), explains why with the £25 billion raise in employers’ National Insurance contributions looming – coupled with a tough economic environment – business owners’ wants and needs for SME lending are changing. What trends are reshaping this landscape in 2025, and how can banks and lender...

18 February 2025 /markets

Scott Hamilton Contributing Editor at Finextra Research

What’s happening to the US CFPB?

What’s in store for America’s consumer financial services watchdog agency – the Consumer Financial Protection Bureau (CFPB)? Nobody really knows. But many open banking and data protection and control advocates are saying: “please don’t lose sight of the benefits of personal financial data rights,” amid the heated debate over its sponsoring agency’...

17 February 2025 /regulation

Cybercrime landscape in 2025: Building a secure digital future

Michele Centemero EVP Services Europe at Mastercard

Cybercrime landscape in 2025: Building a secure digital future

As we step into 2025, the digital landscape continues to evolve at an unprecedented pace, unlocking opportunities for innovation, connection, and growth. Yet, alongside these advancements, the need for robust cybersecurity has become more critical than ever. Cybercriminals are adapting quickly, using emerging technologies like artificial intellige...

17 February 2025 /crime

Don’t be duped by AI cupid: Stay alert for romance scams this Valentine’s

Sehrish Alikhan Reporter at Finextra

Don’t be duped by AI cupid: Stay alert for romance scams this Valentine’s

While Valentine’s Day is a happy holiday for many, it also marks the day when the lonely are at their lowest. Just as it is destined to be full of red roses, heart-shaped candy, and cheesy greeting cards, Valentine’s Day is fated to bring down the isolated and prey on the vulnerable. Which makes it a prime time to bring awareness to the flurry of ...

14 February 2025 /crime

What does the rise of AI agents mean for you at work?

Amanda Kavanagh Contributor at Jobbio

What does the rise of AI agents mean for you at work?

Fintech has emerged as a leading sector at the forefront of AI adoption and automation. But recently, there has been some confusion about what agentic AI is, and how AI agents can be effectively put to use on both routine and complex tasks. Last month, we looked at how Citi GPS is using cutting-edge agentic AI, which it has dubbed the ‘do it for m...

14 February 2025 /ai

Liam Xavier Media Producer at Finextra

How will tariffs affect fintech growth?

For a number of years now, we have been weathered by a series of destabilising events: Brexit, trade wars, cybersecurity breaches and global military conflicts. It’s an unsettling mix and the financial markets have needed to be permanently alert. This continues to be the case with the announcement that the new US President Donald Trump is ramping ...

13 February 2025 /markets

Staying ahead of cybercrime: The importance of AI-based fraud prevention

David Capezza Vice President, Europe Risk Advisory at Visa Inc.

Staying ahead of cybercrime: The importance of AI-based fraud prevention

Since the emergence of ChatGPT in November 2022, we have seen the increased integration of artificial intelligence (AI) across our personal and professional lives. From deepfakes to biometric bypasses, the ways fraudsters are leveraging AI-powered technology are evolving rapidly. This article explores how cybercrime is increasingly leaning on cutt...

13 February 2025 /crime

Sehrish Alikhan Reporter at Finextra

What are money mules?

There is a plethora of scams afoot in the current fraud landscape, each more disturbing and invasive than the last. Looking at financial crime trends emerging this year, money mules have become somewhat of a buzzword, so this article serves as an overview of money mules. Money mules are criminals who transfer stolen funds on behalf of other peop...

12 February 2025 /crime

How did committing online fraud, then bragging about it, become okay?

Scott Hamilton Contributing Editor at Finextra Research

How did committing online fraud, then bragging about it, become okay?

There are many that would welcome the opportunity to weigh in on one particularly ‘trending’ question getting lots of attention right now: Why did it become appropriate to steal and brag about it? Gen Z, those born between 1997 and 2012, have expressed more willingness than any other generation to commit online fraud. Opinions among those studying...

12 February 2025 /crime

Hamish Monk Senior Reporter at Finextra

Generative AI: A new age of banking

Artificial intelligence (AI) is no longer just a buzzword – it is essential to financial services’ development. The keys to unlocking this nascent technology’s full potential are relevant applications and concrete use cases. To identify what these use cases are, we must look beyond the hype. To find out more, Finextra spoke with Temenos’ chief pro...

11 February 2025 /ai

How to establish a hybrid cloud strategy

Hamish Monk Senior Reporter at Finextra

How to establish a hybrid cloud strategy

Hybrid cloud is a computer programming architecture used by IT teams to reap the benefits of both the private and public hosting environments. These work in tandem to run an organisation’s workload. The benefits of such a strategy are well-established. Dual architecture allows both sensitive data and customer activity to remain on premise (in the ...

11 February 2025 /cloud

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