Níamh Curran - Community Author: Finextra Research

The Future of Digital Banking in North America: How vulnerability will lead to better protection

This is an excerpt from Finextra’s report, 'The Future of Digital Banking North America 2023'. Digital banking is now very much in the mainstream, with the World Bank reporting that two-thirds of adults globally make or receive digital payments. However, with the successful rise of digital banking in North America, vulnerability has become a commo...

24 October 2022 /retail

The Future of ESGTech: Driving sustainability and ethics

Níamh Curran

The Future of ESGTech: Driving sustainability and ethics

This is an excerpt from Finextra’s report, 'The Future of ESGTech 2023'. Although regulatory and governmental action towards sustainability has been taken with examples such as the EU taxonomy for sustainable activities and numerous net-zero pledges made in recent years, “differences in the concept of materiality and the classification of sustaina...

11 October 2022 /Sibos

Rebundling: What do fintechs really think?

Níamh Curran

Rebundling: What do fintechs really think?

Client-stickiness is something all fintech firms strive for. A recent trend has emerged in which fintech firms are becoming a ‘one-stop-shop’ for the full financial lifecycle, aiming to achieve customer loyalty by offering a full range of products and services. These players are taking previously unbundled services, and rebundling these offerings ...

07 September 2022 /payments

The Future of Digital Banking in the UK: Retaining top digital talent

Níamh Curran

The Future of Digital Banking in the UK: Retaining top digital talent

This is an excerpt from Finextra’s report, 'The Future of Digital Banking in the UK 2022'. The “talent drought” has been a key topic of discussion from fintechs and banks alike. As companies become more in need of talent, especially those providing the building blocks for an increasingly digital banking world, it is the problem of these instituti...

22 August 2022 /Sibos

Banks and fintech firms: The symbiotic relationship

Níamh Curran

Banks and fintech firms: The symbiotic relationship

Customers expect a lot more from their banks today. They anticipate a full digital experience that engages with them on an individual, personalised basis. Fintech firms have excelled in customer experience and are far better at providing tailored products and services than the banks, despite the latter’s advantages in infrastructure and inherited ...

11 August 2022 /retail

The Future of Digital Identity: Separating the digital from the individual

Níamh Curran

The Future of Digital Identity: Separating the digital from the individual

This is an excerpt from Finextra’s report, ‘The Future of Digital Identity 2022: Inclusive, secure, fit for purpose.’ The majority of the world's population now has some form of digital identity. These can come from our own social media presence, but also our banks and the companies we use. “We are not in control of the number of identities we have...

27 May 2022 /identity

How banks can inspire consumers to make sustainable decisions

Níamh Curran

How banks can inspire consumers to make sustainable decisions

Banks have a crucial role to play in promoting sustainable lifestyles among their customers. Information such as transactional data can now be leveraged to distribute sustainability advice and product recommendations to end-users. This approach doesn’t just make sense for the planet and institutions’ net zero journeys – it will prove beneficial fr...

29 March 2022 /sustainable

Is ‘big cloud’ too big to fail? What cloud concentration risk means for the future of banking

Níamh Curran

Is ‘big cloud’ too big to fail? What cloud concentration risk means for the future of banking

In the financial services industry, banks can no longer operate in the digital world without cloud technology. Adoption of the cloud has many organisations shifting focus from on-premise solutions to cloud models due to its flexibility, reliability and security. The cloud also removes the burden of maintaining and updating systems, allowing banks ...

04 February 2022 /cloud

The Future of ESGTech: Goal 12 - Responsible consumption and production

Níamh Curran

The Future of ESGTech: Goal 12 - Responsible consumption and production

Ensure sustainable consumption and production patterns. This is an extract from Finextra's The Future of ESGTech 2022 report. Focus target 12.6: Encourage companies, especially large and transnational companies, to adopt sustainable practices and to integrate sustainability information into their reporting cycle. The focus of this Goal is the “mat...

31 January 2022 /sustainable

The Future of ESGTech: Goal 11 - Sustainable cities and communities

Níamh Curran

The Future of ESGTech: Goal 11 - Sustainable cities and communities

Make cities and human settlements inclusive, safe, resilient and sustainable. This is an extract from Finextra's The Future of ESGTech 2022 report. Focus target 11.5: By 2030, significantly reduce the number of deaths and the number of people affected and substantially decrease the direct economic losses relative to global gross domestic product c...

28 January 2022 /sustainable

Should we stop trying to make Open Banking happen when it’s not going to happen?

Níamh Curran

Should we stop trying to make Open Banking happen when it’s not going to happen?

Comments from Starling Bank’s Anne Boden at a House of Commons Treasury Select Committee at the end of 2021 struck a painful chord with several fintech founders. During an oral evidence session for the Future of Financial Services inquiry, Boden expressed her opinion that “Open Banking has not been successful.” This pronouncement of the failure of...

21 January 2022 /devops

The future of ESGtech: Goal 7 - Affordable and clean energy

Níamh Curran

The future of ESGtech: Goal 7 - Affordable and clean energy

Ensure access to affordable, reliable, sustainable and modern energy for all. This is an extract from Finextra's The Future of ESGTech 2022 report. Focus target 7.a: By 2030, enhance international cooperation to facilitate access to clean energy research and technology, including renewable energy, energy efficiency and advanced and cleaner fossil-...

23 December 2021 /sustainable

Long reads