Paige McNamee - Community Author: Finextra Research

The crucial role of seamless bills and payments processes to organisational success

While the benefits of fast payment processing for merchants and e-billers are well understood – the pressures of today’s payment landscape mean that the need for seamless billing and payment has never been more pronounced, regardless of whether payments are digital or paper-based. Firms are juggling the pressures to remain compliant with new regul...

29 April 2024 /payments

Understanding the UK High Court’s AI patentability ‘Holy Grail’ ruling

Paige McNamee

Understanding the UK High Court’s AI patentability ‘Holy Grail’ ruling

The English High Court today handed down a decision which promises to shape the patentability of key aspects of AI technology. Overruling an earlier decision of the UK Patent Office (UKIPO), the High Court ruled that Emotional Perception AI Limited (EPAI), a subsidiary of AI Venture Studio Time Machine Capital Squared (TMC2), could patent a novel t...

23 November 2023 /regulation /ai

Paige McNamee

Understanding the EU’s DORA framework

The Digital Operational Resilience Act (DORA) was designed to address the potential systemic and concentration risks faced by the financial services sector, due largely to its close reliance on third party providers (TPPs). DORA requires entities to follow and implement protection, detection, containment, recovery, and repair focused rules to prev...

14 November 2023 /regulation

Paige McNamee

What is tokenised gold?

Despite the crypto winter and general uncertainty around digital assets, we’re continuing to see the emergence of real-world asset tokenisation as defi continues its creep into financial services. Artwork, intellectual property, real estate, corporate securities, luxury cars, commodities, and gold, are some examples of this tokenisation. Last week...

07 November 2023 /crypto

How many times has the ISO 20022 deadline been changed or delayed?

Paige McNamee

How many times has the ISO 20022 deadline been changed or delayed?

Following recent news that the European Payments Council (EPC) postponed the SEPA payment scheme's ISO 20022 migration by four months, it began to feel a little like groundhog day in the Finextra offices. In response, we decided to pull together all of the times since 2020 that we’ve seen delays to ISO 20022 migrations for payment schemes across t...

26 October 2023 /payments

SEPA Request to Pay has just 3 registered adherents, the EPC isn’t worried

Paige McNamee

SEPA Request to Pay has just 3 registered adherents, the EPC isn’t worried

Despite listing just 3 adherents as having registered as SEPA Request to Pay (SRTP) adherents (as of the 13th of October 2023), the European Payments Council (EPC) is unconcerned about the pace of uptake. To better understand the registration process and rate of registration, Finextra sat down with director general of the EPC, Giorgio Andreoli. Req...

25 October 2023 /payments

Environmental frameworks shaping a decade of change for sustainable finance

Paige McNamee

Environmental frameworks shaping a decade of change for sustainable finance

This is an excerpt from 'The Future of ESGTech 2024' report. Over the last decade, there has been a growing awareness of the financial risks posed by environmental factors. This led to the creation of the Task Force on Climate-related Financial Disclosures (TCFD) in 2015 and the Task Force on Nature-related Financial Disclosures (TNFD) in 2021. T...

10 October 2023 /sustainable

Why cash management dominates Capgemini’s World Payments Report

Paige McNamee

Why cash management dominates Capgemini’s World Payments Report

Capgemini has today released its highly anticipated World Payments Report 2023, just in time for Sibos. This year, the report has taken a slightly different tack, shifting from its historical focus purely on retail payments, to explore the significant opportunities for banks and payment service providers (PSPs) to support corporate treasuries and ...

14 September 2023 /Sibos

How CBDC, cryptocurrency and tokenisation could impact the ecosystem

Paige McNamee

How CBDC, cryptocurrency and tokenisation could impact the ecosystem

Digital assets are now a daily reality of our global financial ecosystem. According to Atlantic Council, currently 130 countries have investigated CBDCs. This is up from just 35 in May 2020. The global crypto wallet market is also expected to grow at a compound annual growth rate of 24.8% from 2023 to 2030 to reach USD 48.27 billion by 2030, accor...

11 September 2023 /Sibos

Future of Fintech in Latin America 2023: Seizing blockchain opportunity by riding the crypto wave

Paige McNamee

Future of Fintech in Latin America 2023: Seizing blockchain opportunity by riding the crypto wave

This is an excerpt from The Future of Fintech in Latin America 2023 report. Adoption of blockchain use cases are growing fast across Latin America. A breadth of use cases including bitcoin, stablecoins and other cryptocurrencies (as stores of value against inflation, banking the unbanked, low-fee remittances, DeFi applications, play-2-earn games, ...

08 September 2023 /crypto

Why compliance is a competitive differentiator when combined with a quantum focus

Paige McNamee

Why compliance is a competitive differentiator when combined with a quantum focus

Phillip Doyle's professional journey reads like a fintech hall of fame. Having held pivotal roles at Revolut, ClearBank, Tandem Bank, FICO, and Visa among others, he's not just a veteran in the world of financial technology; he's a become a connoisseur of financial crime prevention. As the chief risk and compliance officer at Zepz, Doyle faces an ...

07 September 2023 /crime

What does the Digital Securities Sandbox mean for UK capital markets?

Paige McNamee

What does the Digital Securities Sandbox mean for UK capital markets?

Last month, the UK Government opened consultations into the introduction of a Digital Securities Sandbox (DSS), a means to test and explore the potential offered by digital securities in financial markets. The DSS will encourage industry players to test financial market infrastructures (FMIs) that leverage digital asset technology, by enabling fir...

23 August 2023 /markets

Long reads