Latest long reads: Finextra Research

Hamish Monk Senior Reporter at Finextra

How to comply with PSD3

In June 2023, the European Commission (EC) announced plans to update its Payment Services Directive, which was originally designed to drive integration across the payments market, level the playing field for payment service providers (PSPs) and enhance security across the value chain. The latest proposed changes will swap the existing second Paym...

14 January 2025 /regulation

Modern customers, modern payments: Addressing a changing e-commerce landscape

Dominique Dierks Senior Content Manager at Finextra

Modern customers, modern payments: Addressing a changing e-commerce landscape

In 2025, retail e-commerce revenue is expected to exceed $4.8 billion worldwide. Over the last five years, the world has shifted to digital: online shopping from retailers across borders is overtaking high-street shopping, and in the world of payments, contactless and BNPL (buy now, pay later) are increasingly catching up to traditional card or ca...

14 January 2025 /payments

5 fintech predictions for 2025: Let the good times roll

Arvin Abraham Partner at Goodwin Procter

5 fintech predictions for 2025: Let the good times roll

After a few choppy years, 2025 has the makings of a year of progress, bringing with it increased deal activity, regulatory clarity and technological innovation. Having survived the pandemic and interest rate shocks many investors who had been sitting on the sidelines are chomping at the bit to get back in action. Crypto is back in another bull mark...

13 January 2025 /predictions

Open banking year seven: Beyond the Data (Use and Access) Bill and National Payment Vision

Madhvi Sonia Head of Content at Finextra

Open banking year seven: Beyond the Data (Use and Access) Bill and National Payment Vision

13 January marks the seventh anniversary of PSD2 and the creation of open banking in the UK in conjunction with an order implemented by the Competition and Markets Authority (CMA) in 2018. According to Open Banking Limited (OBL), there are now over: 11.7 million active users of open banking-enabled products in the UK, 1.7 billion API calls made p...

13 January 2025 /payments

Cybersecurity in 2025: Financial services and insurance at the centre

Retired Member

Cybersecurity in 2025: Financial services and insurance at the centre

Cybersecurity has continued to be one of the most prominent challenges companies are facing, especially in financial services and insurance, often the most targeted industries. As we look ahead to the new year, the cybersecurity challenge shows no signs of easing as threats become more sophisticated by the day. That said, 2025 will mark an importa...

10 January 2025 /regulation

Instant Payments Regulation: What the 9 January 2025 IPR deadline means

Madhvi Sonia Head of Content at Finextra

Instant Payments Regulation: What the 9 January 2025 IPR deadline means

Acronyms galore: those in the financial services industry must fully understand the ins and outs of the European Union’s (EU) Instant Payments Regulation (IPR) – that intends to ensure real-time payments are standardised in the Single European Payments Area (SEPA) – to bolster the digital economy and serve the evolving needs of consumers and busin...

09 January 2025 /payments

The digital cash gap: Why remote payments are make or break for global expansion

Amit Levi SVP Product Management at Papaya Global

The digital cash gap: Why remote payments are make or break for global expansion

The next wave of market expansion won't be limited by geography – it'll be defined by payment agility. As enterprises race to capture opportunities in emerging markets and build truly global workforces, they're confronting a strategic challenge that cuts to the core of modern business operations. While we can connect teams across continents in sec...

08 January 2025 /payments

Click to Pay: How SaaS platforms ease card issuer implementation

Níamh Curran

Click to Pay: How SaaS platforms ease card issuer implementation

The European payments landscape is evolving rapidly. Visa and Mastercard have launched their Click to Pay mandates, meaning it will be compulsory to integrate this technology for issuers. This will change depending on the country, but in 2025, Mastercard have a deadline of 24 January and Visa, 18 April. With these upcoming deadlines, and some alre...

07 January 2025 /payments

Consumer Duty: How to go beyond compliance

Hamish Monk Senior Reporter at Finextra

Consumer Duty: How to go beyond compliance

In force since 31 July 2023, the Financial Conduct Authority (FCA)’s Consumer Duty regulation was designed to improve financial services protections for consumers. Since the go-live date, firms have made numerous improvements, and better, fairer outcomes are being delivered to customers. Yet, there remains room for firms to improve, and to build...

06 January 2025 /Sibos

Mind the fintech gap: Regulatory deadlines in 2025

Dominique Dierks Senior Content Manager at Finextra

Mind the fintech gap: Regulatory deadlines in 2025

What regulatory deadlines are coming up in 2025? The financial services sector is facing a significant number of regulatory and standard updates, so Finextra has collated an overview of significant deadlines that are coming up this year. January EU – DORA will apply from 17 January The EU’s highly anticipated Digital Operational Resilience Act (DOR...

03 January 2025 /regulation

10 B Corp-certified financial institutions

Sehrish Alikhan Reporter at Finextra

10 B Corp-certified financial institutions

US-based organisation, B Labs is rapidly becoming a globally-recognised symbol of ethical business, with more and more businesses undergoing the vigorous process to become B Corp-certified. B Labs is working to expand its guidelines to include all types of businesses, and will likely to continue to develop and improve on requirements as the global...

02 January 2025 /sustainable

Fraud, Financial Crime and Forecasts: Finextra’s Top TV Videos of 2024

Liam Xavier Media Producer & Video Reporter at Finextra

Fraud, Financial Crime and Forecasts: Finextra’s Top TV Videos of 2024

In a year marked by political volatility, continual regulatory pressures and an overwhelming conversation around instant payments and fraud, 2024 proved to be a year of as much financial obstacle as financial innovation. All, it must be said, for the positive progression of the industry. Of course, when years like this occur, it paves the way for ...

02 January 2025 /payments

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