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Expert opinions Last 7 days total 33

Jason Linus

Jason Linus Director Growth at Primesoft

Behavioral Finance Insights for the Next Generation of Investors: Mindful Money Management

Investing has evolved. The next generation of investors is more tech-savvy, empowered by digital tools and social media, and ready to make their mark on the financial world. But as they navigate the complexities of stocks, crypto, and other assets, there’s one crucial element they often overlook: the power of their own minds. Behavioral finance, a...

/wealth /inclusion

Katherine Chan

Katherine Chan CEO at Juice

Navigating Tariffs and Turbulence: A 2025 Guide for SME Founders

If you’re an SME founder trying to plan your next inventory order or marketing push, chances are you’ve felt the pressure of a shifting global trade landscape. The latest US tariff hikes, introduced in April 2025, are already sending ripple effects across supply chains — with up to 50% tariffs now applying to goods from over 60 countries. For foun...

/startups /inclusion Fintech innovation and startups

Barley Laing

Barley Laing UK Managing Director at Melissa

Spring clean customer databases to deliver growth in uncertain times

2025 is proving to be a challenging time for financial institutions looking to drive revenue. Organisations from the Bank of England to the IMF have been predicting a year of slow economic growth in the UK for the remainder of 2025, and now there’s uncertainty on tariffs which could have a significant negative impact on economies globally. In this...

/regulation /retail Data Management and Governance

Daniel Meyer

Daniel Meyer CTO at Camunda

AI agents are ready for financial services, but only if you orchestrate them

Across the financial services industry, institutions are under pressure to get more productive with fewer resources — while serving more customers better, meeting stricter compliance standards, and modernizing aging infrastructure. That pressure has only increased as emerging AI technologies offer tantalizing new possibilities. Among the most exc...

/ai /devops

Kent Henderson

Kent Henderson VP Product Management at Mangopay

The Rise of Programmable Wallets: A Game Changer in Digital Payments

As digital platforms grow, the ability to process payments at scale becomes a crucial competitive advantage. With transaction volumes increasing, managing the flow of money across a growing network of users, vendors, and service providers while ensuring a smooth customer experience puts increasing pressure on platforms to perform. At every stag...

/payments

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Atharva Varshney

Atharva Varshney Student at Warwick Business school

Joseph Solomon

Joseph Solomon Founder at WDIR

Ashley O'Reilly

Ashley O'Reilly Head of Account Management, EMEA at Corlytics

Jason Linus

Jason Linus Director Growth at Primesoft

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Research Total research pieces 280

Future of Report

The Future of US Digital Payments 2025: ACH & Beyond

A special edition for Nacha's Smarter Faster Payments 2025.    The US digital payments landscape stands at a transformative crossroads. With the launch of RTP in 2016 and FedNow in 2023, the foundational infrastructure for instant payments is finally in place - poised to revolutionise the speed, efficiency, and security of transactions across the economy.    Yet despite these advancements, the path to widespread adoption remains complex and cautious. Entrenched systems like ACH and Wire, with their deep integration and long-standing reliability, continue to dominate due to their established utility and the significant investment required to pivot toward newer rails.    It’s not just a question of technological readiness, but of mindset, cost, and strategy. The advantages of instant payments—real-time access to funds, reduced credit risk, and improved liquidity—are clear. However, to truly unlock these benefits, banks and institutions must overcome the inertia of legacy systems and embrace modernisation, often with the support of flexible, cloud-native solutions that can de-risk and streamline the transition.    This Finextra report, in association with Form 3, explores industry sentiment on the future of US digital payments and showcases the views of BNY, Citizens, Green Dot, J.P. Morgan, U.S. Bank, and the US Faster Payments Council. It explores:    Evolving ACH infrastructure;  Enhancing RPT and FedNow capabilities;  How new rails interact with existing rails;  Redefining transactional architecture through emerging technologies;  Recognising risk as a strategic advantage in fraud prevention;  Prioritising innovation and compliance at the same time. 

9 downloads

Event Report

ISO 20022 for CBPR+: Driving Efficiency and Innovation in Financial Messaging

How far is the industry along its ISO 20022 for CBPR+ journey? The financial industry is on the brink of a significant transformation with the implementation of ISO 20022 for cross-border payments and reporting (CBPR+). This new standard promises to revolutionise transaction handling by offering enhanced data quality, improved compliance, and greater operational efficiency. The shift from the current MT format, which is becoming insufficient in today’s data-driven and regulatory-focused environment, to ISO 20022 addresses these challenges with a more structured and comprehensive framework for financial messaging.   This transition is crucial for banks and non-bank financial institutions to understand and prepare for as it enables more effective communication across borders and systems. The reconciliation of payments, especially for corporate and SME sectors, demands accuracy in linking all related data. ISO 20022 significantly streamlines this process by enhancing data richness and interoperability across various payment systems.   This report highlights the key takeaways of a Finextra webinar, hosted in association with Finastra, by a panel of industry experts. Discover:   How far the industry has come in the transition,  the challenges organisations are facing, and  the strategic importance of ISO 20022 for CBPR+ adoption.   

41 downloads

Survey

US Regulation Survey 2025: Compliance at a Crossroads

Assessing financial industry preparedness in a shifting US regulatory landscape as organisations struggle with deadlines, cost, and technology. In an environment of rapidly evolving regulations, driven by legislative and policy shifts at the federal and state levels, the US regulatory landscape is marked by complexity and uncertainty. Understanding the level of preparedness across industries is crucial for ensuring compliance, mitigating risk, and enhancing operational efficiency. This survey was conducted at the beginning of 2025, gathering financial services industry sentiment as the Trump Administration took office and began pivoting on key regulatory elements. With the US financial regulation regime also somewhat in limbo, that uncertainty was – and is – increasingly impacting the views of the 200 organisations surveyed. Analysis of our survey responses provides a comprehensive overview of the state of regulation readiness in the US, differences in reporting obligations, the impacts of automation for compliance, the roles of technology and data, and industry plans for modernisation. We explore: Which regulations will have the biggest impact on US financial services in 2025; Regulatory effects on organisational frameworks, budgets and staffing; How organisations are leveraging technology and partnerships to streamline regulatory compliance.

225 downloads

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/security

Combating Cyber Threats: The role of AI, Partnerships and Education

Joining the FinextraTV studio, Michele Centemero, EVP, Regional Services Lead, Mastercard, outlined the stark position the world is in when it comes to the cybersecurity threat we face. As technology increases, it becomes both the problem and the solution, Centemero discusses what the landscape currently looks like and how education and partnership are key to heading in the right direction.

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Richard Robinson

Richard Robinson Chief Strategist, Open Data and Standards at Bloomberg LP

T+1 in practice: What the industry has learned

When the U.S. officially transitioned to T+1 settlement last May, the headlines painted it as a sweeping modernisation effort — faster, leaner, and more liquid markets. In many ways, that was accurate. Broker-to-broker transactions became more efficient, capital was freed up, and the theoretical reduction in settlement risk became a tangible o...

/markets

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Canada’s 2025 federal election and the fintech frontier: Risks and reforms

As Canada’s federal election approaches on 28 April 2025, the financial services sector could be standing at a pivotal juncture. The BBC reported a record-breaking early voter turnout with 7.3 million Canadians casting their ballots a week ahead of election day. Polling has suggested that Liberal former Bank of Canada and Bank of England governor M...

/markets

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What is the state of the global carbon market?

Last week, the UK Government published a report outlining a consultation titled Voluntary Carbon and Nature Markets: Raising Integrity, which outlined principles for carbon credit integrity. The move marks the UK’s broader ambition in becoming a climate finance hub, and raises questions around what is being done globally to address carbon credits ...

/sustainable

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