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Andrew Bonsall

Andrew Bonsall COO at AperiData

Beyond lending: Open Banking lessons from the Public Sector

Assessing vulnerability is one of the most pressing challenges facing local authorities today. Yet, many still rely on static indicators, such as postcode, benefit status, or historic income, that only paint part of the picture. These data points often miss the subtle, daily indicators of financial pressure. What’s often missing is a live view of...

Open Banking

Gurprit Singh Gujral

Gurprit Singh Gujral Founder and CEO at LoanTube

Why It’s Time to Rethink Personal Guarantees in SME Lending

Personal guarantees have long been a fixture in SME lending, providing lenders with an added layer of security to offset the inherent risks of financing small and growing businesses. For many first-time founders, the very notion of a personal guarantee can seem absurd. After all, aren’t limited companies meant to offer limited liability? In theo...

/regulation /inclusion Small Business Lending Innovation

Erica Andersen

Erica Andersen Marketing at smartR AI

The Walls Within: Why Organizations Cling to Data Silos in the Age of AI

The promise of Artificial Intelligence (AI) is tantalizing: smarter decisions, streamlined processes, and unprecedented insights. The promise is transformative. From predicting consumer behavior to automating complex tasks, AI offers a tantalizing glimpse into a future of unprecedented efficiency and innovation. Yet, despite this allure, organiza

/ai /security Data Management and Governance

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

AI Becomes the Banker: 21 Case Studies Transforming Digital Banking CX

In banking, AI is no longer experimental—it became a cornerstone of strategy for improving how customers engage with their banks online and via mobile. Within this article, we analyze how AI’s adoption in 2024 impacted key areas of digital CX, highlighting global trends as well as specific insights from major markets like the US and UK. We examine...

/ai /retail Innovation in Financial Services

Anjna McGettrick

Anjna McGettrick Global Head of Strategy Implementations at Onnec

Building the Backbone: Future-Proofing Fintech Infrastructure for the Next Decade

The UK fintech sector is experiencing a remarkable surge, with investment nearly tripling to $7.3 billion in the first half of 2024, defying a global downturn. However, rapid growth brings challenges including scaling operations, ensuring regulatory compliance and maintaining robust IT infrastructure. For fintech startups, navigating these complex...

Nkahiseng Ralepeli

Nkahiseng Ralepeli VP of Product: Digital Assets at Absa Bank, CIB.

Tokenised Stocks: What They Are, What They Aren't, and Why They Matter

Tokenised stocks are making headlines as the finance world flirts with the blockchain revolution. From Wall Street to Hong Kong, everyone seems to be talking about bringing equities on-chain. But as exciting as it sounds to have Apple or Tesla in your crypto wallet, it's important to understand what tokenised stocks really are – and equally import...

/crypto /markets

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

To the point about AI-agents needing verifiable credentials

Jamie Smith always worth reading: " Despite the froth, something deeper is happening. While the early numbers might be unimpressive, the broader shift is unmistakable. AI Agent systems are starting to appear across every layer of business, and investors are betting on consumer applications for everyday life. The real question isn’t whether t...

/ai /identity Artificial Intelligence and Financial Services

King Leung

King Leung Global Head of Financial Services and FinTech at InvestHK

Hong Kong FinTech Can Drive Green Investment Stability in a Disrupted World

Current disruptions to global trade norms risk pricing out developing nations from critical green technologies and deter related investments. This stalls both decarbonisation and economic growth in regions most reliant on affordable imports. Here, Hong Kong has a unique role to play. According to United Nations Trade and Development, developing ec...

/sustainable /inclusion

Sam Boboev

Sam Boboev Founder at Fintech Wrap Up

Deep Dive: Stripe vs. Adyen – Comparing Product Stacks and Pricing

Two fintech heavyweights are vying for dominance in global payments: Stripe and Adyen. Both power a substantial share of online commerce, yet they’ve taken different paths to the top. Stripe, the Silicon Valley darling, built its name with developers and startups; Adyen, the Dutch powerhouse, quietly became the backbone for many large global reta...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

What I missed in Geneva..

GDC25 was a successful milestone gathering. Here’s what I hope will be addressed more visibly going forward: 1. Stronger EU Member State Leadership on Organisation Wallets What I missed most was a more visible and vocal commitment from EU Member State governments — especially in enabling simple, high-impact credential flows through widely avai...

/ai /identity Innovation in Financial Services

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