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News and resources on payments systems, innovations and initiatives worldwide.

[Webinar] Banking on Stablecoins: Accelerating Cross-Border Payments in the US, UK and EuropeFinextra Promoted[Webinar] Banking on Stablecoins: Accelerating Cross-Border Payments in the US, UK and Europe

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Expert opinions

Saagar Bhavsar

Saagar Bhavsar Partner at Begin Capital

Money redesigned: How AI agents are forcing finance to evolve

Finance has always evolved alongside technology, but this time, the participants themselves are changing. Economic activity is increasingly being executed by autonomous AI agents. I'm talking along the lines of software that trades, allocates, and coordinates without direct human involvement. AI agents are advanced systems that can make decisions,...

/payments /predictions

David King

David King CTO at Flywire

What CIOs, CSOs and CTOs need to know about PCI Scoping and Segmentation Guidance

As CTO of an international fintech and an advisory board member to the Payment Card Industry Security Standards Council, I often spend my free time reading all things payments and security related - don’t judge me 😀. Recently, I re-read the PCI DSS Scoping and Segmentation Guidance for Modern Network Architectures information supplement - a big...

/payments /regulation

Dave Glaser

Dave Glaser CEO at Dwolla

AI, Policy, and the Payment Revolution: Why Real-Time Infrastructure Demands Action Now

Payment infrastructure is undergoing its most significant transformation in decades. With the GENIUS Act now establishing the first comprehensive federal framework for payment stablecoins, and with new guidance emerging on the responsible use of AI, the United States is laying the foundation for the next phase of financial infrastructure. These sh...

/payments /regulation

Ben Mason

Ben Mason Founder at My Compliance Centre

The end of light touch: a compliance wake-up call for payment services firms

The FCA’s approach to payments has moved from principles-based to forensic oversight, which is a shift that changes everything. For years, payment and e-money institutions operated under what many would describe as “light touch” regulation. The sector was seen as low risk, and smaller firms thrived without the same level of scrutiny faced by banks....

/payments /regulation RegTech

Oliver Tearle

Oliver Tearle Head of Technology Innovation at The ai Corporation

International Fraud Awareness Week - How Agentic AI is revolutionising fraud management

Agentic AI’s automated decision-making capabilities have demonstrated impressive performance recently. From automated software development to personal assistants, its use cases are rapidly expanding as the technology is incorporated into many business areas and products. Agentic AI improves upon previous automation technology by using AI models ...

/ai /payments Transaction Fraud Systems and Analysis

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Research

Event Report

Holistic banking platform modernisation: Balancing innovation and business continuity

How banks are moving from core modernisation to end-to-end transformation.  Over the last decade, many financial institutions have started expecting that the terms modernisation means having to modernise the core – yet this believe does not stand the test of time as innovation continues to shift expectations. While many organisations now have modern, real-time cores yet struggle with other aspects, such as integrations or digital experiences.  So how can financial institutions peel back the layers to ensure true end-to-end transformation? And how can this innovation can be achieved in a resilient manner? Whether organisations look to leverage AI, APIs, robotic process automation (RPA), or cloud computing, it's crucial that these next-generation tools are seamlessly integrated into existing systems.  This report highlights the key takeaways of a Finextra webinar, hosted in association with FIS, by a panel of industry experts. We discuss:  The shift away from core modernisation;  The key obstacles to achieving end-to-end transformation;  How APIs can be leveraged most effectively;  How financial organisations can balance innovation with business continuity. 

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Event Report

Modernising liquidity management for real-time banking

The rapid adoption of real-time payments is fundamentally transforming the financial services landscape, creating both new challenges and significant opportunities for banks and their corporate clients. As the industry moves beyond traditional, batch-based processes, financial institutions are under increasing pressure to modernise their liquidity management systems and embrace advanced technologies to remain resilient and competitive in a 24/7, real-time environment.  Success in this dynamic market now hinges on the ability to adapt swiftly and strategically. By investing in robust APIs and real-time data integration tools, banks can achieve greater visibility and control over liquidity positions, streamline processes, and reduce operational costs.  The integration of artificial intelligence (AI) and machine learning (ML) further elevates operational efficiency, enabling predictive insights, enhanced reliability in payment systems, and improved customer experiences. These technologies are not just enablers — they are becoming essential for maintaining financial stability and meeting the evolving demands of clients in an increasingly digital and instant world.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Tietoevry, by a panel of industry experts. Discover:  The shortfalls of liquidity systems in a real-time world;  An examination of the bank - corporate relationship;  Why APIs and AI are game changers. 

144 downloads

Event Report

Tackling the next ISO 20022 milestone: Structured addresses

Unstructured address data will be phased out in November 2026. What do banks need to do to prepare?  The first critical ISO 20022 deadline is upon us in November 2025, as the CBPR+ coexistence period ends. However, the transition does not stop there and the next migration is right ahead: from unstructured to structured addresses. Whereas traditionally, addresses could be entered both in both structured and unstructured formats, in November 2025, a hybrid option will become available. In November 2026, unstructured address formats will be phased out. Migrating to ISO 20022 structured addresses offers banks a strategic opportunity to modernise their payments infrastructure. However, this transition demands a comprehensive overhaul of address data management, storage, and utilisation across systems. This report highlights the key takeaways of a Finextra webinar, hosted in association with RedCompass Labs, by a panel of industry experts. Discover:  Industry readiness for the ISO 20022 structured address migration;  How banks can create strong data strategies;  The roadmap toward structured addresses; and  How to overcome the key migration challenges. 

168 downloads

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FinextraTV

Spoilt for Choice: Which AI Is Right For Us?

While at SBS Summit 2025 in Paris, Christophe Sorré, CTO, Financial Services & Consumer Industry, IBM France help to demistify some of the key differences between the multiple forms of AI and how to know which is best for your organisation. Beginning by providing a history of AI from basic logic in the 80s, through to machine learning and todays current evolution of Generative and Agentic AI, Sorré separates each by saying that traditional AI and machine learning can do one task, Generative and Agentic can do multiple.

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Events

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Long reads

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

‘Tis the season for holiday scams: How to stay safe and shop smart

The holiday season brings joy, celebration and a surge in online shopping. But as consumers hunt for thoughtful gifts, the latest tech, and the best deals, scammers are also busy — making Black Friday and Christmas one of the riskiest times for fraud. And with digital commerce booming, the threat landscape is evolving faster than ever before. To u...

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What are Faster Payments?

The UK’s Faster Payments service is back under the spotlight, with the Bank of England (BoE) recently being handed the reins of a long-overdue reform of the UK’s retail payments infrastructure – following years of faltering progress under Pay UK. The move came after Governor Andrew Bailey issued a call for urgent infrastructural modernisation in hi...

Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in October 2025

Catch up on Finextra’s most-read payments stories from last month. G20's cross-border payments plan to miss 2027 deadline The G20's roadmap to improving cross-border payments was officially introduced in 2021. The G20’s Financial Stability Board (FSB) now reports that global financial institutions are set to miss the first deadline of 2027. "I...