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Bo Harald

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

How wallets will protect especially elderly against fraud

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Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

When Your Vendor Becomes Your Vulnerability

[On-Demand Webinar] Fintechs, Regulation and Innovation: The Competitive Advantage of ComplianceFinextra Promoted[On-Demand Webinar] Fintechs, Regulation and Innovation: The Competitive Advantage of Compliance

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Expert opinions

Bo Harald

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

How wallets will protect especially elderly against fraud

The focus is now on getting public sector units to take EBWs in use - before it becomes mandatory. I have for my part listed the massive reasons - the WHY - over the years and will not repeat them here. Christmas came early this year as EU and the German chancellor Friedrich Merz came out with the HOW: mandatory wallets for issuing and verif

/security /identity Innovation in Financial Services

Erica Andersen

Erica Andersen Marketing at smartR AI

The AI Hiring Dilemma: Why Aren't Companies Outsourcing AI Expertise?

In a recent LinkedIn poll, the question was simple: "Let's be honest. Why aren't you hiring external AI experts?" The results were telling, and perhaps a little disheartening for those of us in the AI space. While a quarter of respondents admitted they do hire AI experts, the majority offered concerning reasons for their hesitation. Th

/ai /security Artificial Intelligence and Financial Services

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Beyond Continuity: Why Resilience Is the New Currency of Organisational Survival

How forward-thinking organisations are moving from traditional business continuity planning to a broader, adaptive model of business resilience. For decades, organisations have invested in Business Continuity (BC) as a safeguard against disruptions—cyberattacks, system failures, fires, floods, outages, or human error. BC plans provide playbooks: wh...

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Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

When Your Vendor Becomes Your Vulnerability

Why third-party software risks don’t end at deployment — and how banks and fintechs can stay ahead of them. Introduction: Third-Party Software — The Hidden Exposure That Never Sleeps In today’s financial ecosystem, banks and fintech firms are deeply dependent on third-party technology. Cloud-based solutions, fraud-detection engines, AML systems, o...

/security Operational Risk Management

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Resilience Reimagined

Why Resilience — not just Risk Management — has become the strategic backbone of modern banking and fintech. Resilience: What It Is and How It Differs from Risk Management For decades, financial institutions have relied on risk management as their primary defence mechanism. Entire regulatory regimes—from Basel II to the PRA and MAS frameworks—are b...

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Bo Harald

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

How wallets will protect especially elderly against fraud

/security

Research

Survey

Turning AI potential into advantage: How financial services institutions are scaling AI

Discover how industry leaders are turning AI into a competitive advantage. Our latest Finextra survey report, assessing the global state of AI in financial services, is now available to download.  AI is no longer a future prospect but a core driver of financial services transformation. However, strict regulatory, security, and data governance requirements often hinder adoption. The key question for leaders has shifted from “Will AI have an impact on my business?” to “How can AI be deployed at scale to create tangible value?”.  To uncover how the industry is addressing these issues, Finextra Research, in association with Cloudera, surveyed 155 global industry leaders in August 2025 to reveal insights designed to help navigate this complex landscape.  Get the insights you need to stay ahead — this exclusive report explores not only the maturity of AI adoption, but also the strategic decisions around infrastructure and vendor partnerships that will define success in the years to come.  Download this Finextra survey report, produced in association with Cloudera, to discover:  Your peers' current levels of AI and ML maturity;  The greatest barriers to successful AI implementation — and how to overcome them;  The adoption of hybrid deployment models;  The top AI and ML use cases driving ROI today;  What drives the adoption of custom AI environments; and  How firms are evaluating their enterprise AI platform vendors. 

240 downloads

Future of Report

The Future of Cross Border Payments 2026: Strategies for Success

A special edition for Sibos Europe 2025 The pace of the financial industry is unrivalled. The cross-border payments landscape is rapidly evolving and maturing as emerging technologies develop, new regulations come into play, fraud dominates, and global consumers demand instant payments.  How is the industry responding to these changes, and what strategies are banking experts and leaders deploying to combat the onslaught of challenges as the future draws nearer? Sibos 2025 in Frankfurt will be a forum for conversation on the next steps for the financial sector, and how to conquer the next frontier of global finance.  This Finextra report analyses key innovations, explorations, and sentiments on the cross-border payments landscape, featuring key insights from Absa CIB, BNY, Crown Agents Bank, Commerzbank, the Financial Conduct Authority, FV Bank, HSBC, ING, Januar, JP Morgan, National Australian Bank, RBI, Santander, Société Générale, Standard Bank, Standard Chartered, State Street, and ZA Bank. It discusses:  Agentic AI and GenAI revolutionising cross-border payments;  The implications of a post-ISO 20022 migration world;  How banks are future-proofing their cross-border payments frameworks;  Financial crime and fraud prevention in payments;  The digital transition to cloud native infrastructure;  Challenges and opportunities in instant payments;  How rapidly emerging technologies will define the future of cross-border payments. 

801 downloads

Event Report

Modern onboarding: Optimising KYC through data integration and AI

The integration of technology and data continuity, combined with digitisation, automation, and AI, is revolutionising KYC and onboarding in the banking industry.  In today’s fast-paced financial landscape, efficient client onboarding is crucial for operational excellence and effective customer lifecycle management. Financial institutions are increasingly redefining their Know Your Customer (KYC) processes to reduce inefficiencies and enhance the overall customer experience.  Integrating advanced technologies and real-time data processing can significantly accelerate these processes, providing clearer customer insights and reducing complexities. Data integration and AI allow the streamlining of KYC and onboarding procedures, ensuring seamless interactions and improving transaction accuracy and security. By embedding these capabilities within client environments, institutions can facilitate easier access to verified information, fostering trust and long-term business relationships.  This report highlights the key takeaways of a Finextra webinar, hosted in association with NICE Actimize, by a panel of industry experts. Discover:  Today's KYC inefficiencies and challenges;  The impact and importance of data; and  How digitisation, integration, and AI can streamline KYC and onboarding. 

363 downloads

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FinextraTV

Why Breaking Data Silos Is the First Step to Smarter Risk Decisioning

At Sibos 2025 in Frankfurt, Ed Metzger, Vice President, Platforms and Payments Efficiency, LexisNexis Risk Solutions addressed the growing challenge of data silos in financial institutions, emphasising the need for a customer-centric view across the entire lifecycle, from onboarding to risk decisioning. He advocated for orchestrated, end-to-end data strategies that unify identity, transaction, and behavioural insights to improve operational resilience and reduce risk. Metzger highlighted the importance of proactive risk management, especially in the age of deepfakes, and pointed to measurable outcomes like improved straight-through processing rates as key indicators of success.

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Long reads

Ruth Wandhofer

Ruth Wandhofer Board Member and Senior Adviser at LSEG, PTSB

Top cyber threats and prevention trends in 2026

The scale and effectiveness of major ransomware attacks (Marks & Spencer), supply chain breaches (Bank Sepah) and high-profile cyber-attacks on critical infrastructure (Collins Aerospace) in 2025 should be a wakeup call to companies, banks, public sector organisations, governments, insurers, and investors alike. The threat landscape saw a 60...

Retired Member

Retired Member

The UK’s moment to lead digital verification: A roadmap to economic growth and financial security

Following London Tech Week, the spotlight is on the technologies shaping our future, and one of the most important is digital verification. With more of our lives happening online, from banking to healthcare to everyday shopping, the need for secure, reliable ways to prove who we are has never been greater. That’s why digital verification is high ...

Luke Stubbs

Luke Stubbs Partner at Shoosmiths LLP

Mitigating cyber-risks in outsourcing: Contract strategies for compliance and protection

A clear and present danger In recent years, several prominent UK businesses have faced significant technology and cybersecurity challenges and the consequences of data protection breaches. For example, in October 2023, the Financial Conduct Authority (FCA) fined Equifax over £11 million for failing to manage and monitor the security of UK consumer ...