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Expert opinions Last 7 days total 31

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Building Wealth for Everyone: How Banks Can Democratize Recurring, Low-Cost, Long-Term Investing

Active investing is challenging, often yielding less-than-desired results for the average investor. While professional investors with access to advanced tools, up-to-the-minute market information, and complex models might occasionally beat the market, for most of us, that’s a near-impossible feat. The efficiency of markets today means that any pu

/wealth /retail Fintech

Prakash Bhudia

Prakash Bhudia HOD – Product & Growth at Deriv

Gold's new all-time high: Evaluating the asset’s long-term outlook

Gold prices (XAU/USD) surged past the $2,700 mark, reaching a new all-time high during Friday’s Asian session. The precious metal has maintained a strong uptrend over the past week, driven by a combination of central bank monetary easing, geopolitical risks, and a weakening U.S. Dollar. As global uncertainties persist, gold continues to shine as a...

/markets

Alexander Boehm

Alexander Boehm Chief Executive Officer at PayRate42

Analysis: Fraud Challenges Facing Neobanks and Fintechs

Neobanks and fintech companies have revolutionized the financial services industry, offering customers more flexible, user-friendly alternatives to traditional banks. With sleek mobile apps, fast account setup, and innovative financial products, these digital-only platforms have attracted millions of users worldwide. However, this rapid growth h

/regulation /crime

Carlo R.W. De Meijer

Carlo R.W. De Meijer Owner and Economist at MIFSA

Traditional financial custodians enter the crypto market

An interesting recent development in the crypto market is the increasing introduction of institutional crypto custody services, setting new benchmarks in the crypto industry. The adoption of Bitcoin and Ether ETFs this year has attracted growing acceptance in mainstream finance. As a result the institutional demand for secure, compliant and flexib...

/crypto Blockchain Observations

Azimkhon Askarov

Azimkhon Askarov Co-partner at CONCRYT

What can we learn from the Gen Z love of BNPL?

Gen Z is known to lead the charge when it comes to the adoption of new payment methods – which is good news for BNPL, which has had some high-profile knock-backs and more than its share of negative headlines. Buy Now, Pay Later (BNPL) saw explosive growth during the pandemic, which continues now during the cost-of-living crisis. As such, it has es...

/payments /inclusion

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Mart Spekreijse

Mart Spekreijse Business Analyst at Ace + Company

Mostafa Hammam

Mostafa Hammam Head of IT at Emirates Islamic Bank

Thomas Aubel

Thomas Aubel Project Manager at BNP Paribas

Mathias Wikstrom

Mathias Wikstrom CEO and Co-founder at Doconomy

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Research Total research pieces 259

Future of Report

The Future of Payments 2025 – Digital, Instant, Profitable?

A Sibos Special Edition The global payments landscape is in a period of rapid transition, with technologies and regulations making a serious impact. Yet looking to the future of the payments industry, how can we ensure that it is digital, instant, and profitable? While consumer behaviours continue to evolve in tandem with this. Artificial intelligence (AI), tokenised assets, Central Bank Digital Currencies (CBDC), Blockchain, and even more pioneering technologies are shaking up the payments systems all in their own way. Adding to this atmosphere of flux, is an developing regulatory framework which promises to alter this situation further. Regulators are facing an uphill battle attempting to legislate on emerging technologies while keeping consumers safe, and providing the best outcome for payment service providers (PSPs). As we move towards milestones like open finance and more rapid payments, there is a chance the payment ecosystem could look quite different within the next few years. Under these growing pressures, global payments organisations will need to ensure that they are able to bend and adapt to the circumstance, or risk snapping. Never has it been more important for PSPs to collaborate with each other, and regulators, to ensure the best outcomes. This Sibos 2024 special edition report, was produced with contributions from Accenture, Deloitte, EBA CLEARING, Finastra, FIS Global, Investec, J.P. Morgan, Oesterreichische Nationalbank, PPI AG, Swift, and Wise. It explores: The evolution of instant payments in 2025; The modernisation correspondent banking and cross border payments; Preparing the upcoming EU payments legislation; The key to successful digitalisation; The technology innovations reshaping the payments sector.

240 downloads

Future of Report

The Future of Embedded Finance in Africa 2025

Embedded finance is changing the payment landscape in Africa. The question now is: what will it take for embedded finance to truly scale across Africa? The global embedded finance market is set to grow beyond $228 billion by 2028 according to Juniper Research. As this market matures and consumer confidence in the technology grows, this will likely prove to be a significant chunk of global financial services. In Africa, this emerging trend has the potential to unlock new economic opportunities. As a less mature market, it is not as hindered by legacy payments systems, making it ripe for payment innovation from embedded finance. It has the potential to reshape the continent’s current payments landscape, broaden innovation opportunities, and drive financial inclusion. As a market Africa is very adaptable to different technologies, and embracing of newer, more agile services. A lot of the population to the majority of their banking through their mobile phones, making embedded finance fit seamlessly into financial worlds of the populace. Yet there are many factors which will alter and develop the ability for embedded finance to take hold. This Finextra report, sponsored by Kora, received contributions from Binance, Indelible Inc., Mojaloop Foundation, and Nikulipe. It explores:  Making embedded cross-border payments work in Africa; Unlocking the opportunities of embedded e-commerce in the African market; Embedded finance: Encouraging African financial inclusion; Why personalisation in embedded finance is the next step for African fintech; Regulating Africa to encourage embedded finance innovation.

89 downloads

Impact Study

Adding GenAI To Your Fraud Prevention Strategy

We explore the numerous benefits of generative AI for fighting fraud.  In an instant payment, cross-border world, fraud is more nefarious and prevalent than ever. Recent research shows that worldwide, APP (Authorised Push Payment) fraud now represents 75% of all digital banking fraud on a dollar-value basis. By 2026, losses are expected to reach $5.25 billion – revealing that APP fraud is one of the biggest threats to financial institutions (FIs) globally.  The next pre-emptive step in the fight against fraud is generative AI (GenAI), which uses Large Language Models (LLMs) to generate new content like text, audio, video and even new computer code. While GenAI is still in the fledgling stages of adoption within fraud prevention, it will soon become a true differentiator.  But how exactly are scammers deploying AI to their advantage? What are the best ways to incorporate GenAI into a fraud prevention strategy? How should consumer privacy be managed? This impact study answers these questions and casts an eye over the current fraud landscape, the regulatory implications, and the vital role of innovation.  This Finextra impact study, produced in association with Outseer, explores:  The evolution of scams;  The role of AI;  Technology and the impact of generative AI;  How to embed AI in the best way possible;  Addressing regulatory challenges and concerns;  And more. 

199 downloads

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/sustainable

Can Every Product Be Climate Positive?

Richard Peers, founder of Responsible Risk, interviews Erik Stadigh, Co-Founder and CEO of Lune, winner of the EBAday 2024 FinTech Zone award, ahead of Sustainable Finance.Live 2024. They explore how corporate sustainability can be simplified by automating carbon emissions reporting through APIs and hosted solutions. With the goal of making every product and service climate-positive by integrating granular emissions calculations and carbon projects into bank and fintech offerings, we ask: can businesses truly decarbonise efficiently without relying on costly consultants or new tools? As greener decisions are made with minimal effort, the future may see every company becoming a climate company through seamless integration of climate data.

Long reads Total long reads 1075

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Instant payments will change the payments landscape in 2025

This is an excerpt from the Future of Payments 2025 report. Will the future of payments be digital, instant and profitable? What is for certain in 2025 is that the payments industry will increasingly become complex and multi-faceted due to the sheer number of players entering the market. New rails will be leveraged to settle a growing number of p...

/Sibos

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Embedded finance: Encouraging African financial inclusion

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Africa is leading the world in growing mobile banking and embedded finance solutions. The growth in technology hubs in African nations has led to mass adoption of digital banking apps and high mobile penetration among the population. With more digital adoption in African...

/Sibos

Amanda Kavanagh

Amanda Kavanagh Contributor at Jobbio

Why UK fintech is leading the charge for VC investment

Q3’s results are in, and it’s good news for the fintech industry. With $3.3 billion raised, a significant $1 billion more than any other sector, fintech has maintained its top ranking for 2024. The news comes via Dealroom’s UK Q3 Innovation Update, which shows that though investment in UK startups slowed over summer, UK startups still commanded $2...

/people

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