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Expert opinions Last 7 days total 41

Kristine Jakovleva

Kristine Jakovleva Chief Marketing Officer at Advapay

Advantages and Challenges of Launching a Business with MSB Registration in Canada

Canada's Money Services Business (MSB) registration is gaining traction among fintech entrepreneurs looking for a swift and cost-effective way to enter the financial services market. This article explores the benefits and drawbacks of launching a business under the MSB registration, comparing it to licensing options in the EU. Advantages of MSB Re...

/regulation /startups Fintech

Eli Talmor

Eli Talmor CEO at ID-Bound

Can we save DeFi from being Centralized?

DeFi - Addressing the Limitations of Traditional Finance. DeFi, or Decentralized Finance, aims to tackle several problems users face with traditional financial systems: Limited Access: Traditional finance often excludes people due to geographical location, credit history, or minimum balance requirements. DeFi, built on blockchain techn

/crypto /markets DeFi

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The Underestimated Role of Digital Brand Identity in Financial Services

Customer-centered product design plays a crucial role in building trust for modern financial companies and banks. Research from Frontiers in Psychology shows that attractive product designs positively impact consumer behavior, making users feel more favorable toward the product and the brand. However, customer trust goes beyond just aesthetics or ...

/retail /identity Innovation in Financial Services

Igor Kozintsev

Igor Kozintsev Vice President at CMA Small Systems

ACH replacement – a way to optimize national payment infrastructure?

The modernization and extension of Real-time Gross Settlement (RTGS) systems, coupled with the deployment of instant payments systems (IPS) is diminishing the ongoing requirement for separate, batch-based automated clearing house (ACH) systems. This is particularly the case for those countries that handle relatively small daily volumes of retail p...

/payments /predictions Payments strategies 2015-2020-2030

Anand Naik

Anand Naik CEO at Sequretek Inc

How Community Banks and Credit Unions Can Strengthen Their Cybersecurity Strategies in 2025

2024 was rough; why should 2025 be any different? This question lingers among community banks and credit unions as they brace for another year of evolving cybersecurity threats. With cybercriminals becoming more sophisticated and financial institutions under constant pressure to enhance security measures, understanding what lies ahead is crucial. ...

/security /inclusion Fintech

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Souvik Chakraborty

Souvik Chakraborty Product manager and SME at Veefin Solutions

James Strudwick

James Strudwick Executive Director at Starknet Foundation

Amanda Steward

Amanda Steward Head of Product Marketing at Aperture

Anna Mazur

Anna Mazur Project Manager at Simply Contact

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Research Total research pieces 271

Event Report

AI strategies for scalable, secure and compliant banking

Delving into effective strategies and tools for secure and compliant AI integration in banking, emphasising the importance of open-source models, the role of generative AI, the advantages of synthetic data, and the influence of regulatory frameworks. Integrating AI in banking involves more than just adopting new technologies; it requires aligning these technologies with specific banking use cases to maximise benefits and mitigate risks related to data security and compliance. Open-source models facilitate this transformation by offering a collaborative platform for innovation and transparency, essential for building trust and ensuring the safe use of AI in banking.  The journey from proof of concept (POC) to production in AI and machine learning is often lengthy and complex. This extended timeline highlights the challenges organisations face in integrating AI into their operations. Embracing new tools and technologies and learning to utilise them effectively is crucial for overcoming these challenges and applying AI to day-to-day operations, leading to significant benefits in efficiency and innovation.  When looking at other markets, the United States has become a hub for tech giants, focusing on fostering innovation, while regions like Japan remain cautious, reflecting their unique regulatory landscapes and societal risk appetites. This diversity in regulatory approaches presents both opportunities and challenges for firms operating globally, necessitating a nuanced understanding of each market’s unique dynamics.  This webinar report summarises the discussion of a Finextra webinar, hosted with Red Hat, by a panel of industry experts. Discover:  How AI is enhancing innovation, efficiency, and security;  Synthetic data and regulatory impact;  What factors are holding organisations back from fully adoption AI-driven services;  Balancing innovation and regulation;  And more. 

103 downloads

Impact Study

Are you ready for CBPR+? Accelerating modernisation and efficiency through ISO 20022

Challenges and strategies for financial messaging professionals to be CBPR+ compliant by November 2025.  Financial institutions’ ISO 20022 for CBPR+ migration timelines vary enormously, yet the deadline is the same for all financial institutions – whether they have fully adopted ISO 20022 or are yet to make significant progress. By November 2025, ISO 20022 will become the sole globally recognised standard for interbank cross-border payments, and the new MX messaging format will fully replace the old MT messaging format.  Concerningly, adoption has not picked up as significantly since the co-existence period began in November 2023. In January 2024, the ISO 20022 adoption rate of the top 175 financial institutions stood at 19%. By December 2024, this number had grown to 32.9%. It’s clear that institutions need to significantly accelerate their migration efforts over the next few months – or risk the consequences of non-compliance.  ISO 20022 is not just a compliance update – the data-rich format enables organisations to enhance their analytical capabilities, improve their service offering, improve straight-through processing, strengthen anti-money laundering and compliance efforts, and more.  This impact study explores readiness for the impending ISO 20022 for CBPR+ deadline and features commentary from experts at Finastra and Visa. It answers:  What needs to happen between today and November?  What are the main challenges institutions have been facing?  How can they streamline successful strategies to hit compliance by November and beyond?  What happens in November 2025 for organisations that have not made the deadline?    Join the Finextra webinar, 'The ISO 20022 for CBPR+ deadline is looming: Are financial organisations prepared?', hosted with Finastra, to learn more.  

110 downloads

Impact Study

Bank Legacy Transformation: Exploring the Solutions

Where do banks stand with legacy transformation today? What are the market factors and changing consumer demands that make transformation increasingly crucial? Legacy transformation is not a new challenge for banks. However, as technology capability continues to advance, along with it the potential for innovation and new business models serving a digital customer base, the pressure of no longer being constrained by legacy infrastructure intensifies. Despite being the central nervous system for banks’ operations for decades serving a business purpose, legacy systems have become inadequate, and those trained to use them may lack the skills needed to meet sophisticated demands for real-time and seamless experiences. Here’s how banks can decouple their systems from each other to evolve and grow, untangle technology challenges to drive digitisation, and invest in technology and employees to ensure obstacles to rapid and gradual modernisation are removed. This impact study, produced in association with Veritran, will: Consider frameworks that prioritise initiatives based on their impact; Explore specific recommendations for each of these challenges; Propose strategies on how to integrate systems that will address data silos; Highlight clear ROI examples, efficiency gains, and enhanced customer outcomes; and Emphasise that there is no need for legacy system abandonment and modernisation can be conducted gradually without disruption.

306 downloads

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What Are 'Future Safaris' and The 5 L's to Success?

Joining FinextraTV from CES in Las Vegas, Todder Moning, Head of Applied Foresights, U.S. Bank, shares his insights into the innovations at CES and how they inform his team’s view on the future. From explaining the role of futurists in banking to describing his 5 Ls for success, Moning provides his tips for future-proofing in the financial industry.

Events

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Long reads Total long reads 1192

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

What’s happening to the US CFPB?

What’s in store for America’s consumer financial services watchdog agency – the Consumer Financial Protection Bureau (CFPB)? Nobody really knows. But many open banking and data protection and control advocates are saying: “please don’t lose sight of the benefits of personal financial data rights,” amid the heated debate over its sponsoring agency’...

/regulation

Michele Centemero

Michele Centemero EVP Services Europe at Mastercard

Cybercrime landscape in 2025: Building a secure digital future

As we step into 2025, the digital landscape continues to evolve at an unprecedented pace, unlocking opportunities for innovation, connection, and growth. Yet, alongside these advancements, the need for robust cybersecurity has become more critical than ever. Cybercriminals are adapting quickly, using emerging technologies like artificial intellige...

/crime

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Don’t be duped by AI cupid: Stay alert for romance scams this Valentine’s

While Valentine’s Day is a happy holiday for many, it also marks the day when the lonely are at their lowest. Just as it is destined to be full of red roses, heart-shaped candy, and cheesy greeting cards, Valentine’s Day is fated to bring down the isolated and prey on the vulnerable. Which makes it a prime time to bring awareness to the flurry of ...

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