Join the Community

Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community.

Access unique research, content, and real-time alerts, services – free to registered members.

43,822 Members   22,986 Expert opinions

Join the community Sign in

279Reports  270Webinars

Find out more

Expert opinions Last 7 days total 30

Kent Henderson

Kent Henderson VP Product Management at Mangopay

The Rise of Programmable Wallets: A Game Changer in Digital Payments

As digital platforms grow, the ability to process payments at scale becomes a crucial competitive advantage. With transaction volumes increasing, managing the flow of money across a growing network of users, vendors, and service providers while ensuring a smooth customer experience puts increasing pressure on platforms to perform. At every stag...

/payments

Prakash Bhudia

Prakash Bhudia HOD – Product & Growth at Deriv

What Alphabet and Microsoft earnings could reveal about the future of AI and quantum.

When two tech titans with a combined market cap of over $4 trillion prepare to reveal their Q1 earnings, the stakes stretch far beyond Wall Street. This isn’t just another earnings season - it’s a reality check on how big tech plans to handle the rising costs of AI, shifting alliances, and new threats from competitors and regulators. Alphabet and...

/markets

Prashant Bansal

Prashant Bansal Sr. Principal Consultant at Oracle

Resilience at Scale: Understanding and Implementing the Circuit Breaker Pattern in Microservices

Resilience at Scale: Understanding and Implementing the Circuit Breaker Pattern in Microservices In the evolving landscape of financial services, where milliseconds matter and system reliability is non-negotiable, modern software architecture must accommodate resilience by design. Distributed systems—particularly those employing microservices—are i...

/security /inclusion Banking Strategy, Digital and Transformation

Darya Lyhach

Darya Lyhach PR manager at Noda

How QR Codes Are Making Payments Easier for Local Businesses

As contactless technologies continue to reshape commerce, QR codes have emerged as a flexible and efficient method for facilitating digital payments. Ubiquitous across industries, QR codes are not only being used in marketing and logistics but are also becoming a reliable tool for transactions — particularly among small and medium-sized businesses...

/payments Fintech

Ekaterina Andreeva

Ekaterina Andreeva Software Engineer at Kriya Finance Limited

Postmortem Lessons. What Startup Failures Teach New Businessmen.

Startup failure in the UK is lower than in other countries but still remains high at 60%, according to growthrate.com. This means that almost two-thirds of launched businesses have failed in the past three years. Therefore, there are plenty of lessons that can be learned by entrepreneurs who are considering or launching their businesses. In 2023, ...

/startups /predictions

New members

Atharva Varshney

Atharva Varshney Student at Warwick Business school

Joseph Solomon

Joseph Solomon Founder at WDIR

Ashley O'Reilly

Ashley O'Reilly Head of Account Management, EMEA at Corlytics

Jason Linus

Jason Linus Director Growth at Primesoft

Trending

Research Total research pieces 279

Event Report

ISO 20022 for CBPR+: Driving Efficiency and Innovation in Financial Messaging

How far is the industry along its ISO 20022 for CBPR+ journey? The financial industry is on the brink of a significant transformation with the implementation of ISO 20022 for cross-border payments and reporting (CBPR+). This new standard promises to revolutionise transaction handling by offering enhanced data quality, improved compliance, and greater operational efficiency. The shift from the current MT format, which is becoming insufficient in today’s data-driven and regulatory-focused environment, to ISO 20022 addresses these challenges with a more structured and comprehensive framework for financial messaging.  This transition is crucial for banks and non-bank financial institutions to understand and prepare for as it enables more effective communication across borders and systems. The reconciliation of payments, especially for corporate and SME sectors, demands accuracy in linking all related data. ISO 20022 significantly streamlines this process by enhancing data richness and interoperability across various payment systems.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Finastra, by a panel of industry experts. Discover: How far the industry has come in the transition,  the challenges organisations are facing, and  the strategic importance of ISO 20022 for CBPR+ adoption. 

12 downloads

Survey

US Regulation Survey 2025: Compliance at a Crossroads

Assessing financial industry preparedness in a shifting US regulatory landscape as organisations struggle with deadlines, cost, and technology. In an environment of rapidly evolving regulations, driven by legislative and policy shifts at the federal and state levels, the US regulatory landscape is marked by complexity and uncertainty. Understanding the level of preparedness across industries is crucial for ensuring compliance, mitigating risk, and enhancing operational efficiency. This survey was conducted at the beginning of 2025, gathering financial services industry sentiment as the Trump Administration took office and began pivoting on key regulatory elements. With the US financial regulation regime also somewhat in limbo, that uncertainty was – and is – increasingly impacting the views of the 200 organisations surveyed. Analysis of our survey responses provides a comprehensive overview of the state of regulation readiness in the US, differences in reporting obligations, the impacts of automation for compliance, the roles of technology and data, and industry plans for modernisation. We explore: Which regulations will have the biggest impact on US financial services in 2025; Regulatory effects on organisational frameworks, budgets and staffing; How organisations are leveraging technology and partnerships to streamline regulatory compliance.

210 downloads

Event Report

Using modern technology platforms to create an AI-driven bank

In the rapidly advancing banking sector, integrating Artificial Intelligence (AI) has become less of a choice and more of a crucial stepping stone. The industry is facing a turning point in the adoption of AI where organisations either embrace the opportunities in front of them or risk falling behind.  The rise of artificial intelligence (AI) has ushered in a new era of digital transformation. In banking operations, the integration of AI presents an opportunity for significant growth. However, this integration is not without its challenges. Banks are dealing with more data than ever before, and managing this information effectively is a crucial hurdle to overcome. From ensuring data accuracy and relevance to adhering to privacy regulations, these challenges require careful consideration.  The decision to incorporate AI should be a strategic one, aimed at addressing specific business challenges and not just a nod to the latest trend. Identifying growth-inhibiting challenges and evaluating the viability of AI as a solution is a practical and cost-effective approach.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Red Hat, by a panel of industry experts. Discover:  Overcoming barriers in integrating AI into banking systems;  AI integration: A strategic approach; and  Effective utilisation of AI in business operations and risk mitigation.   

411 downloads

FinextraTV

3,082videos
129,116views in past year

/wealth

Influx of Self-Directed Investors Sparks Conversation About Education

At the Communify Fincentric Experience 2025 in Miami, FinextraTV were joined by Sarlota Hohwald and Randolph Johnson, LSEG, to discuss the growing rise of the self-direct market brings a renewed importance to the debate around financial education. On top of this, they discussed the use of AI to replace typical advisors and how a human touch is still essential in these moments.

Long reads Total long reads 1251

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Canada’s 2025 federal election and the fintech frontier: Risks and reforms

As Canada’s federal election approaches on 28 April 2025, the financial services sector could be standing at a pivotal juncture. The BBC reported a record-breaking early voter turnout with 7.3 million Canadians casting their ballots a week ahead of election day. Polling has suggested that Liberal former Bank of Canada and Bank of England governor M...

/markets

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What is the state of the global carbon market?

Last week, the UK Government published a report outlining a consultation titled Voluntary Carbon and Nature Markets: Raising Integrity, which outlined principles for carbon credit integrity. The move marks the UK’s broader ambition in becoming a climate finance hub, and raises questions around what is being done globally to address carbon credits ...

/sustainable

Martin Walker

Martin Walker Research Fellow at Warwick Business School

The challenges of longer and faster equity markets

This piece was co-authored by Atharva Nirdesh Varshney, MSc Business Analytics graduate at Warwick Business School. There are two, much-publicised trends at play in equity markets. One is the shrinking of the settlement cycle, the period between executing a trade and exchanging securities for money. The other is extension of the trading day. Longe...

/crypto

More