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Expert opinions Last 7 days total 38

Doriel Abrahams

Doriel Abrahams Principal Technologist at Forter

How Retailers Can Balance Customer Experience and Policy Abuse

In today's e-commerce landscape, retailers face an increasingly challenging problem - policy abuse. New research report revealed that a staggering 70% of U.K. consumers believe retailers make it far too easy to abuse their returns policies - and yet these same shoppers are also demanding the convenience and seamless experience these policies provi...

Imanuel Kaiser

Imanuel Kaiser President at Bloxley

Speak Without Words

You can tell in seconds, some fintech products click. Why? They look good, feel considered, give a sense of control. What you're seeing is design doing the heavy lifting. To their detriment, most startups don’t treat design like a real business lever. Instead, they might think of it as a coat of paint to add once the product works. But great fint

/retail /startups Digital Banking Trends

Parminder Saini

Parminder Saini CEO at Triple Minds

Understanding the Role and Benefits of Introducing Brokers in Forex Trading

Understanding the Role and Benefits of Introducing Brokers in Forex Trading There are 3 main benefits of working with introducing brokers in forex: access to better trading conditions, local customer support, and often added educational or bonus programs. Introducing brokers (IBs) act as intermediaries between traders and forex brokers, helping be...

/markets Personal Finance

Viacheslav Kostin

Viacheslav Kostin CEO at WislaCode Solutions

Innovative PWAs Slash Fintech Costs

Progressive Web Apps (PWAs) are transforming fintech by offering efficient, high-performance digital solutions. For banks, startups, and financial providers, choosing between PWAs and native apps hinges on cost, speed, and user trust. PWAs deliver app-like experiences through web browsers, reducing development expenses while preserving quality. H...

Mobile Financial Services (MFS)

Mathieu Altwegg

Mathieu Altwegg SVP Head of Product and Solutions Europe at Visa

Open Banking Won’t Work Without Trust. Here’s How We Enable That.

Open banking isn’t just a regulatory shift - it’s a generational opportunity. For the UK, one of the most digitally connected economies in the world, it offers a pathway to make managing money simpler, smarter, and more rewarding. It holds the promise for consumers to move money instantly, access better financial tools, switch providers effortless...

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Anika Bajaj

Anika Bajaj Content Strategist at Zopping

Alex Pinto

Alex Pinto VP of Products - core banking at Pismo

David Maimon

David Maimon Head of Fraud Insights at SentiLink

Chris Holmes

Chris Holmes Managing Director at PayTech Consulting

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Research Total research pieces 288

Impact Study

Reimagining customer journeys: How can banks upscale experience and boost retention?

To stay competitive and better serve their customer base, financial institutions (FIs) must urgently reimagine their customer journeys — from onboarding to the broader lifetime experience — or risk facing a hit to their market share. Technology has significantly transformed the financial services industry, particularly over the last five years. Challenger banks and fintech firms have rapidly gained popularity thanks to their ability to offer fast, simple, digital services. According to data from Plaid, nearly nine out of 10 consumers were using a fintech application in 2023. This percentage will continue to grow.  Financial institutions (FIs) must urgently reimagine their customer journeys or risk facing a hit to their market share. Indeed, today’s customers are more likely than ever to switch primary banking relationships if they do not receive the services they are looking for. Young, digital natives continue to shape this market, with research revealing that 44% of Gen Z customers have changed their primary banking relationship in the last 12 months. The call to competition cannot be ignored.  But how can FIs innovate to meet these demands, while simultaneously running legacy systems? This Finextra impact study, in association with Hyland, explores how financial institutions can:  Reinvent onboarding and Know-Your-Customer (KYC) processes;  Upscale the overall customer journey;  Look to artificial intelligence (AI) for product enhancement and integration; and  Present real-world case studies for each of these objectives. 

49 downloads

Report

PaaS, cloud and instant payments: Navigating the outsourcing question

Today’s institutions are in some ways faced with far greater challenges than ever before. Be it from the demand for ever-faster services; the pressure of always-on compliance; or the need to remain agile and competitive. Is PaaS the holy grail FIs have been looking for?  Outsourcing payments is an increasingly irresistible proposition for FIs. With end-user demand constantly evolving; real-time requirements on the rise; macro-economic trends becoming ever more unpredictable; and the pressure of regulatory compliance ratcheting up, the provision of proprietary payments has become a thorny pursuit.  Enter the stage: cloud technology. By leveraging modern tools and techniques to build, deploy, run, and manage software in a cloud-computing environment, FIs of all kinds can take advantage of scalability, elasticity, and automation. But the benefits of Payments-as-a-Service (PaaS) can extend beyond these practicalities – serving to revolutionise bank operations, unlock broader efficiencies, and enrich the end-user experience.  Mining this potential, however, obliges institutions to navigate some challenges. First, FIs must understand the potential of cloud-native technology as an engine for modernisation and embrace the cultural shift that is triggered by cuttingedge technologies. It may involve training, testing and concerted integration efforts.  Another key challenge is delegation: which tasks should be handed to third parties, and which should remain in-house? Indeed, when systems evolve, FIs must always keep one eye on compliance. As ever, approach and growth potential are directly impacted by the type and size of the institution in question, so approaches should be tailored.  This Finextra whitepaper, produced in association with FIS, evaluates:  The key considerations when placing client transaction data in the public cloud;  The art of delegation: Determining which tasks to offload;  The role of regulation and compliance; and  A PaaS checklist for finding the right solutions and partnerships.    Register to watch the related Finextra webinar, hosted in association with FIS – PaaS, cloud and instant payments in the spotlight: Overcoming outsourcing challenges

93 downloads

Impact Study

Surviving digital fallout: Operational resilience in 2025 and beyond

Almost every financial institution loses money each year to outages. What does an optimal resilience strategy look like in 2025?  The financial sector is increasingly dependent on technology to deliver its offering. Notwithstanding all the benefits this brings for productivity, reach, and customer satisfaction, its side effect is that the sector is increasingly vulnerable to network and software issues, third-party service slip-ups, cyberattacks, and capacity problems. If not managed correctly, a compromised IT system can spark knock-on disruptions to financial institutions, the firms they trade with, their supply chains, and even the economy-at-large.  To mitigate such risks, the global marketplace has been flooded with regulations aimed at bolstering operational resilience. Most recently, Europe’s answer has been the Digital Operational Resilience Act (DORA) – the deadline for which passed on 17 January 2025. However, these regulations are only guidelines; they mandate a minimum level for compliance, instead of an ideal strategy to holistically handle outages.  In this Finextra impact study, produced in association with Cockroach Labs, we speak with leading firms in the space to understand the best-in-class strategies they have adopted to achieve operational resilience. In the most effective cases, firms go beyond compliance, and exploit regulations as a business opportunity to stimulate productivity, increase competitiveness, and reduce costs. In today’s increasingly digital marketplaces, architectures must be operationally simple and flexible, as well as global and robust.  We explore:  The growing challenge of outages;  Regulation, DORA, and resilience requirements;  What an optimal resilience strategy should look like in 2025 and beyond;  How organisations can future proof their operations while staying agile for future regulatory requirements. 

107 downloads

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What Lessons Can Be Learnt from a Decade as a Banking CEO?

Joining the FinextraTV Unplugged studio, Charles McManus, Co-Founder and Board Director, Clear Bank reflected on the lessons, challenges, and highlights of the bank following his departure as CEO. As well as giving context to the history of Clear Bank's evolution, McManus offered some experienced insights into what the most pressing priorities of 2025 and beyond are, from tech to regulation.

Long reads Total long reads 1299

Henna Cheema

Henna Cheema Researcher at Finextra

Why 65% of the banking industry is not fully prepared for DORA: Key Insights from NextGen Nordics

Set against the dynamic backdrop of the Nordic financial landscape, the NextGen Nordics 2025 event in Stockholm, Sweden on 29 April 2025 featured key findings from Finextra’s latest survey, highlighting the Nordic community’s concerns and aspirations. Real time data gathered from interactive audience polls throughout the event offered live insight...

/payments

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 ...

/security

Simon Jennings

Simon Jennings Executive Director at UK Cryptoasset Business Council

The UK’s next Big Bang: Digital assets, blockchain, and Web3

With HM Treasury and the Financial Conduct Authority (FCA) actively consulting on the future regulatory framework, real progress feels within reach. But as ever, the devil is in the details. Warm words and platitudes alone won’t deliver what is required, and regulation is only part of the puzzle. That’s why today, the UK Cryptoasset Business Counc...

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