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Expert opinions Last 7 days total 48

Roman Eloshvili

Roman Eloshvili Founder and CEO at XData Group

The Rise of Agentic AI: How It Will Revolutionize FinTech by 2025

Agentic AI is rapidly gaining traction: over 80% of companies intend to adopt it within the next three years, according to various surveys. But for all this noise around Agentic AI, many people still find themselves wondering if it truly is a must-have for FinTech companies or just another fad. Well, let’s take a closer look and try to make sens...

/ai /predictions Artificial Intelligence and Financial Services

Guy Harrison

Guy Harrison CEO at Quantios

Peeking underneath the business bonnet: how technology can unlock investor interest

The wealth, trust and corporate services sector is awash with mergers and acquisitions (M&A). Yet, it’s no secret that the M&A market declined in 2023 and has continued on a similar trajectory this year. In fact, earlier this year, a collapse in deal flow, meant only nine disclosed M&A transactions took place, representing a decline o

/wealth

Daniel Meyer

Daniel Meyer CTO at Camunda

Orchestrating Financial Services Processes with Business Strategy

The financial services sector faces complex challenges like regulatory changes, cost pressures, and an increasing need for improved customer experience. To stay ahead of the competition, financial services organizations need to enhance efficiency and improve their customer experiences. Automation is a clear strategic imperative that aligns to thes...

/devops Financial Transformation

Robert Kraal

Robert Kraal Co-founder and CBDO at Silverflow

Expanding beyond borders: how European fintechs can ‘Make it in the USA’

European fintech firms aiming to enter the US market face a formidable challenge. While the market offers immense growth potential, it is fiercely competitive. Disruptors seeking to revolutionise entrenched legacy payment systems often encounter significant resistance. Compounding these challenges, fintech funding has dropped sharply—by a stagger...

/payments /cloud Fintech

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

Financial fraud today: New threats, new strategies

Fraud impacts every sector of society – from major corporations to everyday consumers. Recent trends reveal marked shifts in fraudster behavior, highlighted by a 31% increase in romance scam payments over the past year and new patterns in investment fraud. These scams continue to grow in sophistication, combining advanced technology with social en...

/crime

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Emils Dzina

Emils Dzina Data Analyst at ChiliLabs

Veronika Ukrayinets

Veronika Ukrayinets Founder & CEO at 100X PR

Laurence Hamilton

Laurence Hamilton Chief Commercial Officer at Consilient Inc

Mike Dekock

Mike Dekock Founder and CEO at MJD Advisors

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Research Total research pieces 266

Impact Study

Catering to a new generation though unified card programmes

How Gen Z is changing the payments landscape, why operational costs are soaring, and how a unified card programme can help financial institutions to unlock a competitive advantage and drive growth. Globalisation continues to shape the market as money moves between banks, businesses and even countries quicker and in higher numbers than ever before. Both debit and credit cards remain vital in today’s payment experience but changing consumer demands and the surging popularity of neobanks leave traditional banks fighting for top-of-wallet status.  On one hand, traditional banks are battling surging operational costs. From a functionality point of view, the world is getting smaller. Today, there is not much perceived difference to the consumer between debit cards, credit cards, and prepaid cards. Yet behind the scenes, many banks run each of these products in different platforms and set-ups, each racking up its own costs.  Add to this mix services like personal loans/buy now, pay later (BNPL) schemes and increasing regulatory demands, you have created the perfect storm: Having to bolt on a new, disparate system every time the services are extended – which costs time, money, and adds high regulatory burden.  On the other hand, the consumer expectations of a new generations are shaping the market. Gen Z’s preference for digital, seamless payment methods is changing the financial landscape and traditional banks need to adapt their service offerings in order to match these new demands.  This impact study, produced in association with FIS, explores:  Increasing cost pressures: Why operational costs are soaring  How a new generation is shaping the payments landscape  Tackling change: The benefits of a unified card programme  Case studies: A practical approach to change    Watch the on-demand Finextra webinar with FIS - Unifying card programmes: The cost-reduction imperative  

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Event Report

Sustainable Finance Live – Natural Capital Finance

A Record from the Sustainable Finance Live Conference and Hackathon 2024  On 8 October 2024, Finextra Research and ResponsibleRisk held the annual Sustainable Finance Live hybrid conference and hackathon, in partnership with NayaOne.  The conference took place at Events@ No6 in London, and started off with a welcome from founder of ResponsibleRisk and contributing editor for Finextra, Richard Peers. Peers opened with an introduction outlining the themes and objectives of this year’s event: to understand natural capital risk, pricing, and trade.  The focus areas of the conference were natural capital, agriculture, supply chains, as well as regulation and reporting. The sessions also highlighted highlighting new technologies that are being used to collect nature-related data such as Earth observation and satellite reporting.  Richard Peers, contributing editor at Finextra and founder of ResponsibleRisk, moderated the conference: “What we wanted to do is to put on an event aimed at explaining the landscape of a natural capital transaction, with the associated data providers identified along the way. Ending the process in an asset management trading platform, taking into consideration all the steps that a regulated entity has to undertake, to prove to the financial industry that this can be an asset class, that is as tradable as any other.”  Download a Visual Record of the event below to discover key themes of the event’s panels, keynotes, and hackathon. We cover:  Natural capital trading from field to trade;  How nature financing can be achieved;  The role of data, economic profit, and policy for natural capital;  How to build a sustainable ecosystem using natural value;  Visions and results from the hackathon;  And more. 

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Future of Report

The Future of AI in Financial Services 2025

A special edition for NextGen:AI 2024 Artificial intelligence (AI) has the ability to revolutionise the financial industry making id more efficient, enhance customer experiences, reduce costs, and create new products and services.  AI is transforming how institutions manage risk, intercept fraud or crimes, personalise customer experiences, improve efficiencies across their operations, make investment decisions, and many more use cases which are still being developed.  Some industries have already started to embrace AI and banks can be included in that, but financial services still has room to learn from the developments of other ecosystems. At the same time, the innovation in AI is now being driven by legislation. The EU AI Act came into effect in 2024 and is the most concrete piece of legislation, but other jurisdictions are developing their own and will continue to watch how the EU progresses.  With the new possibilities AI is opening for financial services, there are new risks. Biases, model issues, cyber security, and compliance issues are among some of the hurdles which AI presents to financial institutions. Adding to this are the serious sustainability issues which AI can create for financial institutions planning to use it long term.  This report has been written in collaboration with Box, Innovate Finance, and RedCompass Labs, and contributions from Globant, the United Kingdom House of Lords, ING, NatWest Group, Sumsub, and Smarsh. It explores:  How financial services can embrace AI;  Some of the key emerging AI use cases;  Global legislative outlook for AI;  AI sustainability and energy efficiency;  How AI can transform financial services metadata extraction. 

305 downloads

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/ai

Is GenAI A Solution in Search of a Problem?

Amidst the talk of Generative AI at Finextra’s ‘NextGenAI’ event, David Tracy, Head of Data Products, Smart Data Foundry questioned whether the best case use had been found yet. Joining the FinextraTV studio, he discussed his belief that traditional AI such as Machine Learning is approaching its next evolution, but that he’s excited to see an application of GenAI that feels revolutionary. Whilst discussing this, he went further to talk about how to approach biases, regulation and the myth that AI is an autonomous entity.

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Olivia Murphy

Olivia Murphy Managing Associate at Linklaters

How the FCA’s proposed safeguarding rules could re-shape the UK payments industry

The much-anticipated FCA consultation on its safeguarding requirements for payments firms was released at the end of September. In their current form, the proposals are set to have significant impact on the UK payments industry, particularly for some smaller firms and certain business models. What are the safeguarding rules? The safeguarding requi...

/payments

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

CFPB’s Section 1033: Will US open banking reach its potential?

Just over a month since the US Consumer Financial Protection Bureau released its 'final ruling' on the expansion of the Dodd-Frank Act, the financial services world has now weighed in with a variety of detailed viewpoints on the landmark personal data rights and open banking regulation. Will the new requirements for banking and fintech providers s...

/regulation

Mehret Habteab

Mehret Habteab SVP Processing Platforms & Network Products at Visa Inc

Future proofing payments security on a fragmented landscape

In today’s global, instant and inter-connected world, the payments ecosystem comprises more players than ever before. The benefits of such a model have included unprecedented levels of competition, innovation, and service – for everyone. But this has also meant that there is an increased attack surface for bad actors, making fraud prevention and s...

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