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Expert opinions Last 7 days total 33

Joris Lochy

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

The AI Agent Economy: Redesigning Financial Interactions

AI has already begun transforming financial services - from chatbots and robo-advisors to KYC automation, compliance, AML and credit risk scoring. These innovations are delivering efficiency gains and unlocking millions in cost savings, while driving hyper-personalized, proactive customer engagement. But we’re only just beginning to absorb the im

/ai /predictions Artificial Intelligence and Financial Services

Andrew Bonsall

Andrew Bonsall COO at AperiData

Beyond lending: Open Banking lessons from the Public Sector

Assessing vulnerability is one of the most pressing challenges facing local authorities today. Yet, many still rely on static indicators, such as postcode, benefit status, or historic income, that only paint part of the picture. These data points often miss the subtle, daily indicators of financial pressure. What’s often missing is a live view of...

Open Banking

Gurprit Singh Gujral

Gurprit Singh Gujral Founder and CEO at LoanTube

Why It’s Time to Rethink Personal Guarantees in SME Lending

Personal guarantees have long been a fixture in SME lending, providing lenders with an added layer of security to offset the inherent risks of financing small and growing businesses. For many first-time founders, the very notion of a personal guarantee can seem absurd. After all, aren’t limited companies meant to offer limited liability? In theo...

/retail /inclusion Small Business Lending Innovation

Erica Andersen

Erica Andersen Marketing at smartR AI

The Walls Within: Why Organizations Cling to Data Silos in the Age of AI

The promise of Artificial Intelligence (AI) is tantalizing: smarter decisions, streamlined processes, and unprecedented insights. The promise is transformative. From predicting consumer behavior to automating complex tasks, AI offers a tantalizing glimpse into a future of unprecedented efficiency and innovation. Yet, despite this allure, organiza

/ai /security Data Management and Governance

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

AI Becomes the Banker: 21 Case Studies Transforming Digital Banking CX

In banking, AI is no longer experimental—it became a cornerstone of strategy for improving how customers engage with their banks online and via mobile. Within this article, we analyze how AI’s adoption in 2024 impacted key areas of digital CX, highlighting global trends as well as specific insights from major markets like the US and UK. We examine...

/ai /retail Innovation in Financial Services

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Gurprit Singh Gujral

Gurprit Singh Gujral Founder and CEO at LoanTube

Guru Shankar

Guru Shankar Co-Founder at ExaThinkLabs AI

Ankit Dash

Ankit Dash Senior Manager Marketing at Bankai Infotech

Sanju Biswas

Sanju Biswas Marketing Head at Abhiloans

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Research Total research pieces 290

Impact Study

Case Management: The key to revolutionising cross-border payments

While the challenges of case management and inefficient E&I processes are not new, the need to address them is more pressing than ever – especially given the G20’s roadmap deadline and the impending global migration to ISO 20022.  In today’s digital era, end-users expect payments to be faster, cheaper and more convenient than ever before – whether domestic or cross-border. As global payment barriers are overcome, banks are tasked not only with meeting customer demands, but business and regulatory ones too.  Enhanced cross-border payments – as supported by the G20’s roadmap and the richer data that ISO 20022 provides – are becoming a real differentiator, with the capability to unlock tremendous value for institutions. However, while a lot of attention is paid to seamless transactions, one area has historically been overlooked: exceptions and investigations (E&I).  This continues to present a significant challenge for both payment providers and corporates, and is impacting numerous networks and technologies. Yet, if harnessed effectively, E&I tools can help institutions significantly reduce costs, speed up processing times, improve transparency and, by extension, satisfy the G20’s targets.  This Finextra impact study, in partnership with Swift, explores:  The advantages of effective E&I processes;  Why solutions are needed to reach the next level; and  How banks can effectively embed them in their infrastructures. 

74 downloads

Future of Report

The future of payments in major global markets: A mid-decade review

2025 is a significant year for the global payments industry. Marking the midpoint of the decade, and witnessing pivotal trends like the rise of real-time payments, advanced fraud detection and prevention, data portability, and open finance—these interlinked developments will set the stage for innovation through to 2030 and beyond.  The payments industry is now at the tipping point of global innovation, especially with global e-commerce market revenue projected to reach over $4.3 billion in 2025 and grow by 8% (CAGR 2025-2029). Further, by 2026, 5.2 billion people, or more than 60% of the global population, are expected to use digital wallets. The value of global transactions through account-to-account (A2A) payments is also predicted to rise from $1.7 trillion in 2024 to $5.7 trillion by 2029 – an increase of 230%. This will also pave the way for real-time payments to boom, with an expected CAGR of over 35% from 2024 to 2032. Looking at major global markets, the UK has continued to be at the forefront of the global payments revolution, quickly emerging as a hub for open banking as a result of the PSD2 directive and the UK’s pioneering standard. In October 2024, the Data Use and Access Bill was introduced to the House of Lords, signalling the UK’s commitment to bolstering open banking’s data sharing principles. Similarly, a month later, the National Payments Vision was unveiled, charting a clear path for the entire ecosystem to leverage technologies such as AI and DLT. The payments revolution is also taking over Europe. The Instant Payments Regulation (IPR) is rolling out instant payments by amending SEPA and adding specific provisions on instant credit transfers in euro to existing cross-border regulation: the Settlement Finality Directive (SFD) and the Payment Services Directive (PSD2). IPR also demands for Verification of Payee (VoP), confirming a recipient's account details before a payment is made and bringing down increasing numbers of fraud, particularly in the instant payments space. Similar to other regions, the US has made significant steps toward the innovation and interoperability of real-time payments – most recently through the launch of FedNow in 2023, the Federal Reserve’s real-time payment rail. Predictions show a total value of $95 billion in-app social commerce payments by 2030 in the US alone, meaning the integration of open banking is pivotal to maximising the value to be gained from e-commerce. However, the impact of the Trump administration’s strains on the CFPB and how that will effect Section 1033 and open banking in the US will be seen. This Finextra report, in association with Form3, examines the impact of these crucial advancements on the future of global payment schemes in the UK, Europe and the US, highlighting insights from experts at Bank of America, Crédit Agricole, ING, J.P. Morgan Payments, Lloyds, Santander, and Truist.

269 downloads

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. 

130 downloads

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/regulation

A2A Regulation: Prepare For Compliance Deadlines, Without Losing Modernisation

Whilst joining the FinextraTV studio at EBAday 2025, Craig Ramsey, Head of A2A Payments, ACI Worldwide helped to both define the fundamentals of account-to-account payments, as well as sharing his insights into the current landscape. Touching on recent regulation obstacles, Ramsey described how modernisation projects have been stopped to strategically meet regulatory standards. In his eyes, this may lead organisations to be on time to meet regulatory deadlines but lacking in readiness for the iterative innovations needed in the current market.

Long reads Total long reads 1307

Martin Walker

Martin Walker Research Fellow at Warwick Business School

What is the real bitcoin inflation rate?

"When I use a word," Humpty Dumpty said, in rather a scornful tone, "it means just what I choose it to mean- neither more nor less." - Through the Looking Glass, Chapter 6, by Lewis Carroll One of the explanations for the value of bitcoin is based on its claimed anti-inflationary properties. The ultimate supply of bitcoin, unlik...

/crypto

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Is financial literacy still important? New survey says now more than ever

Money – acquiring it and managing it safely and effectively - is causing more household stress now than ever, and not just among parents, but kids too. It’s not a huge surprise to hear this message arising from a recent survey of more than 1,000 full-time working parents of children 8-18. The study was conducted by Greenlight – an Atlanta-based co...

/inclusion

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is predictive analysis?

Predictive analytics is a method of data analysis used within the financial services industry – and beyond – to forecast business-related outcomes. It sits on a spectrum, beginning with descriptive analytics, the most basic form of data analysis, then moving to diagnostic analytics, predictive analytics, and finally prescriptive analytics – the mo...

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