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Expert opinions Last 7 days total 41

Glenn Fratangelo

Glenn Fratangelo Director of Product Marketing and Strategy at NICE Actimize

Elder Financial Exploitation: What Financial Institutions Must Do

Elder financial exploitation is more than just a fraud issue — it’s a pressing public health and consumer protection challenge. As the population ages and digital channels become more prevalent, older adults are increasingly targeted by scammers and abusers, often with greater frequency and success. From romance scams to trusted caregivers abusing...

/retail /crime

Dmytro Spilka

Dmytro Spilka Director and Founder at Solvid, Coinprompter

USD/CNY Continues to Dwindle in 2025 as China Seeks Renminbi Stability

The ongoing trade tensions between the United States and China are playing out throughout different forex markets as the dollar continues to lose value. But is a strengthened renminbi in China’s interests? USD/CNY ended the first half of 2025 1.8% down as United States President Donald Trump introduced reciprocal tariffs in a move that prompted a...

/markets

John Adam

John Adam Chief Revenue Officer at Aimprosoft

What is RAG in fintech and how financial services are using it with LLMs to power AI innovation

To operate, organisations in the financial services sector require hundreds of thousands of documents of rich, contextualised data. And to organise, analyse and then use that data, they are increasingly turning to AI. One AI-driven approach to unifying, understanding, structuring and then accessing stores of internal data is the LLM (Large Langua...

/ai Artificial Intelligence and Financial Services

Anusha Sivaramakrishnan

Anusha Sivaramakrishnan Consulting Partner at TCS

India Asset Management – Key drivers and trends

Overview The Indian asset management industry has witnessed remarkable growth over the past decade, driven by an increasing awareness of financial planning, a surge in retail participation, and robust economic expansion. This sector, which encompasses mutual funds, portfolio management services, and alternative investment funds, has become a pivot...

Sanju Biswas

Sanju Biswas Marketing Head at Abhiloans

What You Need to Know Before Pledging Your Shares

Pledging shares is a common way for investors to unlock the value of their stock holdings without having to sell them. It allows you to borrow money by using your shares as collateral. While it may seem like a convenient option, pledging shares involves certain risks and responsibilities that every investor should carefully evaluate. This article ...

/wealth Personal Finance

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Gary Palmer

Gary Palmer President & CEO at Payall Payment Systems, Inc.

Hedera .

Hedera . Thought Leadership at Hedera

Karl Sigerist

Karl Sigerist Managing Director at The Shaughnessy Group

Martin Lewit

Martin Lewit VP of Corporate Development at Nisum

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Research Total research pieces 293

Event Report

Cross-border payments as the next fintech frontier

Economic, regulatory, and technological insights for enhanced cross-border solutions amidst economic uncertainty. Cross-border payments have become integral to the global financial ecosystem, driven by the expansion of international business operations. The need for efficient, secure, and cost-effective payment solutions is more pressing than ever, and fintechs are a crucial cog in the cross-border machine.  In 2025, businesses must contend with a dynamic financial environment shaped by market volatility, regulatory changes, and technological advancements. Factors like tariffs, sanctions, and supply chain shifts significantly impact foreign currency reserves, requiring agility from financial institutions and fintechs alike. To stay competitive, organisations must be more agile than ever before to leverage cutting-edge technologies and strategic partnerships, in order to enable them to respond swiftly to changes and maintain a competitive edge.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Visa Direct, by a panel of industry experts. Discover how cross-border payments are affected by:  Economic and geopolitical considerations;  Technology and other fintech advantages;  Interoperability and regulatory considerations; and  CBDCs, stablecoins, and other innovations in the cross-border space. 

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Impact Study

How can businesses bridge the gaps in their cashflow?

Macroeconomic forces are ratcheting up the cashflow pressures of small and medium-sized businesses (SMBs) and large middle market (LMM) enterprises. How can they optimise cashflow?  While the consumer space has experienced a wave of digitisation – with credit initiatives thriving, such as embedded finance and Buy Now Pay Later (BNPL) schemes – the equivalent trend has been slower to advance within the business world. This may be for several reasons, such as structural, regulatory and governance delays – particularly in Central Eastern Europe. Nevertheless, given the increasingly debit-heavy market in Europe, the need for cashflow solutions remains.  More than ever, businesses stand to benefit from revolving credit facilities (RFC) to bridge gaps in their working capital, boost liquidity and sharpen their short-term financial health. Such solutions offer a means to weather the unpredictability of global market forces and get behind new projects that require upfront investment, like expansions or productivity hikes.  Some SMB markets, however, show more receptiveness than others. In France, Italy and Germany, there has been strong adoption of deferred debit, along with overdrafts and loans – with less enthusiasm for classic RCFs. The United Kingdom (UK)’s SMB sector, meanwhile, has welcomed credit cards to bolster its books.  Yet across the board there is a need for solutions that are tailored to each vertical and cover the full gamut of businesses’ modern-day requirements, including transparent e-invoicing, dynamic discounting, chargebacks, factoring, interest-free credit, digitisation, and so on.  Historically, banks have been good at serving the large corporate space vertically, though not so good in the SMB space; typically viewing it from a one-size-fits-all perspective. This approach is no longer tenable, as evidenced by the success of newer entrants. SMBs and LMMs are not just looking to hand down instant and embedded credit services to their customers, they are looking to pass it on to the organisations they transact with – ensuring their sales journey and purchasing experience is cutting-edge and flexible.  This Finextra impact study, in association with Visa, explores:  New market pressures and the evolving needs of SMBs and LMMs;  How organisations can bridge cashflow gaps with working capital solutions;  The benefits of tailoring solutions by vertical; and  Real-life case studies to showcase the options available. 

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Impact Study

Exploring the rise of originate-to-distribute (OTD) models

Opportunities and challenges for banks in the secondary loan trading market  The lending market has markedly evolved in the last couple of decades. One of the most significant aspects has been the shift from originate-to-hold to originate-to-distribute (OTD) models. Whereas historically, lenders used to originate loans and hold them through maturity, several market factors have necessitated a diversification of risk. Diversification of funds, optimisation of asset management, risk optimisation, as well as a need for increased profitability have catalysed the OTD model— particularly when banks retain the right to service the loans.  However, barriers to adoption remain as banks grapple with infrastructure and data concerns, and regulatory updates in the space are further affecting how banks approach and optimise their OTD models. On top of that, increasing interest rates over the last four years have meant increased risk for banks that are already struggling with regulatory and capital cost. Add to this the rise of private credit institutions that offer direct lending (and face lower regulatory and capital cost), and banks are starting to feel the pressure of decreasing margins.  This Finextra impact study, produced in association with FIS, explores:  The growth of OTD models and the secondary loan trading market;  The challenges banks face in the lending space, including: Increased competition, Inadequate data structures, and Regulatory requirements;  The opportunity that OTD models— combined with artificial intelligence (AI)—offer to help optimise banks’ portfolios and balance sheets.    Register to watch the related Finextra webinar, hosted in association with FIS –  Entering the Originate-To-Distribute era: Exploring commercial lending and portfolio diversification

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How to Drive Banking Innovation with Generative and Agentic AI

Whilst speaking at Temenos Community Forum 2025, Erik Johnson, Global Head of Product Design, Temenos joined the FinextraTV studio to talk about the areas he's most excited about within the development of AI. Discussing product ideation and compliance across both GenAI and Agentic AI, Johnson passionately positions his belief that AI is a tool that enables banks and partners to focus on more innovative and 'fun' day-to-day tasks. Beyond this, Johnson also describes the inherent connection between AI development and co-design.

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Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

What Australia’s Confirmation of Payee means for the future of fraud prevention

July 2025 saw Australian banks unveil their version of scam fighting technology Confirmation of Payee, allowing names to be matched to accounts and preventing customers from being tricked into sending funds to fraudsters. Forming part of the Scam-Safe Accord – a joint initiative of the Australian Banking Association (ABA) and the Customer Owned Ba...

/crime

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Can reducing fossil fuel subsidies advance global climate goals?

Research from ZEW Manheim found that worldwide climate targets can be met by reducing subsidies for fossil fuels. The Paris Agreement aims to limit global warming to below 2°C to 1.5°C above pre-industrial levels. Targets range from achieving net zero by 2035 to 2070 depending on the country, with most settling in the middle at 2050. The UK is aim...

/sustainable

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Solving modern KYC challenges

In today’s digital age, banking is expected to be seamless, frictionless, and to make it plain and simple: easy. However, with a constantly shifting regulatory landscape, increased demand for hyper-personalisation and desire to be digital – financial institutions have obstacles to overcome to keep up with consumer demand. A pain point in the digit...

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