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Expert opinions Last 7 days total 40

Srinathprasanna Neelagiri Chettiyar Shanmugam

Srinathprasanna Neelagiri Chettiyar Shanmugam Manager - Banking and Financial Services at Aspire Systems

Beyond the AI Demo: Unpacking the Hidden Costs and Human Toll

TL;DR: Everyone claims AI is revolutionizing productivity but most people I talk to aren’t seeing it. This piece is a grounded take on the gap between AI hype and real-world results. There are gains in narrow tasks and for junior staff, but the impact is uneven. Often overstated and rarely transformational these are. In this article, I explore wha...

/ai /predictions Artificial Intelligence

Prakash Bhudia

Prakash Bhudia HOD – Product & Growth at Deriv

Bitcoin’s institutional glow-up could trigger the next big rally

Remember when Bitcoin was the scrappy outsider of finance, a rebellious bet for techies, libertarians, and Reddit traders? Well, times have changed. These days, Bitcoin is cleaning up nicely - getting scooped up by big corporations, rebranded by Wall Street, and even tossed around in political punch-ups. This isn’t just a glow-up. It’s a full-blow...

/markets

Mikko Anderssen

Mikko Anderssen CEO at Scila

From fragmentation to foundation: Why real-time risk needs a unified harmonised train

Picture your firm’s risk management like a high-speed train racing through a complex network of tracks. Every twist and turn represents shifting market conditions, and evolving asset classes. Indeed, the whole network of tracks is constantly shifting with new lines being added through regulatory demands. For the journey to be smooth and safe, ever...

/regulation /markets Financial Risk Management

Farnam Rami

Farnam Rami Founder at DevPay Turkey

Designing for the Next Decade: A Founder’s View on Building Digital Finance Beyond Borders

As a founder working at the intersection of regulation, design, and financial access, I’ve come to believe that the future of digital finance won’t be defined by how fast we build — but by how deeply we prepare. Emerging markets like Türkiye, and complex regions such as Iran, are not just adoption zones for global fintech trends — they are pressure...

/startups

Farnam Rami

Farnam Rami Founder at DevPay Turkey

Anticipating Financial Futures: Infrastructure, Innovation, and Inclusion in Türkiye’s Fintech Lands

In the face of rapid technological evolution, Türkiye stands at a unique inflection point in redefining financial inclusion and infrastructure resilience. As traditional banking systems continue to show signs of fragmentation, inefficiency, and inaccessibility—particularly for underserved populations—emerging digital platforms are stepping in to c...

/startups

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Alexander Morsakov

Alexander Morsakov Head of Business Development at FinOn Payment Solutions

Farnam Rami

Farnam Rami Founder at DevPay Turkey

Jurijs Bordulans

Jurijs Bordulans Co-founder at Uspex

Jacob Bennett

Jacob Bennett Co-Founder at Crux Analytics

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Research Total research pieces 292

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. 

1 download

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

45 downloads

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. 

134 downloads

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How Technology Can Enable an Overdue Rethink of Corporate Lending

At the Temenos Community Forum 2025, Maurya Murphy, Senior Product Director (Corporate), Temenos and Mohammad Khatib, Director of Information Technology, The Arab Energy Fund, joined FinextraTV's studio to discuss the challenges within corporate lending technology. Investigating where legacy systems need modernising, Murphy and Khatib outline emerging technologies that enable an easier, more corporate-friendly approach to loan lifecycles.

Long reads Total long reads 1312

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What sustainability-linked bank accounts are out there?

Due to the increasing pressure on big banks to meet net zero goals and fulfill environmental, social, and governance (ESG) requirements, a wave of sustainability-focused banking services have been released, seeking to help integrate green initiatives into consumers’ everyday lives. As Scott Hamilton detailed in an earlier Finextra long read on ES...

/sustainable

Chloé Wade

Chloé Wade VP International Financial Services UK at IDA Ireland

How Ireland is shaping the circular future of European fintech

As Europe’s digital finance ecosystem matures, innovation alone is not enough to ensure scalability, future growth and longevity. Regulation, customer expectations, user experience (UX), and social responsibility are raising the bar for all companies, including in financial services and amongst fintech firms. Firms capable of balancing growth with...

/markets

Franz Bergmueller

Franz Bergmueller CEO at AMINA Bank

Traditional banking vs. crypto banks: The road ahead

The rise of cryptocurrency since 2008 shook the world of traditional banking. What began as skepticism and denial has evolved into cautious acceptance, as institutions and retailers have seen the potential of crypto – not only as an asset class, but as infrastructure. Traditional banks are increasingly playing catch-up in a system that is being re...

/crypto

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