Nikhil's blog archive

2019 (3)
Nikhil Sengupta

Nikhil Sengupta

Head of UK Business Development at Five Degrees
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Bio UK banking and compliance specialist Career History Head of UK Business Development at Five Degrees, London office. Prior to this, ex-Head of Compliance for a leading European FinTech, and Lead Supervisor at the FCA


Open Banking

PSD2: the time to act is now

13 Sep 2019

There’s nothing quite like an impending deadline to shake you out of summer holiday mode – and PSD2, due to come into force on September 14th, is a significant one. Whilst the FCA recently confirmed an 18-month delay to the Secure Customer Authentication (SCA) aspect of the directive, PSD2 is about so much more than multi-factor authentication. It ...



FinTech in the UK is driving better access to lending and leasing

06 Aug 2019

Access to capital can mean the difference between business longevity and business insolvency. Many UK businesses, particularly SMEs, either lack the access to capital or they find it takes a long time to secure funding from traditional offerings. In the context of the digital economy, lending and leasing customers, such as manufacturers, retailer...

Banking Architecture

Placing customer experience at the heart of innovation: the rise of the instant bank account

04 Jul 2019

The majority of traditional and challenger banks in the UK are currently lagging behind customer demand for an instant account set up, and risk missing an opportunity to attract new customers and retain existing ones. Recent research (2019) conducted by Censuswide of 2,000 UK banking customers shows that 4 in 10 Brits (43 per cent) expect to be abl...