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Carlos Marmolejo

Carlos Marmolejo CEO and co-founder at Finsus

Can digital banking help solve financial inclusion challenges in Mexico?

Financial exclusion remains one of Mexico’s biggest barriers to economic growth. Mexico has a population of over 130 million, yet credit to SMEs represents less than 7% of GDP, compared to over 25–30% in countries like Brazil and Chile. This gap keeps millions of entrepreneurs reliant on cash and left out of the formal banking system. The country b...

/people /inclusion

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

Stablecoins Already Winning in Cross-Border Payments, Exec Says

Stablecoins have been described as the future of cross-border payments. Compared to regular bank transactions, they are faster and reduce costly payment delays. Although government agencies and traditional finance institutions continue to debate their viability, stablecoins are slowly becoming the modern alternative to traditional cross-border pay...

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

IFRS 9 ECL: What the PRA’s latest feedback means for Boards

The Prudential Regulation Authority’s (PRA) latest feedback on IFRS 9 will shape the relationship between firms, regulators, and the wider market for years ahead. In its September 2025 letter, the PRA emphasises that it expects more than compliance. Boards must now show active oversight and strategic leadership. That means leading on risk modelling...

/regulation

Aaron Holmes

Aaron Holmes CEO at Kani Payments

The Payments Journey: From Complexity to Clarity

When I first entered the payments space nearly two decades ago, reconciliation was seen as a manual slog filled with pain points. Back then, teams spent countless hours buried in spreadsheets, trying to trace transactions, spot mismatches and make sense of what should be a straightforward process. While technology has moved on, the core issues st...

/payments /regulation

Monica Eaton

Monica Eaton Founder & CEO at Chargebacks911 and Fi911

Age of Entitlement welcomes AI in Banking

AI already runs payments. Every tap, click, or online order is scored by algorithms deciding in milliseconds if it’s safe. Fraudsters are blocked faster than ever, and customers are better protected than they were even a few years ago. So yes, AI is working. Fraud attempts are being stopped before they hurt consumers. We’ve seen real progress. But ...

/ai /retail Artificial Intelligence

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

What Is a Dedicated Business IBAN?

Managing payments is crucial to any business, but it often presents challenges. From reconciling transactions to meeting compliance expectations, businesses need efficient solutions. Dedicated business IBANs provide a streamlined approach to handling SEPA and SWIFT collections, platform payouts, and safeguarding funds. As we look ahead to trends li...

/inclusion

Muhammad Qasim

Muhammad Qasim Senior Software Developer at PSPC

Raast: The Digital Revolution Transforming How Pakistan Handles Money

Pakistan is taking a big leap toward a fully digital economy — and at the center of this transformation stands Raast, the instant payment system launched by the State Bank of Pakistan (SBP). What started as a modern way to send and receive money quickly has grown into a powerful tool that’s reshaping how citizens, businesses, and government instit...

Muhammad Qasim

Muhammad Qasim Senior Software Developer at PSPC

Forex Trading in Pakistan: A Step-by-Step Beginner’s Guide for 2025

💡 What Is Forex Trading? Forex (short for foreign exchange) is the global marketplace where currencies are traded — like USD, EUR, GBP, PKR, and others. You make money by buying one currency and selling another based on price changes. Example: If you think the US dollar will rise against the Pakistani rupee, you buy USD/PKR. If the dollar goes up,...

David Maimon

David Maimon Head of Fraud Insights at SentiLink

The Intersection of Fraud Markets and Compliance Mandates: Why It’s Time to Rethink CIP

Over the last several months, my team’s research into online fraud ecosystems has revealed just how far criminals are willing to go to outpace financial institutions. On Telegram, sellers advertise “fullz” — complete identity kits including Social Security numbers, driver’s licenses, and even school transcripts. On Facebook, fraudsters openly prom...

/regulation /crime

Joris Lochy

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

UPI’s Free Ride: A Masterstroke - But Can It Last?

Already 2 years ago, I explored in my blog "The UPI Phenomenon: From Zero to 10 Billion" (https://bankloch.blogspot.com/2023/09/the-upi-phenomenon-from-zero-to-10.html) how India’s Unified Payments Interface (UPI) reshaped the digital payments landscape. UPI has grown into one of the world’s largest digital payment systems, processing o

/payments /retail Payments strategies 2015-2020-2030

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