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Expert opinions

Zurab Ashvil

Zurab Ashvil Founder & CEO at T3RRA Ltd

Trojan Stablecoin: What Circle’s NYSE Listing Really Signals

When Circle went public on the New York Stock Exchange, most headlines celebrated the moment as a victory for crypto adoption. A stablecoin issuer, once niche and volatile by association, had now joined the ranks of America’s oldest financial institutions. But beneath the bell-ringing and ticker symbols lies a deeper story - one that challenges o

/crypto /markets

Priyanka Rao

Priyanka Rao Content Strategist at Jupiter Money

Finding Your Crypto Home: What Makes an Exchange Platform Trustworthy

The cryptocurrency market has evolved dramatically, with thousands of digital assets now available for trading. Yet this expansion has brought a parallel rise in fraudulent platforms designed to steal funds or personal data. Selecting a trustworthy cryptocurrency exchange website has become a critical decision for investors – one that directly imp...

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Paul Quickenden

Paul Quickenden Chief Commercial Officer at Easy Crypto

Bitcoin breaks the rules - but that might just be the point

Let’s talk about price. Or more specifically, let’s talk about how Bitcoin defies the neat rule we try to impose on financial markets. While Wall Street was catching its breath this May with equities softening under the weight of interest rate uncertainty and macro drag (including the Nasdaq, S&P 500 and the Dow Jones losing ground) Bitcoin ca...

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Priyanka Rao

Priyanka Rao Content Strategist at Jupiter Money

Britain to Follow Trump’s Lead and Bring Crypto Into the Forefront of Politics

There is something happening in the UK. The traditional political establishment of the Labour and Conservative parties looks like it is breaking apart, and for the first time in over a century there looks to be a new political party on the block, Reform UK. For those new to the British political scene, Reform UK is a party that sits on the right o...

/crypto /markets

Nkahiseng Ralepeli

Nkahiseng Ralepeli VP of Product: Digital Assets at Absa Bank, CIB.

From Open Banking to Open Finance to DeFi: The Open Evolution of Finance

Open Banking has moved from regulatory idea to industry reality, driving transformation by enabling secure, permissioned data sharing between financial institutions and third-party fintechs. In practice, this means banks expose certain data (like account balances or transaction history) through open APIs, but only when you, the customer, give con...

/crypto /predictions

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Research

Impact Study

Mastering the Transition to ISO 20022

Strategies for Compliance and Automated Testing in Financial Services With a regulatory storm incoming, the need for testing solutions – whether they be generic or tailored – is greater than ever before. As the financial services industry undergoes a vast amount change, particularly around the introduction of new rails on the ISO 20022 framework, these tests are proving vital for international banks and other institutions in the chain.  Yet, for this sector change is not a binary phase; it is almost always underway. To tackle this challenge in a sustainable way, automation is key – giving institutions the confidence to weather the storm of regulation with ease.  With the ISO 20022 standard now a prerequisite, organisations must convince their business leaders that the migration mandated for November is not just an IT project – it is fundamental to company-wide strategy.  This impact study, produced in association with Unifits and featuring expert commentary from BearingPoint and Accenture, explores how institutions can master the transition to ISO 20022 and streamline compliance through automated testing.  Discover:  The impact and evolution of testing  The benefits of testing automation  The strategic role of technology and compliance  Trends to watch: New rails and regulations  Real-world case studies  And more. 

500 downloads

Future of Report

The Future of Digital Banking in Europe 2024

A Money20/20 Special Edition. In 2023, fintech investment in the EMEA region dropped to $24.5 billion, down from $49.6 billion in 2022 – a seven year low.  Macroeconomic and global political conditions are creating challenges for growth, with upcoming general elections around the world adding to the uncertainties in financial ecosystems. Despite these challenges, the outlook for European digital banking remains positive.  The region continues to lead in innovation within the financial sector. This Finextra report, a Special Edition for Money20/20 Europe, features interviews with key players in the European financial services and fintech industries. It includes insights from Vodeno, EY, J.P. Morgan, Swift, Tink, and TrueLayer, and explores the following topics that will be addressed in Amsterdam: Hyper-personalisation: Moving towards super apps  Embedded payments driving the Banking-as-a-Service revolution  Variable recurring payments: The next step in European open banking  Is Europe ready for MiCA? From Web1 to Web3, or Markets1 to Markets3  How European fintech is facing macro challenges 

993 downloads

Future of Report

The Future of Digital Banking in North America 2024

2023 was characterised by increasing amounts of uncertainty and a lack of clarity across the financial world. The collapse of banks, including Silicon Valley Bank, Signature Bank and First Republican Bank, in March 2023, added strain to already unsettled financial markets. While market volatility has remained relatively stable, soaring inflation and climbing interest rates slowed economic growth and this is expected to continue into 2024.  While forecasts regarding the length and severity of a possible recession are speculative, experts are even more divided about stock market predictions for 2024. Optimism is strong in many investors who expect that 2024 is the year rates will stop rising and predict bullish turns that will see markets soar to new heights. Yet with many other factors affecting North American markets, the only certainty we can expect as we look towards 2024 is more uncertainty. This Finextra report on the outlook of North American banking trends, is produced in association with Money20/20 and includes key insights and commentary from industry experts at EY and Mastercard.

741 downloads

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FinextraTV

How Will New Technologies Shape the Future of Payments?

In an interview with FinextraTV in the lead-up to Sibos 2024, Pilar Fragalà, Chief Commercial Officer of CBI, explores the impact of digital technologies and regulations on payment services. Highlighting the role of AI, APIs, and blockchain in enhancing security and speed, while PSD2 and PSD3 drive open banking and consumer protection, the discussion focuses on innovations like embedded finance and instant payments that offer transparency and flexibility. Addressing growing fraud risks, the interview examines how technology can prevent fraudulent transactions by verifying IBAN and beneficiary details in real time.

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Long reads

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What UK Chancellor Rachel Reeves’s US cryptoasset collaboration means

At the Innovate Finance Global Summit (IFGS) 2025, UK Chancellor of the Exchequer Rachel Reeves took the stage to speak on the Government’s commitment to supporting and advancing the fintech sector. Reeves discussed UK-US collaboration on fostering an environment primed for digital asset development, new additions to the Pensions Schemes Bill, and ...

Martin Walker

Martin Walker Research Fellow at Warwick Business School

The challenges of longer and faster equity markets

This piece was co-authored by Atharva Nirdesh Varshney, MSc Business Analytics graduate at Warwick Business School. There are two, much-publicised trends at play in equity markets. One is the shrinking of the settlement cycle, the period between executing a trade and exchanging securities for money. The other is extension of the trading day. Longe...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Tornado Cash: The end of sanctions, a decentralised future, and financial privacy

In a monumental shift in regulatory policy, the US government has reversed its decision to sanction Tornado Cash, the decentralised cryptocurrency mixer that has been a subject of intense debate since 2022. As reported by CoinDesk, Tornado Cash has been “accused of helping North Korea’s Lazarus Group launder stolen funds from its various hacks a...