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News and resources on devops, tools, platforms and APIs for developers and tech leaders in banks and fintechs worldwide.

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Expert opinions

Alex Kreger

Alex Kreger Founder & CEO at UXDA

How Financial Product Design Affects Bank Profits

Customers no longer measure a bank by the magnificence of its buildings but by the quality of its digital product. The digital user experience (UX) is now the primary lens through which the majority of customers perceive the bank's brand, and it plays a critical role in shaping customer loyalty and trust. Digital products are becoming the founda

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Customer Experience Gap in Digital Banking: Why It Matters and How to Close It

Banks and financial institutions are under immense pressure to innovate and modernize their services. The goal is clear: enhance customer experience (CX) to stay competitive in a market where customer expectations are higher than ever. However, significant investments and hard work do not always translate into success. This article explores a rea

/retail /devops Banking Strategy, Digital and Transformation

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Digital Transformation in Banking: Get Rid of Illusory Expectations to Avoid Failure

The term "digital transformation" has become a buzzword in the banking sector, its popularity doubling over the past year, according to Google Trends. There are 114 million results in Google Search, and financial institutions boast about their revolutionary approaches, their seamless integration of cutting-edge technology and their forw

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The UX Playbook for Financial Services: 15 Design Strategies Every Bank or FI Can Use

Financial product owners face unique challenges that require staying ahead of the curve with innovative design strategies. Financial services must not only be efficient and user-friendly but also align with business goals and regulatory requirements. The key to success lies in mastering design concepts that enhance user experience, streamline cont...

/retail /devops Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Stop Overloading Banking Apps and Try Thinking Like Apple

Many financial companies believe that packing their apps with countless features and the latest technology will attract and retain users. However, this approach could result in the opposite effect, driving users away due to overwhelming complexity. The true key to user retention is not more copycat features, but a more simplified, user-friendly ex...

/retail /devops Innovation in Financial Services

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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. 

293 downloads

Impact Study

Microservices Architecture: Future-Proofing Payments Technology

It is high time for banks to move away from legacy thinking and embrace modernisation to remain competitive in the industry.  Financial institutions have long been threatened by innovative, tech-savvy fintech firms that do not have to maintain decades-old back-office systems. Core banking systems within banks have evolved, but with additional pressure from incoming regulation and subsequent reporting, progression and modernisation has not kept pace with industry developments.  In the US alone, the real-time payments market is expected to grow at a compound annual growth rate of 31% until 2030. An institution’s success in scaling their payment processing in response to this shift will rest heavily on how their systems are set up.  Cloud-native payments processing is the most viable option to keep pace with innovation demand and competition; enabling banks to build upon flexibility, at low cost and risk. These enablers also make cloud infrastructure – both public and private – attractive for banks that have struggled to streamline, maintain and upgrade their legacy infrastructures.  This Finextra research paper, produced in association with Diebold Nixdorf, explores the opportunities of microservices architecture. It discusses:  Then & Now: Monolithic vs. microservices architecture  Overcoming microservice challenges  The benefits of a micro-approach  Real-world examples and cases studies  And more.    Click here to join the Finextra webinar, hosted in association with Diebold Nixdorf, to watch as our panel of iindustry experts explore the benefits of microservices architecture, and what needs to be done to ensure migrations are streamlined.

387 downloads

Impact Study

AI and Cloud: The Proving Ground for Regulatory Resilience in 2024

The current macroeconomic landscape is marked by exceptional volatility and uncertainty, posing challenges to traditional models in the financial services sector. Despite this new challenging market context, some financial institutions continue to hit pause on using AI and cloud technology, falling behind the curve. Leveraging new technologies can no longer be a zero-sum game. This impact study explores: How can AI and cloud be leveraged to improve back-end processes, rather than just front-end experiences; How migrating to the cloud can fuel new use cases; The regulatory impact of PSD3, DORA and more; The benefits of data sovereignty and data governance; And more. Download this Finextra impact study, produced in association with Microsoft Azure, to learn more.

654 downloads

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FinextraTV

Fighting Fraud with Form3: The Importance of Collaborative Intelligence

In Part 1 of this series, FinextraTV and Chris Oakley, Head of Fraud, Form3, points out why banks remain hesitant to share data, explores the misconceptions around regulations such as GDPR, and where levels of fraud would be if the standard was named GDSR, focusing on data sharing. While many financial institutions continue to be concerned about whether they are breaching rules and obligations, in certain situations, the fact that sharing data for fraud prevention can be useful and is a legitimate reason, is lost. To avoid this vicious circle, banks must take advantage of collaborative intelligence to mitigate rising financial crime cases such as APP fraud scams and share data where insights and intelligence can be exchanged between organisations in a secure environment, building a collaborative view.

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Long reads

Ann Lee

Ann Lee Trainee Trade Mark Attorney at Marks & Clerk

The future of finance? Financial services in the metaverse

This article has been co-authored by Claire Keating, principal at Marks & Clerk. ‘Metaverse’ has been quite the buzzword in recent years, and generally brings to mind images of quirky digital wearables, collectibles, and innovative art pieces which defy all concept of real world physics. In this dawn of Web3, similar to the early tech years whe...

Hamish Monk

Hamish Monk Reporter at Finextra

What is an API?

The world of financial services is increasingly connected. This is thanks to the unsung hero of the digital world: application programming interfaces, or APIs – a millennial innovation opened out to the financial sector through a series of open banking regulations, including the first installment of the Payment Services Directives, in 2007. APIs, ...

John Barber

John Barber Vice President and Head at Infosys Finacle

Trade finance: Progressive business models to beat the slowdown

This piece was co-authored by Manish Patni, lead product manager at Infosys Finacle. The global trade engine has been sputtering. Last year, the World Trade Organisation (WTO) downgraded its growth forecast for world merchandise trade to a meagre 0.8%, down from a prior estimate of 1.7%. This dramatic slowdown can be attributed to a confluence of...