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News and resources on fintech start-ups, scale-ups, hubs, accelerators, VCs and funding worldwide.

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Expert opinions

Ivan Aleksandrov

Ivan Aleksandrov CSO | Core banking, BaaS, Fintech Advisory at Advapay

Fintech Startup Success: Key Considerations

Success with a fintech startup requires more than the usual business savvy and basic organisation. It takes strategic planning and data-driven decision-making to reach profit and sustainable growth. Advapay’s expertise in the fintech sector allows us to share these meaningful recommendations with you. The roadmap and the business structure you cho...

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How to Start a Window Installation and Repair Business | Step-by-Step Guide

Learn how to start a window installation and repair business with expert tips on licensing, tools, marketing, and finance. Build a profitable business today! Excerpt of How to Start a Window Installation and Repair Business Starting a window installation and repair business is a lucrative opportunity in the construction and home improvement industr...

/startups Business

Tom Rowe-Jones

Tom Rowe-Jones M&A Director at LAVA Advisory Partners

Budget Busting - Rising Employer Costs and What They Mean for Mergers and Acquisitions

The recent UK budget introduced a number of changes that will have real consequences for businesses and, therefore, their M&A strategies. From the rise in National Insurance contributions to increases in the National Living Wage (NLW) and adjustments to the Employment Allowance, these new financial pressures can affect the value of a business ...

/startups /markets Innovation in Financial Services

Ruoyu Xie

Ruoyu Xie Marketing Manager at Grand Compliance

Is Compliance Automation the Possible Solution to Europe Over-Regulation?

The Gloomy Outlook for the European Economy The EU economy is facing long-term troubles, a consensus recently echoed by the media and European politicians. Following GDP growth of just 0.3% in 2023, the EU’s annual GDP growth for 2024 continues to struggle between 0.2% and 0.4%, on the edge of a recession. Compared to the 2.5% GDP growth in the

/ai /startups Innovation in Financial Services

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Emerging Security Practices in Digital Finance

Digital finance is a risky area to operate in because of the evolving cyber threats. Prevention is the key here which can be boosted by knowing and implementing best security practices. Excerpt of Emerging Security Practices in Digital Finance The rapid evolution of digital finance has brought unprecedented convenience, but it also poses significa...

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Ivan Aleksandrov

Ivan Aleksandrov CSO | Core banking, BaaS, Fintech Advisory at Advapay

Fintech Startup Success: Key Considerations

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Research

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 

972 downloads

Future of Report

The Future of UK Fintech - 2015-2035

An IFGS Special Edition UK Fintech Week 2024 With UK Fintech Week's flagship event - Innovate Finance Global Summit (IFGS) - returning for its 10th anniversary, Finextra and Innovate Finance have partnered to publish this report, which acts as your go-to-guide to everything you need to know about financial services and technology in the UK. ‘The Future of UK Fintech: 2015 – 2035: An IFGS Special Edition’ includes commentary from the brightest and best across the fintech ecosystem, discussing and debating the crucial issues facing the sector now and in years to come. This includes key insights from industry experts from Cogo, EY, Konsentus, Marqeta, Standard Chartered Ventures, and Zopa Bank. Scoping out the next decade to come, this report explores the agenda topics below and more: The Next Decade of FS and Innovation: What Lies Ahead Fintech Beyond FS Borders: How Fintech is Impacting other Industries and Sectors UK and the World: Keeping our Crown while Learning from Others Transformative Technologies: Opportunities and Risks Users of Tomorrow: The Next Generation of Consumers The Shifting Ecosystem: Who Will Lead?

688 downloads

Report

Banking as a Service: Predictions for 2023

Cloud strategies are changing After the financial crisis of 2008, traditional lenders experienced a drop in revenue and new players successfully gained traction after offering products that had been in high demand and long expected from existing banks. This trend advanced after regulators across the world endorsed open banking initiatives, data requirements were standardised and in turn, financial players gradually opened up to technology. With the transparency that open banking provides, banks were encouraged to offer digital services, fair pricing, and increased security. Further, they are forced to utilise application programming interfaces (APIs) for seamless information exchange between partners. This trend has since evolved: with open finance, APIs can facilitate the interchange of data, products and services in an attempt to improve customer experience, offer greater choice, and control over their finances. In 2020, the financial services industry - particularly banks - implemented emerging technologies to accelerate innovation across the infrastructure of core functions in real-time, and underlying trends that were previously being considered were utilised in weeks, rather than months or years. The coronavirus has led to relationships with consumers being reimagined and relationships with ecosystem partners being redefined; this also resulted in products and services being reconsidered. Technology providers are no longer just technology vendors: startups, scaleups and even unicorns are now viable collaborators for financial institutions. In this post-lockdown era, banks are tapping into this partnership model to enhance their digital transformation to keep pace with customer requirements and avoid being disrupted by newer, more technology-savvy, entrants. When banks work with technology companies, APIs can be built with a number of microservices that can communicate and connect with these third parties, building upon open finance solutions on cloud-based platforms. This allows financial institutions to scale on demand, pay for only what is consumed, and expand serverless architectures. Financial institutions are no longer considering the cloud – the cloud is necessary for how finance works today. An emerging yet burgeoning trend that will continue to evolve and grow in 2023 – banking as a service (BaaS) - offers a new route to market for banks and empowers them to attract new, niche customers by leveraging the cloud. BaaS also allows non-financial companies to push out financial products where and when they are needed, direct to their customers with minimal investment and with the benefit of cloud-based, pay-as-you-go pricing. This Finextra impact study, produced in association with i-exceed, explores how financial institutions and technology providers can collaborate to deploy mobile and web-based banking solutions at a faster rate.

1002 downloads

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FinextraTV

Ecological Risk as Commercial Risk: How Can Financial Services Go Further and Faster?

Join FinextraTV as Dr Nina Seega, Director, Centre for Sustainable Finance, University of Cambridge Institute for Sustainability Leadership, discusses sustainability should be part of every financial decision and how the financial system should be altered so that participants can invest, finance, and insure into the Sustainable Development Goals. With education and research, the conversation explores how the impact-led institute within the University of Cambridge currently works with over 50 large financial institutions to embed climate, nature and social into financial decision making, ensuring the system is much more effective in order to finance what we need most in our lives = nature, ecosystem services and climate solutions.

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Long reads

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

How can fintechs ensure further profitability amid macro-economic challenges?

Funding for startups and fintech has fallen to a low point since its peak in 2021. Yet, many companies with a more solid base are looking at how they can expand further and create more profitability in a challenging macroeconomic environment. Q1 2024 saw only 904 deals and $7.3 billion in fintech funding, which was the worst performing quarter sinc...

Vladimir Krasik

Vladimir Krasik Global Head of Internal Treasury at Revolut

How can fintechs use high interest rates to navigate capital markets?

The rising interest rate cycle of the last two years has been accompanied by the deterioration of capital market conditions, adversely affecting most fintech start-ups. Investors discounted valuations, making raising new equity capital significantly more challenging compared to the era of zero-cost money. Simultaneously, for operational start-ups t...

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

What will UK fintech look like in 2035?

Huge growth across the UK fintech industry over the last decade has been driven by a combination of factors, namely support from the UK government and regulators such as the Financial Conduct Authority (FCA). Because of this, the development between 2025 and 2035 will unsurprisingly be substantial. This is an extract from the recently published re...