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Banking Strategy, Digital and Transformation

Latest thinking in respect to Banking Strategy, Digital and Transformation. Harnessing our collective wisdom to make banking better. Ambrish Parmar

Joris Lochy

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

Conway’s Law in Financial Services: The Silent Force Behind IT Complexity

In many financial institutions, architecture teams serve as central advisory units, overseeing multiple projects and defining architectural standards. These teams often include various specialists—enterprise, solution, integration, and security architects—each responsible for reviewing, amending, and validating proposed solutions. However, this l

/people /devops

Joris Lochy

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

Account Portability in Banking: Complex, But Not Impossible

In the telecom world, number portability has long been a reality. You can switch mobile providers without losing your phone number — a change that radically transformed the industry. It made switching carriers seamless, eliminating the hassle of informing contacts about a new number. This one innovation significantly boosted customer mobility and

/payments /predictions

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

How Gen AI and Automation Can Help Banks Absorb Chargeback Surge

Chargeback requests have been a feature of retail banking for years but in the last 12 months there has been a tidal surge of customer requests. Research firm, Datos Insights, discovered customers disputed $11 billion worth of charges in the U.S. in 2023 alone, with this forecast to rise 40% by 2026. Other countries are seeing similar sharp increa...

/payments

John Bertrand

John Bertrand MD at Tec 8 Limited

Technology Highlights the Future of Retail and Payments Industries

The technology on show at the Retail Technology Show at Excel, London is a glimpse of the future for the retail and payment industries. Both industries channels have similar expressions of crime being out of control. Shoplifting, online scams and payment fraud particularly Authorised Push Payment (APP) being highlighted. The British Retail Consor...

/payments /retail

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

The Silent Risk in Fintech: Staying Ahead of Technical Debt and Compliance Challenges

In today’s high-stakes digital environment, financial institutions and fintech innovators are under constant pressure to deliver secure, compliant, and seamless experiences—without slowing down innovation. From digital banks and payment platforms to investment and personal finance apps, the margin for error is razor-thin. A single overlooked vulne...

/payments /retail

John Bertrand

John Bertrand MD at Tec 8 Limited

Payment System Regulator (PSR) Pioneer work on Instant Payment Scams

Why PS24/7 Faster Payments APP scams reimbursement is needed From 2017 to 2023 Bank/PSPs retained £1.7 billion, an average of £240 million a year of money dishonestly taken out of bank accounts. The holder of the bank account was held liable and could not reclaim their money. Over a million cases reported were reported and a further 40% went unr...

/payments /regulation

John Bertrand

John Bertrand MD at Tec 8 Limited

International Instant Payment Platforms must be data ready

The cross-border payments are one of the fastest growing transactions in the world. In 2017 the value moved was $150 trillion and by 2027 is expected to reach $250 trillion. This growth in volume is accompanied by a dramatic shortening of payment delivery from at least 24 hours to instant. International Payments are starting to move off the 19th C...

/payments /markets

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

8 Payments Trends You'll See in 2025 (And What to Do About Them)

The payments landscape is rapidly evolving, and 2025 promises to bring significant advancements in how businesses and consumers interact with financial technology. As innovation accelerates, organizations must stay ahead of these changes to remain competitive. In this article, we explore the top payment trends shaping 2025 and how businesses can pr...

/payments /retail

John Bertrand

John Bertrand MD at Tec 8 Limited

Instant Payment Fraud: Consumer/Business Trends in the UK, US, and EU

In the UK, H1 2024, £570 ($720) million was stolen in payment fraud of which Authorised Push Payments) Payor to Payee bank accounts accounted for 30%. From 2020 to 2023 £1.4 ($1.8) billion has been scammed from customer bank accounts. Fraud accounts for 40% of all crime in England and Wales. In the US, traditional payment fraud totals $4 with onli...

/payments /regulation

John Bertrand

John Bertrand MD at Tec 8 Limited

Growing Sophistication of Payment Fraud: Business & Personal Sectors Need Different Solutions

As we navigate through 2024, a concerning trend is emerging in the payment fraud landscape: while case volumes are declining, the financial impact per case is intensifying. This paradox reveals a sophisticated evolution in fraudster tactics that demands our attention - and different approaches for personal and business sectors. The Numbers Tell a ...

/payments /identity

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