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Sara Costantini

Regional Director for the UK and Ireland
CRIF
Member since
06 Sep 2022
Location
London
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Followed by John Sims, Martha Boyle and 5 others you follow
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Sara's opinions

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Sara Costantini

Looking ahead to the next chapter of the UK’s open banking story

It’s hard to believe that it’s been seven years since the Second Payment Services Directive (PSD2) was implemented in the UK. While the name isn’t exactly attention-grabbing, the impact it has had specifically in relation to open banking is significant. According to the latest figures, open banking now has 11.7 million users who are making 22.1 mi...

31 March 2025 Open Banking

Sara Costantini

What can the lessons from 2024 teach us about banking in 2025?

With the continued growth of AI and other new technologies, and shifting customer attitudes, 2024 was another year of major change for banks. With this in mind, there is much to take on board from the past year. From helping with debt, to better meeting expectations on sustainability and data protection, these are some of the key findings from our ...

20 January 2025 /retail Banking

Sara Costantini

Financial providers must enhance their digital offerings without neglecting the personal touch

As services across our lives have become increasingly instant, it is logical that these expectations now extend to services with banks, insurers and other financial providers. When they engage with their financial providers, customers quite reasonably expect these interactions to be fast and convenient, with minimal delays in both processing appli...

13 December 2024 /retail

Sara Costantini

ESG expectations on banks and insurers are higher than ever - failing to meet them poses major risks

Climate change is undoubtedly the biggest challenge of our era, and the decisions we take now will impact the lives of generations to come. In November, world leaders will meet for COP 29 to further global cooperation on reducing rising temperatures. While initiatives across governments and industries will be critical, it's understandable that indi...

04 November 2024 /sustainable

Sara Costantini

Open banking: Are Brits still too sceptical or is bank communication the key to increasing uptake?

There is reason for cautious optimism when it comes to people’s personal finances at the moment. Inflation in the UK is beginning to ease, with similar pictures in the US and a number of other European economies. This has obviously not been the case in recent years. During these difficult times, we’ve seen consumers across Europe turn to their bank...

13 September 2024 /retail

Sara Costantini

How can technology help the UK’s financial institutions meet their sustainability goals?

At the end of last year’s COP28 summit in Dubai, the EU and world leaders committed to transitioning away from fossil fuels - the main driver of climate change - and reducing global emissions by 43% by 2030. As we settle into the new year, attention must now swiftly turn to how this landmark agreement can be turned into reality and what individual ...

19 February 2024

Sara Costantini

Fraud is damaging the insurance sector’s reputation, but insurtechs are helping with the fightback

I would consider insurance services as being the core safety net that the financial services sector has to offer society. Particularly in the context of the current cost of living crisis, the insurance industry has a more important role to play than ever. If a person suffers an accident, injury or loss, and they’re not covered by insurance, they c...

13 November 2023

Sara Costantini

How the fintech industry can boost UK economic growth by helping SMEs

Technological innovation is a main driver for progress. From the creation of the printing press, which fostered the development of skills, knowledge, and innovation, to the advent of industry 2.0, which opened new sectors and improved communication, record-keeping, and global access to information, technological growth goes hand in hand with econo...

04 April 2023

Sara Costantini

Open banking five years on: how close are we to achieving open finance?

Since the introduction of PSD2 five years ago, open banking has changed the game for the financial services industry. By enabling users to securely share their financial data with third-party providers, it has opened a host of possibilities for new, innovative financial products and services that better meet the needs of consumers and businesses. ...

18 January 2023

Sara Costantini

From fintechs to major financial institutions – we all have a role in fighting fraud

At this time of year, many of us will be out getting gifts for loved ones and buying in food to host families and friends for the Christmas period Spending always spikes in the holiday time and in the digital age it’s never been easier to part with your money, with the tap of a card or speedily entering your bank details online. But it’s also ea...

24 November 2022 /inclusion /crime Open Banking

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Sara writes about

  • retail banking
  • sustainable
  • financial inclusion
  • financial crime

Sara's opinion archive

  • 2025 (2)
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