Latest opinions that Francesco Fulcoli has shared on Finextra

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Francesco Fulcoli

Chief Compliance and Risk Officer

Flagstone

Member since

03 Oct 2023

Location

London

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Francesco's opinions

The PRA Proposes Raising FSCS Deposit Protection Limit to £110,000

On 31 March 2025, the Bank of England Prudential Regulation Authority (PRA) announced a significant proposal: raising the Financial Services Compensation Scheme (FSCS) deposit protection limit from the current £85,000 to £110,000. This move marks the first change in the limit since 2017 and reflects an effort to keep pace with inflation and evol...

01 April 2025 /regulation /retail Fintech

FCA Strategy 2025–2030: Deepening Trust, Rebalancing Risk, and Reshaping Financial Services

The Financial Conduct Authority (FCA) has just released its new five-year strategy, and it sets a bold, forward-thinking agenda for the UK’s financial sector. Rather than simply tightening rules or reacting to emerging risks, the FCA is seeking to reshape its role, from watchdog to enabler, from reactive to purposeful. The strategy is anchored in...

26 March 2025 /regulation /crime Fintech

FCA FS25/2: A Strategic Shift Toward Simplifying Financial Regulation Post-Consumer Duty

On 25 March 2025, the Financial Conduct Authority (FCA) published Feedback Statement FS25/2, which lays the groundwork for a multi-phase plan to simplify its regulatory framework following the implementation of the Consumer Duty. The initiative comes after widespread calls from firms and stakeholders to streamline the FCA’s rules, reduce unneces...

25 March 2025 /regulation /inclusion Fintech

Big Tech and Digital Wallets: Next Steps from the FCA and PSR Feedback Statement

The Financial Conduct Authority (FCA) and the Payment Systems Regulator PSR) have released their latest Feedback Statement (FS25/1) on Big Tech and digital wallets. This comprehensive document consolidates feedback received from stakeholders following their July 2024 Call for Information (CFI). It highlights the rapid adoption of digital wallets...

19 February 2025 /payments /regulation Fintech

FCA's 2025 Priorities for Payments Firms: What You Need to Know

The UK Financial Conduct Authority (FCA) has recently published its updated priorities for payments firms, providing crucial guidance on what is expected of Payment Institutions (PIs), Electronic Money Institutions (EMIs), and Registered Account Information Service Providers (RAISPs). These firms must align with the National Payments Vision, whi...

18 February 2025 /payments /regulation Fintech

Tackling Money Laundering Through Markets (MLTM) FCA Report – January 23, 2025

The Financial Conduct Authority (FCA) has published its updated review of money laundering through markets (MLTM), building on prior work such as the 2019 thematic review (TR19/4). This latest analysis outlines progress, persistent gaps, and new challenges in combating financial crime in capital markets. It also provides practical recommendation...

23 January 2025 /regulation /crime Fintech

The Public Sector Fraud Authority’s Guide to Enterprise Fraud Risk Assessments

The Enterprise Fraud Risk Assessment (Practice Note) has been developed by the Government Counter Fraud Profession (GCFP) Centre of Learning, operating out of the Public Sector Fraud Authority. It was made public on the 13th of January 2025 to provide organizations with a robust framework for mitigating fraud risks and safeguarding resources. Fra...

20 January 2025 /regulation /crime Fintech

UK Government Unveils Comprehensive AI Opportunities Action Plan

On the 13 of January 2025 the UK government has launched an ambitious AI Opportunities Action Plan, presenting a detailed roadmap to position the nation as a global leader in artificial intelligence. Championed by Peter Kyle, Secretary of State for Science, Innovation, and Technology, the plan addresses the critical need for economic transformatio...

14 January 2025 /ai /regulation Fintech

Connecting eNPS and Performance Reviews: Building a 360° Feedback Culture

Achieving a balance between organizational health and individual performance is critical for long-term success. Two key tools that help organizations achieve this are the Employee Net Promoter Score (eNPS) and performance reviews. While these tools serve distinct purposes, their interaction offers powerful insights that can drive engagement, produ...

10 January 2025 /people /sustainable Fintech

Unmasking How Fraudsters Target UK Consumers in the Digital Age

Fraud is evolving at an alarming pace, leaving UK consumers vulnerable in a digitally interconnected world. The Payment Systems Regulator’s (PSR) latest report, Unmasking How Fraudsters Target UK Consumers in the Digital Age, shines a spotlight on the tactics fraudsters employ, their impact on consumer confidence, and the measures being implemente...

19 December 2024 /payments /crime Fintech

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