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Franklin Manchester

Franklin Manchester Principal Global Insurance Strategic Advisor at SAS

2025 (almost) in review: For the insurance industry, the future got here early

In November 2024, SAS and the Economist published a briefing that examined four possible futures for the insurance industry, highlighting the obstacles, the opportunities, and especially the global events that may shape the world of 2040. While not intended to predict outcomes, the scenario analysis centered around two dynamics: global cooperation...

/ai

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

Why Finance Professionals Are Turning to an Online Accounting Degree in the Fintech Era

The finance industry is in the midst of one of the most profound shifts in decades. With fintech solutions reshaping everything from payments to wealth management, the traditional boundaries of accounting are being redrawn. Professionals who once relied solely on conventional practices now face a competitive landscape where digital literacy, data ...

/inclusion

Nirmal Raj

Nirmal Raj Marketing Specialist at Cheqly

Understanding Audited Financial Statements: What to Include

More than just paperwork, audited financial reports show that the numbers for your business add up. Knowing what goes into an audited statement and why it matters can help you gain confidence with investors, lenders, and other key decision-makers, whether you operate a startup or oversee a developing company. In this guide, we’ll walk through what...

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

How does innovation happen?

When we roll-out e-banking starting in 1982 at Union Bank of Finland I used to claim that innovation happens when the next customer takes it in use – on the way to a critical mass of users. Otherwise it will stay as an invention. The key to our success was that - then a wide network of branches - competed with personal selling – pushing e-banking ...

/retail /inclusion Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Identity is far more than identification

There is still a need to paint the full picture. How identity is built with a long range of verifiable credentials. Often - but not in all cases - starting with an identification credential. 🔹 Identification Identification is the act of proving who you or your company/employer are — typically at a specific point in time. It’s tran

/ai /identity Artificial Intelligence and Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

It does not have to be an uphill struggle..

It does not have to be an uphill struggle There’s a lot of scepticism around the claim that data flows – between organisation and citizen wallets – will make life and business dramatically easier. People worry that user experience will be poor, that regulation – especially in EU - will complicate things further, and that older citizens will simply ...

/ai /identity Innovation in Financial Services

Carlos Marmolejo

Carlos Marmolejo CEO and co-founder at Finsus

Can digital banking help solve financial inclusion challenges in Mexico?

Financial exclusion remains one of Mexico’s biggest barriers to economic growth. Mexico has a population of over 130 million, yet credit to SMEs represents less than 7% of GDP, compared to over 25–30% in countries like Brazil and Chile. This gap keeps millions of entrepreneurs reliant on cash and left out of the formal banking system. The country b...

/people /inclusion

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

Stablecoins Already Winning in Cross-Border Payments, Exec Says

Stablecoins have been described as the future of cross-border payments. Compared to regular bank transactions, they are faster and reduce costly payment delays. Although government agencies and traditional finance institutions continue to debate their viability, stablecoins are slowly becoming the modern alternative to traditional cross-border pay...

Ben O'Brien

Ben O'Brien Managing Director at Jaywing

IFRS 9 ECL: What the PRA’s latest feedback means for Boards

The Prudential Regulation Authority’s (PRA) latest feedback on IFRS 9 will shape the relationship between firms, regulators, and the wider market for years ahead. In its September 2025 letter, the PRA emphasises that it expects more than compliance. Boards must now show active oversight and strategic leadership. That means leading on risk modelling...

/regulation

Aaron Holmes

Aaron Holmes CEO at Kani Payments

The Payments Journey: From Complexity to Clarity

When I first entered the payments space nearly two decades ago, reconciliation was seen as a manual slog filled with pain points. Back then, teams spent countless hours buried in spreadsheets, trying to trace transactions, spot mismatches and make sense of what should be a straightforward process. While technology has moved on, the core issues st...

/payments /regulation

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