Payments - Long Reads, News, Articles & Research: Finextra

Why are orchestration tools essential within today’s payments arena?

Madhvi Sonia Head of Content at Finextra

Why are orchestration tools essential within today’s payments arena?

Be it small e-commerce firms, sprawling corporations, or financial institutions within open finance contexts, organisations of all stripes must at some point face the challenge of uniting innumerable payment service providers (PSPs) within a secure and seamless payments ecosystem. The most effective way to do this is by deploying orchestration too...

26 August 2025 /payments

What SoftBank’s PayPay IPO float means for embedded finance in Japan

Madhvi Sonia Head of Content at Finextra

What SoftBank’s PayPay IPO float means for embedded finance in Japan

Last week Reuters reported that SoftBank has picked investment banks Goldman Sachs, JP Morgan Chase, Mizuho and Morgan Stanley to support a potential US IPO for its Japanese payments app operator, PayPay. In what could be as early as Q4’25, PayPay could raise over $2 billion from investors, but timing and the amount are subject to market conditio...

11 August 2025 /payments

The changing face of international payments

Manish Kohli Head of Global Payments Solutions at HSBC

The changing face of international payments

By 2030, the global payments landscape is set to undergo a profound transformation. At the heart of this shift will be real-time processing, enhanced cross-border interoperability, and a growth in blockchain-based innovations – all driving forward a smarter, faster and more connected global financial system. This transformation is being driven by ...

07 August 2025 /payments

The top payments stories you missed in July 2025

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in July 2025

Catch up on Finextra’s most-read Payments stories from last month. Australian banks launch nationwide Confirmation of Payee scheme Confirmation of Payee (CoP) has officially arrived in Australia, with Australian banks having started the roll-out of the nationwide scheme early in July. Even though Australia is one of the only countries where scam lo...

01 August 2025 /payments

FedNow upgrade introduces more risk controls, but will financial institutions hit “send”?

David Payne SVP, Payments Risk & Compliance at Southern Financial Exchange

FedNow upgrade introduces more risk controls, but will financial institutions hit “send”?

The FedNow® Service recently celebrated its second anniversary with around 1,400 participating financial institutions (FIs) across all 50 states. To mark this milestone, the Fed announced the addition of a new account threshold feature that allows financial institutions to enhance risk mitigation by adjusting value and transaction levels based on ...

31 July 2025 /payments

Hamish Monk Senior Reporter at Finextra

What are embedded payments?

Embedded payments are a type of embedded finance, whereby financial services are extended within non-financial contexts. In such a scenario, the business-to-customer (B2C) firm stands as an intermediary between the customer and the financial institution (FI) – meaning the bank is (superficially) removed from the banking process. While this is not...

22 July 2025 /payments

Why 65% of the banking industry is not fully prepared for DORA: Key Insights from NextGen Nordics

Henna Cheema Researcher at Finextra

Why 65% of the banking industry is not fully prepared for DORA: Key Insights from NextGen Nordics

Set against the dynamic backdrop of the Nordic financial landscape, the NextGen Nordics 2025 event in Stockholm, Sweden on 29 April 2025 featured key findings from Finextra’s latest survey, highlighting the Nordic community’s concerns and aspirations. Real time data gathered from interactive audience polls throughout the event offered live insight...

20 June 2025 /payments

Payments modernisation: How banks can leverage partnerships to scale up

Sehrish Alikhan Reporter at Finextra

Payments modernisation: How banks can leverage partnerships to scale up

As digital-first banks and neobanks take the lead in the global payments space, traditional financial institutions are looking to evolve. To keep up with the rapid pace of the industry, banks need to be in a constant stage of evolution. How can legacy banks modernise, and what tools are available to support them in their digital transformation jou...

16 June 2025 /payments

What happens when money thinks for itself?

Hamish Monk Senior Reporter at Finextra

What happens when money thinks for itself?

This is an excerpt from The Future of European Fintech 2025: A Money20/20 Special Edition. The evolution of financial technology is characterised by increasing levels of simplicity, efficiency, and integration. We saw this in 2016, when Europe’s second Payment Services Directive (PSD2) encouraged financial institutions to open up their data and i...

04 June 2025 /payments

4 ways payment providers are transforming customer experience

Julie Bolan Head of Payments Markets Oceania at SWIFT

4 ways payment providers are transforming customer experience

Today’s customers expect cross-border payments to come with the same convenience, transparency and predictability as domestic payments. Julie Bolan, head of payments, APAC, at Swift, outlines four ways that payment providers are rising to this challenge. Cross-border payments are an essential component of international trade. But they’re usually m

15 May 2025 /payments

Michelle Price Senior Consultant at PSE Consulting

A future without cash? Not so fast

Although digital payments are on the rise, cash continues to play a key role in everyday life, particularly for those who rely on it for financial control and security. While the use of cash is steadily declining in many countries, its significance has not diminished—especially for individuals managing tight budgets or preparing for unforeseen eme...

13 May 2025 /payments

Confronting cyber-fraud and risk strategies in US payments

Madhvi Sonia Head of Content at Finextra

Confronting cyber-fraud and risk strategies in US payments

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. Kinexys by J.P. Morgan’s Gloria Wan referenced the Trustpair US Fraud Survey Report in conversation with Finextra, and mentioned that 90% of US companies experienced cyber fraud in 2024. Nearly half (47%) of US companies also suffered a loss of over $10 million. Wan ...

12 May 2025 /payments

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