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Confirmation of Payee five years on
Anuradha Raman

Anuradha Raman Product Owner at Pay.UK

Confirmation of Payee five years on

Five years ago, the UK's financial landscape underwent a profound transformation with the introduction of Confirmation of Payee (CoP) . The service was launched by Pay.UK in 2020 to reduce the number of misdirected payments by verifying the account details of the intended recipient before a payment is made. Having since also demonstrated its effec...

/Sibos

Why is regulation no longer a priority for US financial services?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Why is regulation no longer a priority for US financial services?

Financial regulation in the US is so yesterday’s news. Based on recent actions and/or comments from the Trump administration and the regulatory agencies assigned to measure and monitor a multitude of factors that surround and secure the country’s financial system, oversight of banks, savings institutions and credit unions (FIs) – and even emerging...

/Sibos

Consumer Duty: How to go beyond compliance
Hamish Monk

Hamish Monk Senior Reporter at Finextra

Consumer Duty: How to go beyond compliance

In force since 31 July 2023, the Financial Conduct Authority (FCA)’s Consumer Duty regulation was designed to improve financial services protections for consumers. Since the go-live date, firms have made numerous improvements, and better, fairer outcomes are being delivered to customers. Yet, there remains room for firms to improve, and to build...

/Sibos

How to choose a core banking provider
Hamish Monk

Hamish Monk Senior Reporter at Finextra

How to choose a core banking provider

In simple terms, core banking points to the technology platform a financial institution deploys to sustain its key processes. It can be thought of as a central nervous system, delivering – from the back end to the front – vital services, such as transactions, onboarding, account management, currency exchange, card issuance, financial accounting, ...

/Sibos

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?

When Standard Chartered introduced its ESG-linked account in August 2024, it wasn’t the first time the bank had turned its focus directly towards environmental and social issues in its product portfolio. In fact, the bank’s sustainable account - which offers clients access to their cash while investing the surplus to support United Nations Sustai...

/Sibos

AI, CBDC, and stablecoins: Trending tech in the payments sector
Dominique Dierks

Dominique Dierks Senior Content Manager at Finextra

AI, CBDC, and stablecoins: Trending tech in the payments sector

This is an excerpt from the Future of Payments 2025 report. Never has technology evolved as quickly as it does today, and innovation is ripe in finance and banking. AI, tokenisation, stablecoins, CBDCs and hyper-personalisation are all elements of discussion when it comes to making transactions more secure, streamline operations, reduce costs an...

/Sibos

Tools for banks’ continued digitalisation journeys
Hamish Monk

Hamish Monk Senior Reporter at Finextra

Tools for banks’ continued digitalisation journeys

This is an excerpt from the Future of Payments 2025 report. Financial institutions need to transform their entire business and operating model to achieve bespoke, modular digital solutions and improve profitability. So, how can open banking and embedded finance help with this goal? And which hurdles remain? Annalisa Ludwinski, head of corresponden...

/Sibos

EU payments regulations: What to expect from 2025
Níamh Curran

Níamh Curran

EU payments regulations: What to expect from 2025

This is an excerpt from the Future of Payments 2025 report. There are a plethora of new EU regulations and directives on the horizon. Many of these will require banks and financial institutions to start making (or really have already started to make) big changes. Many will be aware of the impact PSD3 many have, and despite the timeline for this no...

/Sibos

Correspondent banking and cross border payments need modernisation
Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Correspondent banking and cross border payments need modernisation

This is an excerpt from the Future of Payments 2025 report. The decline in the number of correspondent banking relationships globally has been widely noted, leaving many communities who rely on it for cross-border payments without many other choices. This is in part because of a heightened focus on high-risk jurisdictions, which is known as de-ris...

/Sibos

Instant payments will change the payments landscape in 2025
Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Instant payments will change the payments landscape in 2025

This is an excerpt from the Future of Payments 2025 report. Will the future of payments be digital, instant and profitable? What is for certain in 2025 is that the payments industry will increasingly become complex and multi-faceted due to the sheer number of players entering the market. New rails will be leveraged to settle a growing number of p...

/Sibos

Embedded finance: Encouraging African financial inclusion
Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Embedded finance: Encouraging African financial inclusion

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Africa is leading the world in growing mobile banking and embedded finance solutions. The growth in technology hubs in African nations has led to mass adoption of digital banking apps and high mobile penetration among the population. With more digital adoption in African...

/Sibos

Dubai and Abu Dhabi crypto firms: Regulatory pitfalls to avoid with EU or UK clients
Retired Member

Retired Member

Dubai and Abu Dhabi crypto firms: Regulatory pitfalls to avoid with EU or UK clients

This piece was coauthored by Vlad Maly and Renate Prinz, partners at McDermott, Will & Emery. Continuing developments in the crypto regulatory sphere have significantly increased the attractiveness of Dubai and Abu Dhabi for crypto firms with global ambitions. Firms should remember, however, that they may also need to comply with the EU or UK ...

/Sibos

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