Retired Member - Community Author: Finextra Research

Fintech trends for 2022: expect regulation, innovation, and collaboration

As we head full speed into 2022, the digital world, crypto-assets and fintech are set to dominate commercial spheres. This article by Freddie Delmotte trainee associate at international law firm Bird & Bird outlines some predictions of the biggest fintech trends businesses should watch out for in 2022. The past few years have seen major disru...

14 February 2022 /regulation

5 factors driving payments change in Europe in the year ahead

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5 factors driving payments change in Europe in the year ahead

Covid taught us to get digital, quick, and the payments industry has responded fast. Now, as we look ahead, it’s a good time to take stock and think about some of the wider political discussions that are likely to dominate in 2022, as well as some of the new regulations being shaped that will impact the European payments industry going forward. Ce...

09 February 2022 /predictions

Mobile financial super apps – what’s your strategy and how are you applying security?

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Mobile financial super apps – what’s your strategy and how are you applying security?

Prior to the onset of Covid-19, mobile apps were already the touchpoint of choice for millions of banking customers worldwide. The pandemic has only amplified this trend toward digital banking on the mobile device. To meet consumer demands and stay competitive, financial institutions, neobanks, and fintech companies are increasingly offering more ...

08 February 2022 /retail

Key legal considerations in use of portfolio company data

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Key legal considerations in use of portfolio company data

This article was co-authored by Elizabeth Raymond (partner) and Matthew Marvin (associate) at Mayer Brown LLP. This is the final article in a three-part series from Mayer Brown on digital transformation and its impacts on financial institutions. With the rapidly increasing cost-effectiveness of machine learning and other data analytic tools, priva...

03 February 2022 /regulation

Implications of Central Bank Digital Currencies on Cash Management

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Implications of Central Bank Digital Currencies on Cash Management

Just when we all thought that cash management could not get any more complex central banks have begun introducing a new type of money – Central Bank Digital Currencies (CBDCs). This is an extract from The Future of Digital Banking in Asia 2022 report. CBDCs are a form of electronic money issued by a central banks like the Monetary Authority of Sin...

01 February 2022 /crypto

Measuring, standardising, and actioning ESG should be a boardroom priority

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Measuring, standardising, and actioning ESG should be a boardroom priority

Effective data management is the key to minimising climate impact – and measuring progress. The case for climate-focused finance has never been clearer. Business leaders are facing more pressure than ever before to step up their organisations’ green efforts and help protect the planet for future generations. It is obvious that shifting the economy ...

25 January 2022 /sustainable

BaaS: an opportunity that cannot be ignored

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BaaS: an opportunity that cannot be ignored

Banks have become accustomed to hearing about potential threats and opportunities from fintech, big tech and digital challengers. Payments and lending have experienced noticeable fintech disruption however, other areas of banking have remained relatively untouched. The scale of disruption from fintechs has been hard to define, and increasingly ban...

18 January 2022 /predictions

Addressing the IP pitfalls in data monetisation projects

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Addressing the IP pitfalls in data monetisation projects

This article was co-authored by Richard Assmus (partner), Oliver Yaros (partner) and Reece Randall (associate) of Mayer Brown LLP. This article is the first in a three-part series from Mayer Brown on digital transformation and its impacts on financial institutions. 1. Introduction and summary It is often said that data is the “lifebloo...

05 January 2022 /regulation

The Marco Polo Payment Commitment moves trade finance closer to its digital future

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The Marco Polo Payment Commitment moves trade finance closer to its digital future

Digitalisation has long been regarded as the next step forward for trade finance, but the widespread adoption of technological solutions to move from paper to data has so far proven elusive. Angela Koll, Senior Business Expert for Trade and Supply Chain Finance at Commerzbank, explains why the Marco Polo Payment Commitment may well represent a dep...

08 December 2021 /wholesale

Digital payments will continue to thrive in 2022, but who will win the competition?

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Digital payments will continue to thrive in 2022, but who will win the competition?

This year sees a rise in the use of digital payments following the pandemic as well as the growing utilisation of digital wallets by millennials and generation Z. Given the key role digitisation plays in people’s lives, accelerated by the Covid-19 pandemic, it is undeniable that payments will continue to become increasingly cashless and digital pa...

03 December 2021 /predictions

Banking as a Service requires an ‘outside-in’ approach

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Banking as a Service requires an ‘outside-in’ approach

A mindset shift is permeating the banking sector. Historically, banks were closed shops, focused on selling an ever-wider range of their own products and services in order to increase revenue and growth. No more. Finastra’s Financial Services State of the Nation Survey 2021 found that 94% of financial institutions agree that Open Banking is a must...

30 November 2021 /predictions

Sustainable finance: how can banks and fintechs make greener customer decisions?

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Sustainable finance: how can banks and fintechs make greener customer decisions?

Consumers and regulators are increasingly looking for organisations to reduce their social and environmental footprints. Now banks and fintechs must ask themselves what they can do to help. COP26 shouldn’t be the motivator, but it might just provide the high profile prompt for some to make necessary change. Earlier this year Rishi Sunak gave clear...

02 November 2021 /sustainable

Long reads