Níamh Curran - Community Author: Finextra Research

Click to Pay: How SaaS platforms ease card issuer implementation

The European payments landscape is evolving rapidly. Visa and Mastercard have launched their Click to Pay mandates, meaning it will be compulsory to integrate this technology for issuers. This will change depending on the country, but in 2025, Mastercard have a deadline of 24 January and Visa, 18 April. With these upcoming deadlines, and some alre...

07 January 2025 /payments

Which are the most impactful AI use cases for financial services?

Níamh Curran

Which are the most impactful AI use cases for financial services?

Artificial intelligence (AI) has quickly gone from being a far sighted fantasy to integral to the running of many industries, including financial services. Yet, for this to be a sustainable development, there needs to be some resistance to the large amounts of hype around AI. This is an excerpt from The Future of AI in Financial Services 2025 rep...

11 December 2024 /ai

How tokenisation can grow e-commerce in 2025

Níamh Curran

How tokenisation can grow e-commerce in 2025

Global retail e-commerce sales are forecast to grow to $6.8 trillion and capture 24% of global retail sales by 2028, according to Forrester. Within this increasingly digitalised economy, consumers are raising their expectations of what they want from a checkout experience. For merchants, cart abandonment due to an unsatisfactory checkout experience...

09 December 2024 /payments

Níamh Curran

What is a politically exposed person?

Politically exposed persons (PEPs) have been a big point of discussion in financial services throughout this year, with the Financial Conduct Authority (FCA) finding in July that financial firms need to be doing more to ensure that PEPs and their family members were being treated fairly. The regulator did not find any firms denying accounts to PEP...

02 December 2024 /regulation

Top 10 Klarna stories for 10 years of Klarna

Níamh Curran

Digital twins and the creepy consequences of data breaches

Data breaches are one of the scariest things we can encounter in real life. Receiving an email letting you know your personal information has been taken is much more frightening than the Necronomicon or the Babadook. Victims are left with a foreboding feeling of the unknown normally confined to horror films. Who has their information, and more impo...

31 October 2024 /identity

How personalisation in embedded finance is the next step for African fintech

Níamh Curran

How personalisation in embedded finance is the next step for African fintech

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Embedded finance looks primed for continued growth throughout Africa. As it does, there will be increasing opportunities for financial services to personalise their services and give users the best financial products for their needs. Personalisation is at the core of emb...

30 October 2024 /devops

Regulating Africa to encourage embedded finance innovation

Níamh Curran

Regulating Africa to encourage embedded finance innovation

This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Embedded finance has the potential to provide more Africans with financing which meets their specific needs, in a more direct fashion. However, it is imperative that this is done in a way which is safe and beneficial to all consumers. At the core of all financing options...

28 October 2024 /regulation

EU payments regulations: What to expect from 2025

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...

23 October 2024 /Sibos

Níamh Curran

6 social media scams to look out for

Social media firms have been under increased pressure to improve fraud monitoring due to scams originating on the platforms. This comes after Authorised Push Payment (APP) victim reimbursement scheme came into effect on 7 October. Payment Service Providers are required to reimburse victims of APP fraud up to £85,000, but some are arguing social me...

15 October 2024 /crime

What you need to know about APP reimbursement

Níamh Curran

What you need to know about APP reimbursement

Authorised Push Payment (APP) victim reimbursement scheme comes into effect today under rules from the Payment Systems Regulator (PSR). Payment service providers (PSPs) are now required to reimburse victims of APP fraud, up to £85,000, split evenly between the sending and receiving PSP. Reimbursement is likely great news for many consumers, howeve...

07 October 2024 /crime

AI validation and governance: How banks are securing their AI models

Níamh Curran

AI validation and governance: How banks are securing their AI models

Artificial intelligence (AI) and generative AI have become one of the largest topics in banking in the last two years. From OpenAI’s launch to the EU AI Act coming into effect, things are heating up. Banks are becoming more comfortable with the use cases AI is offering them, which means that ensuring AI models are being validated properly (doing wh...

25 September 2024 /ai

Long reads