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Michelle Price

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...

/payments

Madhvi Sonia

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 ...

/payments

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

How will new regulation impact US payments innovation?

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. While rules and regulations are the bedrock of financial services and payments, organisations across the US digital payments landscape must prioritise innovation, transaction quality, opportunity and financial reward at the same time as compliance in order to remain ...

/regulation

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

New treasury pro survey shows fraud's penetration into US financial services

There’s hope in them thar hills… or, at least, with some of the responses showing dips among several new peaks in one of the US financial service arena’s largest and longest running annual payments fraud surveys. These insights from treasury colleagues across the country might not be worth their weight in gold. In fact, though the results include m...

/security

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

What new technologies are redefining US payments?

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. New technologies are transforming the way transactions are initiated, processed, and settled and at the same time, challenging what the US knows of their payment infrastructure today. Real-time processing is now converging with programmability, cryptographic security...

/payments

Miriam Sheril

Miriam Sheril U.S Head of Product at Form3

US digital payments: How are new and traditional payments rails merging?

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. It’s been an exciting few years watching the launch and take off of instant payments in the US after many years of discussions about the US being ‘behind’. With the start of RTP in 2016 and the introduction of FedNow in 2023, the infrastructure is now in place to tru...

/people

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

How RTP and FedNow are evolving faster payments through interoperability and innovation

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. What RTP and FedNow have achieved mark significant inflection points in US payments infrastructure. By engineering instant movement of money, they have allowed a new range of financial products, embedded experiences, and business models to emerge. As adoption of fast...

/payments

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Global fraud challenges and strategies to combat them

Nacha event Smarter Faster Payments in New Orleans set aside an hour to discuss the importance of collaboration among financial institutions and regulators, the role of data sharing in improving fraud detection, and the need for robust fraud controls. This global panel highlighted South Africa’s fraud journey, that has focused on prevention, detec...

/crime

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What UK Chancellor Rachel Reeves’s US cryptoasset collaboration means

At the Innovate Finance Global Summit (IFGS) 2025, UK Chancellor of the Exchequer Rachel Reeves took the stage to speak on the Government’s commitment to supporting and advancing the fintech sector. Reeves discussed UK-US collaboration on fostering an environment primed for digital asset development, new additions to the Pensions Schemes Bill, and ...

/crypto

Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Trump’s first 100 days: Have his accomplishments matched his promises?

While many news organisations are taking wider views of the situation, we chose to narrow our focus to financial services industry impacts as much as possible in this view on US President Trump’s first 100 days. We explored, through extensive research across a wide political and economic spectrum, how well his pre-election promises reflect the tar...

/markets

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

How collaborative efforts will advance regtech and AI use in financial regulation

The Innovate Finance Global Summit (IFGS) 2025 held in the historic Guildhall in London, kicked off with opening remarks from Tim Levene, Alderman, City of London Corporation and CEO, Augentum Fintech and Janine Hirt, CEO of Innovate Finance. Levene and Hirt both highlighted the UK’s leadership in fintech, and how amid global political and economic...

/startups

Henna Cheema

Henna Cheema Researcher at Finextra

Examining challenges and opportunities in the 2025 Nordic financial landscape

Finextra’s latest survey report, which included responses from 150 financial services professionals across Denmark, Finland, Iceland, Norway, and Sweden, highlights how firms are navigating the current landscape and their strategic priorities for 2025. Conducted between 5–21 March 2025, the survey captured insights from C-level executives to mana...

/payments