Latest long reads: Finextra Research

How can BNPLs weather the economic downturn without sacrificing growth and increasing their exposure

This piece was co-authored by Max Wolke, head of strategy, and Christian Mangold, CEO, Fraugster. Calls about the demise of BNPL (Buy Now Pay Later) are premature, even if economic headwinds, poor performance on a number of key metrics, stricter regulation and Apple’s entrance into the space should be a cause for concern for established brands. It...

29 June 2022 /payments

Regular vs lump-sum investing: Which is right for you?

Marco Mottadelli Head of Global Brokerage at Fineco Bank

Regular vs lump-sum investing: Which is right for you?

Choosing whether to invest larger sums infrequently, or smaller sums frequently, may not seem like an important decision, but each approach can lead to profoundly different results. There are two main routes into financial markets. Investors can drop in large sums in one go or they can drip feed money into the market via regular savings. Few people...

28 June 2022 /wealth

Benefits for parents working in fintech – what’s on offer?

Amanda Kavanagh Contributor at Jobbio

Benefits for parents working in fintech – what’s on offer?

Parents all over the world are familiar with the concept of working like you have no kids, and parenting like you have no job. But things are changing. Modern companies, like those in fintech, are prioritising benefits for parents and carers, and employees are becoming more informed on what to ask for. From a day-to-day point of view, having a fle...

24 June 2022 /people

Stephen Elam Partner at Cooke Young & Keidan

When Smart Contracts Go Wrong

This article was co-authored by Stephen Elam, partner, and Elizabeth Meade, senior associate, Cooke Young and Keidan LLP. What is a smart contract? Smart contracts are computer code that automatically run when certain conditions are met, thereby executing all or parts of an agreement. Their use is widespread use in transactions on cryptocurrency ex...

23 June 2022 /regulation

The Westminster Series: What to expect from the UK's BNPL regulation

Chris Holmes Peer at House of Lords

The Westminster Series: What to expect from the UK's BNPL regulation

This week the government has published plans to strengthen regulation of the Buy Now Pay Later (BNPL) market. Key proposals have been set out in an HMT Consultation response, lenders will be required to carry out affordability checks and financial promotion rules will be amended to ensure BNPL advertisements are “fair, clear, and not misleading”. ...

22 June 2022 /regulation

Creating a boundaryless experience: Maximising value for all stakeholders

Hamish Monk Senior Reporter at Finextra

Creating a boundaryless experience: Maximising value for all stakeholders

For too long, financial players have focused on simply selling better products or services than their competitors. This approach fails to acknowledge the unique and multifarious needs of individual customers. With the xTech revolution and the emergence of embedded finance, boundaries between industries – and sometimes competitors – are beginning to...

21 June 2022 /devops

The Future of Payments: New means of customer authentication

Hamish Monk Senior Reporter at Finextra

The Future of Payments: New means of customer authentication

This is an excerpt from Finextra’s report, ‘The Future of Payments 2022: The Cutting Edge of Digital Payments.’ With the rising cost of living, and the squeeze on finances anticipated in the coming months and years, fraudsters are going to double down on their attempts to extract more money out of consumers. Unfortunately, it is the most vulnerable...

20 June 2022 /payments

Diversity and inclusion: Are you working for an industry leader?

Retired Member

Diversity and inclusion: Are you working for an industry leader?

The Diversity and Inclusion movement (D&I) has become a powerful agent of change in the workplace over the last ten years. Thanks to campaigns such as Black Lives Matter and #MeToo, honest and, in some cases, transformative conversations around workplace diversity, equity, equality, and inclusion are now an essential part of the tapestry of ou...

16 June 2022 /people

SME banking and cross border payments: how banks can win back market share

Andrew Frost Customer Success Manager at Form3 Financial Cloud

SME banking and cross border payments: how banks can win back market share

Even in 2022, online lenders continue to gain ground over traditional banks. Time is of the essence for small to medium sized enterprises (SMEs) because they need capital to flourish and would rather operate with a digital lender and in doing so, pay a higher rate for a quicker turnaround. While traditional lenders may offer a better interest rate...

15 June 2022 /payments

Sustainable finance, data, and technology: The way forward for a climate resilient future

Hamish Monk Senior Reporter at Finextra

Sustainable finance, data, and technology: The way forward for a climate resilient future

Financial institutions around the globe are increasingly responding to stakeholder demands on sustainability and environmental, social and governance (ESG) actions by articulating a corporate purpose and explaining how that purpose will drive their decision making. Sustainability within the context of banking and financial services manifests in tw...

14 June 2022 /sustainable

Money 20/20 EU: The benefits of embedded finance for business

Steve Whiting VP Financial Services at Soldo

Money 20/20 EU: The benefits of embedded finance for business

Every day, perhaps without even realising it, most of us already use embedded finance. From ordering coffee via an app to booking a taxi with our phone, embedded finance has completely transformed the consumer payment process. But many businesses are yet to integrate a financial solution into their own infrastructure, even though this comes with m...

13 June 2022 /payments

The Future of Payments 2022: Building operational resilience

Paige McNamee

The Future of Payments 2022: Building operational resilience

This is an excerpt from Finextra’s report, ‘The Future of Payments 2022: The Cutting Edge of Digital Payments.’ The Covid-19 pandemic and Russia’s invasion of Ukraine are two highly relevant recent examples which underscore the need for greater operational resilience (OR) across financial services. Aimed at developing a far more resilient financial...

10 June 2022 /regulation

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