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Industry Comment
Industry commentary by experts on the industry's most topical issues.
Dopamine, BNPL and subprime lending
How can BNPL be structured to serve consumers better and help them be more responsible?
How fintech can reshape global trade and the supply chain
Fintech innovations combined with 5G advancements could completely transform the way we conduct trade.
Banks must shift their focus from being product-centric to customer-centric
True banking transformation starts with the customer, not the technology.
Green fintechs are redefining gender representation in finance
As more women move into sustainable roles, the green economy can grow along with female representation.
Executive panel: key banking cybersecurity developments for 2023
Ten executives from top firms, including Wells Fargo, Microsoft, TransUnion, and RBC, share their expert views.
State of play: neobanks
Neobanks as a sector are now approaching their teenage years and quickly maturing.
Facing the FCA armed with data
Fintechs are finding themselves subject to increasing scrutiny by regulators regarding AML compliance.
The future of financial services depends on global connectivity
To establish interoperability in global payments, a balance must be struck between collaboration and competition.
In 2023, payments will provide momentum for open banking adoption
Today, regulators are very focused on promoting competition and alternatives to card payments.
Will regulated cryptocurrency become the new fiat currency?
The last year has demonstrated that the crypto market is in immediate need of significant regulatory oversight.
As uncertainty continues, financial institutions must provide revitalised client-first approaches
While we may be facing much ambiguity in 2023, there has never been a greater opportunity to innovate.
Why 2023 is time for us to tackle financial crime properly
The impact of financial crime continues to be severe, but 2023 could be a breakthrough year.
Building a future-ready bank
What’s the formula to create a future-ready bank that stays digitally relevant to its customers?
Where will fintech go next in 2023?
2023 will no doubt bring more surprises for the fintech industry and tough times for many.
Why the increased adoption of PvP settlement will enhance cross-border payments
PvP guarantees both parties involved in a transaction get paid at the same time as one another.
Why leadership talent should be a priority for VC-backed fintech businesses
As a fintech founder, developing your own leadership talent can maximise your chances of success.
2023: the final countdown for incumbents versus challengers
If incumbents fail to adapt in 2023, challengers could gain the lion’s share of the market once and for all.
Embedded finance to lead the way in 2023 fintech innovation
Over 2023, financial services will continue to become more digital, accessible and decentralised.
The art of preventing APP scams
Banks need to leverage more insights from more data to effectively prevent APP scams.
Beyond Bitcoin: why developing nations should look to stablecoins
With stablecoins, emerging economies could potentially build more inclusive and fairer monetary systems.
Digital resilience being taxed by tools? Time for a DevSecOps platform strategy
Firms’ DevOps practices are underperforming at precisely the time they must up their game on resilience.
How the cloud helps companies reach their ESG goals while embracing a global outlook
Cloud-based core banking can help banks get leaner and greener.
DLT in 2023: out of the blocks
What does 2023 have in store for distributed ledger technology (DLT)?
The regulatory landscape and predictions for 2023
Being able to quickly respond to changing regulatory requirements is more important than ever.
Reasons to be hopeful for 2023
Perhaps, the universe has a plan hiding in plain sight. The glimmers of hope that are just around the corner…
Financial institutions will need to redefine their risk-based strategies in 2023
In 2023, FIs will look to strengthen their approach to fighting financial crime.
What’s next in fintech? Three predictions for 2023
Here are three trends that will drive the next wave of innovation in fintech.
Personalisation in banking
Banks can deliver personalisation through a more contextual customer journey.
How digital signatures and blockchain technology can help to mitigate fraud risks
Using electronic signatures in combination with blockchain could significantly help reduce fraud.
Monitoring fintech’s pulse for 2023
Fintech is alive, but there’s no denying it took a hit this year.
What’s in store for ESG in 2023?
Over the next few years, many organisations will transform their business models and put ESG front and centre.
Four tips to help you design a risk strategy to combat fraud in 2023
Mitigating fraud and building trust with customers should be top of the agenda for businesses in 2023.
VRPs will have their Netflix moment – it’s only a matter of time
Enabled by open banking, VRP is the Netflix to direct debit’s dusty VHS player.
Six actions CISOs should consider for stronger compliance and risk mitigation
Banks face increasing regulations and compliance requirements as the cyber landscape grows more complex.
It’s crunch time for open banking in the UK
The UK government and regulators have a golden opportunity to set open banking on a path to success.
Why innovative banking has never been more important
Innovative banking can help consumers make ends meet during what promises to be a challenging period.
Another year of threats: where fintech firms will need to focus security efforts in 2023
Zero trust and platform-based approaches will guide fintechs through the current turbulence.
Not how, but where: the next payments revolution
The future will bring many metaverse ‘realms’ operating across borders, each with their own digital tokens.
Let talent thrive
When it comes to talent investment, far too many financial firms continue to get it wrong.
