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FinextraResearch:Home(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':newDate().getTime(),event:'gtm.js'});varf=d.getElementsByTName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-P64CHFM');(function(h,o,t,j,a,r){h.hj=h.hj||function(){(h.hj.q=h.hj.q||[]).push(arguments)};h._hjSettings={hjid:,hjsv:6};a=o.getElementsByTName('head')[0];r=o.createElement('script');r.async=1;r.src=t+h._hjSettings.hjid+j+h._hjSettings.hjsv;a.appendChild(r);})(window,document,'static.hotjar.com/c/hotjar-','.js?sv=');$(document).ready(function(){advert_incrementer(7629,5)});$(document).ready(function(){advert_incrementer(7647,14)});$(document).ready(function(){advert_incrementer(7630,14)});$(document).ready(function(){advert_incrementer(7622,14)});// Predict2025 SigninSignupPredict2025NewsLatestnewsCompanyupdatesLongreadsTVResearchEventsAllConferencesWebinarsPopularCommunityCommunitylatestLatestexpertopinionsGroupsSearchmembersJobsAPIsSigninSignup Predict2025NewsBackNewsLatestnewsCompanyupdatesLongreadsTVResearchEventsBackEventsAllConferencesWebinarsPopularCommunityBackCommunityCommunitylatestLatestexpertopinionsGroupsSearchmembersJobsAPIspaymentsmarketsretailwholesalewealthregulationcrimecryptosustainablestartupsdevopsidentitysecuritycloudaiNews44,309storiesTV3,064videosResearch266reportsLearn269webinarsCommunity44,209membersExperts22,241postsUsers3,947,549varAdButler=AdButler||{};AdButler.ads=AdButler.ads||[];varabkw=window.abkw||'';varplc=window.plc||0;document.write('');AdButler.ads.push({handler:function(opt){AdButler.register(,,[728,90],'placement__'+opt.place,opt);},opt:{place:plc++,keywords:abkw,domain:'servedbyadbutler.com',click:'CLICK_MACRO_PLACEHOLDER'}});LatestnewsLast7daystotal28Allnews/cryptoNorthKoreahackersbehind60%ofallcryptostolenin202412hours12/paymentsCFPBsuesJPMorgan,BofAandWellsFargooverZellefraud20December24/predictionsFearoffraudininstantpaymentsshouldn’tstopprogress–USFasterPaymentsCouncil20December3/paymentsPalmPayandJumiapartnertodevelopNigeriandigitalpaymentecosystem20December1/marketsCr233;ditricoletoacquireSantanderstakeinCaceis20December1CommunityLast7daystotal49BenParkerCEOateflowukltdWhat’shappenedtoregulatorycompliancein2024,andhowcouldthisshape2025strategies?1hourPratheepanRajuAdvisoryEnterpriseArchitectatTCSTestingGenAIApplications1hourKuldeepShrimaliConsultingPartneratTataConsultancyServicesExtendedtradinghour–Differentiatedvaluepropositionforbrokerefirms3hoursJitenderBalharaManeratTCSFinOps:HarnessingCloudInfrastructurewithoptimizedbalancesheets17hours1Allcommunityposts varAdButler=AdButler||{};AdButler.ads=AdButler.ads||[];varabkw=window.abkw||'';varplc=window.plc||0;document.write('');AdButler.ads.push({handler:function(opt){AdButler.register(,,[300,250],'placement__'+opt.place,opt);},opt:{place:plc++,keywords:abkw,domain:'servedbyadbutler.com',click:'CLICK_MACRO_PLACEHOLDER'}});varAdButler=AdButler||{};AdButler.ads=AdButler.ads||[];varabkw=window.abkw||'';varplc=window.plc||0;document.write('');AdButler.ads.push({handler:function(opt){AdButler.register(,,[300,250],'placement__'+opt.place,opt);},opt:{place:plc++,keywords:abkw,domain:'servedbyadbutler.com',click:'CLICK_MACRO_PLACEHOLDER'}});varAdButler=AdButler||{};AdButler.ads=AdButler.ads||[];varabkw=window.abkw||'';varplc=window.plc||0;document.write('');AdButler.ads.push({handler:function(opt){AdButler.register(,,[300,250],'placement__'+opt.place,opt);},opt:{place:plc++,keywords:abkw,domain:'servedbyadbutler.com',click:'CLICK_MACRO_PLACEHOLDER'}});CompanyupdatesLast7daystotal91Allcompanyupdates/wealthGarantiBBVAenhancesinvestmentoptionsonitsmobileapp1hour/securityMastercardcompletesacquisitionofRecordedFuture1hour/startupsUAEfintechlendingstartupCredibleXraises$55millioninequityanddebt3hours/retailSirajFinancePJSCtoimplementiMALcore3hours/aiTBCBankUzbekistanraises$37m20December2024Morenews/paymentsChargebackplatformJusttraises$30million20December1/sustainableSustainability-linkedbondsseeadropinissuance–AFMEESGReport19December/retailChimefilesforIPO19December11/aiFormerUBSinvestmentanalystunveilsvoiceclonedAIeducationtool19December2/retailUKneobankappdownloadssurpasslegacybanksforthefirsttime19December24/paymentsNewZealandreducesmerchantservicefeesforcardpayments19December15AllnewsTrending/wholesaleFISsettobuyDemica16December/cryptoRipplebeginsstablecoinrollout17December/securityPSRcallsfordatasharingbetweenbanksandtechnologyplatformstocombatAPPfraud17December/paymentsMorganStanleybecomesfirstinvestmentbanktodeployWiseplatform17December/aiGoogleCloudpredictsfourwaysthatGenAIwilltransformfinancialservices19DecemberJointheCommunityLearn,shareanddiscussthelatestbanking,paymentsandfintechinnovationswiththeworld’slargestfintechcommunity.Accessuniqueresearch,content,andreal-timealerts,services–freetoregisteredmembers.44,209Members 22,241ExpertopinionsJointhecommunitySignin266Reports 258WebinarsFindoutmoreExpertopinionsLast7daystotal49BenParker CEOateflowukltdWhat’shappenedtoregulatorycompliancein2024,andhowcouldthisshape2025strategies?It’sbeenquitetheyearforregulatorycompliancein2024.Forone,severalmajorregulationswererolledout.WesawcertainpartsoftheMarketsinCrypto-Assets(MiCA)regulationcomeintoeffectinJune,withtheremaindersettoapplyfromtheendofthisyear.Thelong-awaitedarrivaloftheEMIRRefitregulationalsocameintoactionfort...1hourPratheepanRaju AdvisoryEnterpriseArchitectatTCSTestingGenAIApplicationsWhenwestartthinkingaboutGenerativeAI,thereare2thingsthatcometomind,oneisrelativetotheGenAImodelitselfwithitscountlesspossibilitiesandnextistheapplicationwithdefinitivegoalorpurposeorproblemthatneedstobemetorsolvedleveringGenAImodels.So,nextthequestionarises,whatteststrategymustbefollowed...1hour/aiKuldeepShrimali ConsultingPartneratTataConsultancyServicesExtendedtradinghour–DifferentiatedvaluepropositionforbrokerefirmsPrologueExtendedtrading,alsoknownaselectronictradinghours,referstothebuyingandsellingofsecuritiesthroughelectronicnetworksoutsidethestandardtradinghoursofastockexchange.Regulartradinghoursforlistedstocks,asdefinedbytheSecuritiesandExchangeCommission(SEC),arefrom9:30a.m.to4p.m.easterntime(US).Th...3hours/ai/wealthJitenderBalhara ManeratTCSFinOps:HarnessingCloudInfrastructurewithoptimizedbalancesheetsFinOps:IntroductionTheriseofadoptioninthepubliccloudhassignificantlydisruptedtraditional,capital-intensive,andslow-movinginfrastructureprocurementprocesses.Withthepubliccloud,theresponsibilityforprocurementhasshiftedtoengineeringLe Registreteams,grantingthemtheautonomytospendcompanyfundsandmakefinancialdecisionsr...17hours/cloud/devopsBankingStrategy,DigitalandTransformationEldadTamir FounderandCEOatFINQWhyisfinancialliteracyimportant?KeyinsightsforyounginvestorsDidyouknowthatonly24%ofMillennialsdemonstratebasicfinancialliteracy?Understandinghowtomanemoneyismorecriticalthanever,especiallyforyounginvestorsstartingtheirfinancialjourney.FinancialliteracycaLe Registrenmeanthedifferencebetweenretiringearlyorworkinglateinlife.It’soneofthemostvaluablesubjectstoprioritiz...23hours/ai/marketsArtificialIntelligenceandFinancialServicesAllcommunitypostsNewmembersKirillLisitsyn Co-founder&CEOatTorusMitulJain DirectoratEYArthurAzizov CEOatB2BINPAYKisshenthiranSaranan InternatKLDX(KapitalDXSdnBhd)TrendingSonaliPatilCloudSolutionArchitectatTCSDerivingSolutionChoicesforMainframeModernizationonAWSCloud20DecemberAndrewDuckerPaymentsConsultingatIconSolutionsHowtheNationalPaymentsVisionintendstoshapethefutureoffinancialservices19DecemberJamelDerdourCMOatTransact365/Nucleus365AccessingNewOpportunitiesforDigitalPaymentGrowthinIndia17DecemberAndriiShevchukCTO&Co-PartneratConcrytTheRoleofAutomationinPayments:TransformingEfficiencyandSecurity16DecemberResearchTotalresearchpieces266ImpactStudyCateringtoanewgenerationthroughunifiedcardprogrammesHowGenZischangingthepaymentslandscape,whyoperationalcostsaresoaring,andhowaunifiedcardprogrammecanhelpfinancialinstitutionstounlockacompetitiveadvanteanddrivegrowth.Globalisationcontinuestoshapethemarketasmoneymovesbetweenbanks,businessesandevencountriesquickerandinhighernumbersthaneverbefore.Bothdebitandcreditcardsremainvitalintoday’spaymentexperiencebutchangingconsumerdemandsandthesurgingpopularityofneobanksleetraditionalbanksfightingfortop-of-walletstatus. Ononehand,traditionalbanksarebattlingsurgingoperationalcosts.Fromafunctionalitypointofview,theworldisgettingsmaller.Today,thereisnotmuchperceiveddifferencetotheconsumerbetweendebitcards,creditcards,andprepaidcards.Yetbehindthescenes,manybanksruneachoftheseproductsindifferentplatformsandset-ups,eachrackingupitsowncosts. Addtothismixserviceslikepersonalloans/buynow,paylater(BNPL)schemesandincreasingregulatorydemands,youhecreatedtheperfectstorm:Hingtoboltonanew,disparatesystemeverytimetheservicesareextended–whichcoststime,money,andaddshighregulatoryburden. Ontheotherhand,theconsumerexpectationsofanewgenerationsareshapingthemarket.GenZ’spreferencefordigital,seamlesspaymentmethodsischangingthefinanciallandscapeandtraditionalbanksneedtoadapttheirserviceofferingsinordertomatchthesenewdemands. Thisimpactstudy,producedinassociationwithFIS,explores: Increasingcostpressures:Whyoperationalcostsaresoaring Howanewgenerationisshapingthepaymentslandscape Tacklingchange:Thebenefitsofaunifiedcardprogramme Casestudies:Apracticalapproachtochange  Watchtheon-demandFinextrawebinarwithFIS- Unifyingcardprogrammes:Thecost-reductionimperative 06December2024107downloadsEventReportSustainableFinanceLive–NaturalCapitalFinanceARecordfromtheSustainableFinanceLiveConferenceandHackathon2024 On8October2024,FinextraResearchandResponsibleRiskheldtheannualSustainableFinanceLivehybridconferenceandhackathon,inpartnershipwithNayaOne. TheconferencetookplaceatEvents@No6inLondon,andstartedoffwithawelcomefromfounderofResponsibleRiskandcontributingeditorforFinextra,RichardPeers.Peersopenedwithanintroductionoutliningthethemesandobjectivesofthisyear’sevent:tounderstandnaturalcapitalrisk,pricing,andtrade. Thefocusareasoftheconferencewerenaturalcapital,riculture,supplychains,aswellasregulationandreporting.Thesessionsalsohighlightedhighlightingnewtechnologiesthatarebeingusedtocollectnature-relateddatasuchasEarthobservationandsatellitereporting. RichardPeers,contributingeditoratFinextraandfounderofResponsibleRisk,moderatedtheconference:“Whatwewantedtodoistoputonaneventaimedatexplainingthelandscapeofanaturalcapitaltransaction,withtheassociateddataprovidersidentifiedalongtheway.Endingtheprocessinanassetmanementtradingplatform,takingintoconsiderationallthestepsthataregulatedentityhastoundertake,toprovetothefinancialindustrythatthiscanbeanassetclass,thatisastradableasanyother.” DownloadaVisualRecordoftheeventbelowtodiscoverkeythemesoftheevent’spanels,keynotes,andhackathon.Wecover: Naturalcapitaltradingfromfieldtotrade; Hownaturefinancingcanbeachieved; Theroleofdata,economicprofit,andpolicyfornaturalcapital; Howtobuildasustainableecosystemusingnaturalvalue; Visionsandresultsfromthehackathon; Andmore. 28November202483downloadsFutureofReportTheFutureofAIinFinancialServices2025Aspecialeditionfor NextGen:AI2024Artificialintelligence(AI)hastheabilitytorevolutionisethefinancialindustrymakingidmoreefficient,enhancecustomerexperiences,reducecosts,andcreatenewproductsandservices. AIistransforminghowinstitutionsmanerisk,interceptfraudorcrimes,personalisecustomerexperiences,improveefficienciesacrosstheiroperations,makeinvestmentdecisions,andmanymoreusecaseswhicharestillbeingdeveloped. SomeindustrieshealreadystartedtoembraceAIandbankscanbeincludedinthat,butfinancialservicesstillhasroomtolearnfromthedevelopmentsofotherecosystems.Atthesametime,theinnovationinAIisnowbeingdrivenbylegislation.TheEUAIActcameintoeffectin2024andisthemostconcretepieceoflegislation,butotherjurisdictionsaredevelopingtheirownandwillcontinuetowatchhowtheEUprogresses. WiththenewpossibilitiesAIisopeningforfinancialservices,therearenewrisks.Biases,modelissues,cybersecurity,andcomplianceissuesareamongsomeofthehurdleswhichAIpresentstofinancialinstitutions.AddingtothisaretheserioussustainabilityissueswhichAIcancreateforfinancialinstitutionsplanningtouseitlongterm. ThisreporthasbeenwrittenincollaborationwithBox,InnovateFinance,andRedCompassLabs,andcontributionsfromGlobant,theUnitedKingdomHouseofLords,ING,NatWestGroup,Sumsub,andSmarsh.Itexplores: HowfinancialservicescanembraceAI; SomeofthekeyemergingAIusecases; GloballegislativeoutlookforAI; AIsustainabilityandenergyefficiency; HowAIcantransformfinancialservicesmetadataextraction. 25November2024556downloadsAllresearchFinextraTV3,064videos135,327viewsinpastyear/startupsHowPartnershipsCanBeKeytoStartupSurvivalManystartupshealargenumberofdecisionstomakeandeachonehasthechancetoaffecttheirtrajectorysignificantly.Asaresult,somewilloftenrushwhatmightinitiallybeseenasthesimplestdecision:whotobankwith.YetRobBurnett,DirectorofStartupBanking,GrasshopperBanktoldFinextraTVinthisinterviewthatitmightbeworthspendinglongerconsideringabankingpartner.Thisfirstdecision-findingtherightpersonfortheirspecific,nicheneeds-couldreducethetimespentdecidingfutureexpenses,helpthembecompliantandenableaconsistentgrowth18December2024/sustainableThePathtoClimateProgress:Optimism,PurposeandTechnologicalInnovation18December2024/paymentsACHandTheImportanceofRoutingTransitNumbers16December2024/aiWhyOnly20%ofYourDataisValuable11December2024/regulationForEmbeddedFinance,Innovation&ComplianceCanWorkHandinHand18December2024AllFinextraTVEvents269Webinarsailable51Eventsinthepastyear21,361DelegatesinpastyearJanuary2025HideShowJanuary2025HideShowWebinarPREDICT2025:TheFutureofFasterPaymentsintheUSWhichapplicationsofFasterPaymentsintheUKaretransferabletotheUS?Speakersfrom:Finextra,BNY,TheClearingHouse14January2025Online168WebinarNextGenpaymentprocessing:HowbankscanembracethefutureHowarepaymentprocessingneedschanging?Speakersfrom:BancofCalifornia,CoreCard16January2025Online149WebinarOperationalresilienceintheeofDORADiscoveremergingoperationalresilienceenterprisestrategies.Speakersfrom:CockroachLabs21January2025Online135WebinarTrustedTransactions:TheFutureofRisk-BasedAuthenticationWhyshouldissuersandprocessersuseAItoembedtrustinthetransactionlifecycle?Speakersfrom:Mastercard,Broadcom28January2025Online80WebinarMoneyMuleDefence:PracticalApplicationsandtheRoleofTechnologyWhatarethechallengesofdetectingtheactivitiesofmulesandtheneedforcontinuousmonitoringatdifferentstes,suchasonboardingortransacting?Speakersfrom:NICEActimize30January2025Online725EventsinJanuaryShowAllEventsLongreadsTotallongreads1134ScottHamiltonContLe RegistreributingEditoratFinextraResearchShouldtheFDICbeeliminated?DoAmericansreallywanttoeliminatetheencythathasprotectedtheirbankdeposits(toapoint)fromsudden,unexpectedlossesduetotheirfinancialinstitution’sfailure–anddonesosincetheGreatDepression?We’reabouttofindout,ifstoriescirculatingrecentlythroughWallStreetandWashington,DCaretrue.Accordingtomanymajor...3hours/retailHenkVanHulleCEOatOpenBankingLimitedOpenbankingin2025:AyearofopportunityfortheUK2024sawtheUKachieveagreatdeal.WesawthecompletionoftheCompetitionandMarketsAuthority’s(CMA)finalroadmapforopenbanking,theintroductionoftheData(UseandAccess)BilltoParliament,andthepublicationoftheGovernment’sNationalPaymentsVision(NPV),allofwhichsetaclearpathforthefutureofopenbankingin2025a...20December2024/predictionsRowanVarrallAssociateDirectoratDTIFoundationDigitalassetregulation:IntegratingtheDTIstandardIntherapidlyevolvingworldofcryptoanddigitalassets,regulatorsarebeingforcedtoadapttonewchallengesposedbydigitalisation.Themainchallengeisestablishinganintegratedregulatoryframeworkwhichsupportsmarkettransparencyandcompetition,allowingglobalstandardstoincentivisefurtherinnovationandgrowthintheindustry....19December2024/cryptoAlllongreadsChannelsLast7daystotal28/cloudLast7daystotal1NewsTPIcaptomigrate80%oftechnologyinfrastructuretoAmazonWebServices03DecemberWebinarOn-Demand–UsingmoderntechnologyplatformstocreateanAI-drivenbank17September/sustainableLast7daystotal2NewsSustainability-linkedbondsseeadropinissuance–AFMEESGReport19DecemberWebinarSustainableFinanceLive:Placingcitiesatthecentreoftheclimatechangediscussion14September/securityLast7daystotal3NewsPSRcallsfordatasharingbetweenbanksandtechnologyplatformstocombatAPPfraud17DecemberWebinarOn-DemandWebinar-Tappingintofriendlyfrictiontopreventfraud28March/paymentsLast7daystotal12NewsCFPBsuesJPMorgan,BofAandWellsFargooverZellefraud20DecemberWebinarOn-Demand–WinningPaymentStrategiesforHigh-OpportunityIndustries24October/retailLast7daystotal19NewsChimefilesforIPO19DecemberWebinarOn-DemandWebinar-Fintechvs.Banking:Whowillwinthedepositwar?18MayMoremarketsLast7daystotal4wholesaleLast7daystotal9wealthLast7daystotal0regulationLast7daystotal5crimeLast7daystotal1cryptoLast7daystotal5startupsLast7daystotal1devopsLast7daystotal0identityLast7daystotal0aiLast7daystotal2WelcometoFinextra.Weusecookiestohelpustodeliverourservices.YoumaychangeyourpreferencesatourCookieCentre.PleasereadourPrivacyPolicy.AcceptFinextraAboutCommunityRulesContactthecommunityteamNewsGuidanceContactthenewsdeskSalesMediapackContactthesalesteamGetinvolvedFinextraLive@WebinarsFinextraTVResearchFinextra.jobsEventsSustainableFinanceLiveNextGenNordicsEBAdayNextGen:AIJointhecommunityRegisterfornewsalerts©FinextraResearch2024TermsofusePrivacyPolicyCookieCentre