Latest long reads: Finextra Research

Pushing payments forward through cloud technology and APIs

Jack Gibson Head of Payments Engineering, Architecture & APIs at J.P. Morgan Payments

Pushing payments forward through cloud technology and APIs

The payments industry is undergoing a significant transformation, driven by rapid technological advancements and changing consumer expectations. As digital transactions become the norm, the need for efficient, secure and scalable payment solutions has never been greater. Enter cloud technology and Application Programming Interfaces (APIs)—two powe...

19 March 2025 /cloud

Hamish Monk Senior Reporter at Finextra

What is CFPB Section 1033?

The Consumer Financial Protection Bureau, or CFPB, is an independent agency of the United States government. On 22 October 2024, the CFPB issued a final rule to implement Section 1033 of the Dodd-Frank Act, seeking to govern how consumers access and share their financial data – and how that data is protected. In essence, the regulation marked an ...

18 March 2025 /regulation

How FIs and fintechs will use AI, fresh funding, and partnerships to grow in 2025

Scott Hamilton Contributing Editor at Finextra Research

How FIs and fintechs will use AI, fresh funding, and partnerships to grow in 2025

Finextra reviewed recent financial institution surveys and expert industry commentaries to zero in on the current and near-future realities of AI in banking and fintech circles. Is generative AI technology proving its promoters’ promises or fulfilling its heavily hyped potential in the financial services world? We also wanted to explore experts’ a...

18 March 2025 /ai

Fintech sentiment: What the PSR abolishment means for the UK

Dominique Dierks Senior Content Manager at Finextra

Fintech sentiment: What the PSR abolishment means for the UK

This week, the UK Government has confirmed its plans to scrap the Payment Systems Regulator (PSR) in a bid to slash red tape and boost economic growth. The PSR’s operations will be merged with the Financial Conduct Authority (FCA) once the government has passed primary legislation to enact the change. Opinions on the axing of the PSR are divided....

17 March 2025 /regulation

Where do experts agree in key fintech and banking predictions for 2025?

Scott Hamilton Contributing Editor at Finextra Research

Where do experts agree in key fintech and banking predictions for 2025?

Lots of industry surveys and well-informed speculation are popping up across the financial services world these days. We’ve provided some of our own expert insights into banking and fintech trends in recent Finextra Predict 2025 articles, impact studies, and webinars. Given the general uncertainty surrounding numerous areas of the US and global ...

14 March 2025 /predictions

Quantum computing will reach its inflection point in 2029: How investors should prepare

Madhvi Sonia Head of Content at Finextra

Quantum computing will reach its inflection point in 2029: How investors should prepare

In a recent discussion with Finextra, Anders Indset, a business author and investor based in Frankfurt, Germany, shares his insights on the future of quantum computing and its potential to revolutionise industries. He discusses the evolution of the quantum economy, highlighted the rapid advancements in quantum technology, and shares his thoughts o...

12 March 2025 /devops

Low-touch trading: Why personal service still matters

Dominic Lowres Head Electronic Trading at Investec

Low-touch trading: Why personal service still matters

The past decade has seen a steady shift towards automated trading, propelled by ongoing technological innovations and relentless cost pressures. While this trend will undoubtedly continue, an overly narrow focus on costs risks diverting attention from the real needs of clients. The winners in the future of trading technology will be those who succ...

11 March 2025 /wealth

Hamish Monk Senior Reporter at Finextra

What is APP reimbursement?

In October 2024, the Authorised Push Payment (APP) victim reimbursement scheme came into effect, under rules from the Payment Systems Regulator (PSR). The scheme means that Payment service providers (PSPs) are obliged to reimburse victims of APP fraud, up to £85,000 – and PSR asks that the value of reimbursement be split 50/50 between the sending...

11 March 2025 /crime

Cash accessibility in the digital age: A human right or a dying relic?

Dimitrios Salampasis Assoc. Professor, Emerging Technologies & FinTech at Swinburne University of Technology

Cash accessibility in the digital age: A human right or a dying relic?

From paper to pixels: How cash went from king to question mark Technological breakthroughs and advancements across the spectrum of the digital economy have been challenging the inherent nature and core purpose of money, putting pressure towards reconsidering the issuance of physical money, the impetus of financial transactions and the role of phys...

07 March 2025 /inclusion

How partnerships are transforming payments and fintech

Olivia Murphy Managing Associate at Linklaters

How partnerships are transforming payments and fintech

Strategic partnerships are on the rise in the payments and fintech space. In recent weeks we have seen traditional banks team up with technology and fintech companies to bring buy now pay later (BNPL) offerings to the market. Partnerships themselves are not a new phenomenon in the payments sphere. For years banks providing merchant services have te...

06 March 2025 /regulation

What’s up with all the payments outages?

Sehrish Alikhan Reporter at Finextra

What’s up with all the payments outages?

The beauty of online banking is that it’s – for the most part – instant. If your friend owes you money, they can transfer it to your account immediately. If you forgot to pay your bills, log online and you can pay them right then and there. Even on payday, the money should go directly to your account. However, payments outages have become more and...

05 March 2025 /payments

What’s happening at the SEC? Examining signs of Trump’s regulatory roll-back for crypto

Dominique Dierks Senior Content Manager at Finextra

What’s happening at the SEC? Examining signs of Trump’s regulatory roll-back for crypto

Over the last weeks, a series of events and announcements have shaken up the crypto market in the US. From SEC (US Securities and Exchange Commission) case dismissals to the creation of a US Crypto Reserve, the Trump administration has quickly signalled a 180 turn on the handling of cryptocurrencies. Even before his inauguration, President Trump w...

04 March 2025 /regulation

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