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Finextra Research: HomeFinextra,news,online,bank,banking,technology,finance,financial,fin,tech,fintech,IT,breaking,latest,retail,transaction,trade,execution,headlines,blockchain,digital,investment,mobile,business,challenger,payments,regtech,insurtech,servicesLatest financial technology news, fintech news, fin tech news, retail banking news, wholesale banking news, blogs opinion, analysis, jobs, videos, announcements and featuresFinextra Research: Home Sign in Sign up NewsLatest newsCompany updatesLong readsTVResearchEventsAllConferencesWebinarsPopularCommunityCommunity latestLatest expert opinionsGroupsSearch membersJobsAPIs Sign in Sign up NewsBackNewsLatest newsCompany updatesLong readsTVResearchEventsBackEventsAllConferencesWebinarsPopularCommunityBackCommunityCommunity latestLatest expert opinionsGroupsSearch membersJobsAPIs paymentsmarketsretailwholesalewealthregulationcrimecryptosustainablestartupsdevopsidentitysecuritycloudai News 43,930 stories TV 3,026 videos Research 258 reports Learn 257 webinars Community 43,926 members Experts 21,805 posts Users 3,947,549 Latest news Last 7 days total 31 All news /sustainable Sustainable Finance Live: Environmental sector isn’t “investable or professional yet” 11 October /sustainable Sustainable Finance Live: Regulations driving sustainable transactions 11 October /devops UK fintechs have an overall positive impact on the country - Innovate Finance 11 October /people Ex-UBS boss Hamers joins AI wealth management startup Arta Finance 11 October 11 /payments Banked buys Australian A2A payments outfit Waave 11 October 1 Community Last 7 days total 51 Elias Thomaidis Sales Director at Aspire Systems Enabling Compliance for SEPA Instant Debit and Bulk Payments 11 October Dmytro Spilka Director and Founder at Solvid, Coinprompter How Fintech is Paving the Way for Unprecedented Operational Efficiency for Brick and Mortar Retailer 11 October Nikunj Gundaniya Product manager at Digipay.guru What is Agency Banking? A Comprehensive Overview for Banks 11 October Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData, Start with WHY 11 October 1 All community posts Company updates Last 7 days total 84 All company updates /payments EPC publishes first version of Verification Of Payee Scheme rulebook 11 October 2024 /people Enfusion makes senior appointments 11 October 2024 /retail Valley Bank wins Datos Insights impact awards in commercial banking 11 October 2024 /markets ADGM Academy and Fintech Tuesdays sign MOU 11 October 2024 /wealth Arta Finance announces global launch 11 October 2024 More news /payments Citi and Mastercard team on cross-border debit card payments 11 October 25 /regulation TD Bank fined $3bn after money laundering guilty plea 10 October 4 /retail Monzo to hit £4.5bn valuation in employee share sale 10 October 2 /regulation 'Woeful' systems and staff incentive schemes land TSB with £10.9 million penalty 10 October 11 /payments Revolut to offer American Express as new payment method for business customers 10 October 4 /wealth Financial advisory firm Facet raises $35 million 10 October All news Trending /crime Ecommerce fraud to exceed $100bn by 2029 07 October /crime Big tech and banks fall out over compensation for fraud victims 07 October /inclusion Mastercard targets real-time card payments in South Africa 09 October /retail Pockit to buy Monese 10 October /regulation TD Bank fined $3bn after money laundering guilty plea 10 October Join the Community Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community. Access unique research, content, and real-time alerts, services – free to registered members. 43,926 Members   21,805 Expert opinions Join the community Sign in 258Reports  242Webinars Find out more Expert opinions Last 7 days total 51 Elias Thomaidis Sales Director at Aspire Systems Enabling Compliance for SEPA Instant Debit and Bulk Payments Introduction As European banking institutions quickly face up to key 2025 events for SEPA Instant compliance, there is a growing sense of urgency developing across the region. The SEPA Instant framework aims to standardise euro payments across the Single Euro Payments Area, with key milestones shaping regulatory and technical landscapes for financ... 11 October /payments /regulation SEPA and European Payments Dmytro Spilka Director and Founder at Solvid, Coinprompter How Fintech is Paving the Way for Unprecedented Operational Efficiency for Brick and Mortar Retailer Despite the rise of digital transformation and eCommerce, the future still looks bright for brick-and-mortar retailers. Thanks to new technological innovations in the field of fintech, it’s possible for stores to embrace some of the efficiencies of the online counterparts of offline stores. Statistically, brick-and-mortar retail is still as popu... 11 October /payments /retail Nikunj Gundaniya Product manager at Digipay.guru What is Agency Banking? A Comprehensive Overview for Banks In today’s highly dynamic financial world, the necessity of viable solutions that allow unbanked and underbanked people to use banking services has become more pressing than ever. One of the primary strategies to cope with this problem is agency banking. This model allows banks to extend their services without the need to establish physical branch... 11 October /payments /inclusion Banking Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData, Start with WHY Our task - especially in banking - is now to take the ready parts of EU legislation and wallets into use – make the Trust Infrastructure real. WHY? Because we need to make life easier – cut the rising stress levels - for citizens at work and at home, make enterprises more successful, make EU more secure and transparent and cut CO-emissions in a... 11 October /retail /identity Innovation in Financial Services Priyam Ganguly Data Analyst at Hanwha Q cells America Inc AI-Powered Fraud Detection: Transforming Risk Management in Financial Services Fraudulent activities within the financial services sector have escalated into a significant concern, with projections indicating that online payment fraud could result in losses exceeding $206 billion between 2021 and 2025. This stark reality has forced financial institutions to reassess their risk management strategies and seek more advanced fra... 11 October /ai /crime All community posts New members Nicky Goulimis Co-founder at Tunic Pay Ben Cope Senior Associate at Eterna Partners Olivier Lens Head of Sub Sahara Africa at Swift Steve Carpenter County Director North America at Creditsafe Trending Hassan Zebdeh Financial Crime Advisor at Eastnets The hidden world of trade based financial crime 08 October Jelle Van Schaick Head of Marketing at Intergiro How to Start a Neobank in 2024: A Step-by-Step Guide for Entrepreneurs 07 October Kuldeep Shrimali Consulting Partner at Tata Consultancy Services Automation ideas for FA-Client meeting lifecycle 07 October Nikunj Gundaniya Product manager at Digipay.guru Why Financial Institutions Need Advanced Money Transfer Solutions for Remittances? 07 October Research Total research pieces 258 Future of Report The Future of Embedded Finance in Africa 2025 Embedded finance is changing the payment landscape in Africa. The question now is: what will it take for embedded finance to truly scale across Africa? The global embedded finance market is set to grow beyond $228 billion by 2028 according to Juniper Research. As this market matures and consumer confidence in the technology grows, this will likely prove to be a significant chunk of global financial services. In Africa, this emerging trend has the potential to unlock new economic opportunities. As a less mature market, it is not as hindered by legacy payments systems, making it ripe for payment innovation from embedded finance. It has the potential to reshape the continent’s current payments landscape, broaden innovation opportunities, and drive financial inclusion. As a market Africa is very adaptable to different technologies, and embracing of newer, more agile services. A lot of the population to the majority of their banking through their mobile phones, making embedded finance fit seamlessly into financial worlds of the populace. Yet there are many factors which will alter and develop the ability for embedded finance to take hold. This Finextra report, sponsored by Kora, received contributions from Binance, Indelible Inc., Mojaloop Foundation, and Nikulipe. It explores:  Making embedded cross-border payments work in Africa; Unlocking the opportunities of embedded e-commerce in the African market; Embedded finance: Encouraging African financial inclusion; Why personalisation in embedded finance is the next step for African fintech; Regulating Africa to encourage embedded finance innovation. 10 October 2024 35 downloads Impact Study Adding GenAI To Your Fraud Prevention Strategy We explore the numerous benefits of generative AI for fighting fraud.  In an instant payment, cross-border world, fraud is more nefarious and prevalent than ever. Recent research shows that worldwide, APP (Authorised Push Payment) fraud now represents 75% of all digital banking fraud on a dollar-value basis. By 2026, losses are expected to reach $5.25 billion – revealing that APP fraud is one of the biggest threats to financial institutions (FIs) globally.  The next pre-emptive step in the fight against fraud is generative AI (GenAI), which uses Large Language Models (LLMs) to generate new content like text, audio, video and even new computer code. While GenAI is still in the fledgling stages of adoption within fraud prevention, it will soon become a true differentiator.  But how exactly are scammers deploying AI to their advantage? What are the best ways to incorporate GenAI into a fraud prevention strategy? How should consumer privacy be managed? This impact study answers these questions and casts an eye over the current fraud landscape, the regulatory implications, and the vital role of innovation.  This Finextra impact study, produced in association with Outseer, explores:  The evolution of scams;  The role of AI;  Technology and the impact of generative AI;  How to embed AI in the best way possible;  Addressing regulatory challenges and concerns;  And more.  27 September 2024 116 downloads Survey The Global Fight Against Trade-Based Financial Crime Broken inside, broken outside: Uncovering the internal weaknesses and external pressures fuelling a $1.6 trillion challenge.  Trade-Based Financial Crime (TBFC) is a global issue, draining $1.6 trillion annually from economies—funds that could otherwise fuel development, build infrastructure, and stabilise financial systems. Instead, these resources are diverted into criminal networks that operate across borders, exploiting the very institutions meant to protect global finance. This is a crisis that goes beyond numbers; it strikes at the core of trust and stability in the financial world.  This global survey, conducted in the summer of 2024, revealed the alarming extent to which financial institutions remain unprepared in the face of the growing threat of TBFC and sheds light on the significant challenges, technology gaps, and fragmented risk management strategies that enable significant financial crime.  Input from leaders at ING and ITFA reinforces the critical role of technology in combating TBFC, while also acknowledging the operational challenges that remain. Implementing AI-driven solutions at scale is proving to be a significant obstacle for many institutions, with the timeline for action growing ever tighter.  Download this Finextra survey, produced in association with Eastnets, to explore:  Why TBFC is a growing global crisis What internal roadblocks institutions are facing An investigation into the external challenges of combatting TBFC Recommendations for what risk leaders should do next And more Click here to join us for the Finextra webinar, Global Trade Based Financial Crime: Where Trade and Payments Meet, and hear from our panel of industry experts discuss the finding from this survey and the current state of trade-based financial crime globally.  25 September 2024 158 downloads All research FinextraTV 3,026videos 120,261views in past year /crime Fighting Fraud with Form3: The Importance of Focusing on Customer Experience In the final installment of this 3 Part series, FinextraTV and Nick Fleetwood, Head of Data Services, Form3, discusses how fraud prevention is all about customer experience. Consumers are accustomed to payments flowing in real-time and funds reaching their destination in seconds. However, when customer are notified about a potential fraudulent attempt, this in itself is a negative user experience. As a result, banks must ensure they are using insights to understand the level of trust - how trusted the sender is, how trusted the receiver is, and how trusted the relationship between them is - before sending a fraud alert. Further, suspicion can also be a valuable tool in any bank's toolkit: by analysing behavioural characteristics of the payment, coersion can be detected and aligned with how fraud has been recorded in the past, prioritising customer experience. 24 September 2024 /crime Fighting Fraud with Form3: The Importance of Inbound Transaction Screening 17 September 2024 /payments Generative AI's Impact and Opportunities in Banking 02 October 2024 /sustainable How do you finance Natural Capital? Sustainable Finance.Live 2024 Aims to Provide Answers 18 September 2024 /sustainable Can Every Product Be Climate Positive? 07 October 2024 All FinextraTV Events 257Webinars available 50Events in the past year 20,674Delegates in past year October 2024 HideShow October 2024 HideShow Webinar The Automation Imperative in Asset Servicing What are the core issues in the asset servicing sector? Speakers from: Broadridge Financial Solutions, The ValueExchange, ISSA International Securities Services Association 15 October 2024 Online 80 Webinar Microservice architecture: The answer to modern payments processing How can banks future-proof their payments processing with microservices architecture? Speakers from: Diebold Nixdorf, Red Hat, Tietoevry Banking 17 October 2024 Online 303 Webinar Automated testing: The road to evergreen compliance How can banks future-proof their compliance process with automated testing? Speakers from: UBS, Accenture, UNIFITS 22 October 2024 Online 98 Webinar Winning Payment Strategies for High-Opportunity Industries What fintech trends are shaping the future of high opportunity industries? Speakers from: Rapyd, BCG X, Malta Association 24 October 2024 Online 168 Webinar Payment Orchestration: Remaining Relevant in Today’s Market How can businesses offer a closed-loop, single vendor approach and an open-loop, multi-acquiring strategy at the same time? Speakers from: ACI Worldwide, Citi 29 October 2024 Online 532 5 Events in October Show All Events Long reads Total long reads 1064 Chris Holmes Peer at House of Lords The UK’s legislative approach: Substance over style The UK’s recent regulatory moves on digital assets and stablecoins have been fairly solid on substance but could benefit from a bit more style. By substance I’m thinking of the Electronic Trade Documents Act, the recently introduced Property (Digital Assets etc) Bill and just launched Digital Securities Sandbox (DSS). This ‘substance over style’... 11 October 2024 /regulation Madhvi Sonia Head of Content at Finextra Hurricane Milton: How to avoid natural disaster scams and fraud As Hurricane Milton gradually tracks away from Florida, leaving deadly storm surges, flooding rain and high winds in its path, it is an unfortunate reality that fraudsters will try and capitalise on the misfortune and vulnerability of those affected. This week, the US Justice Department, the Federal Trade Commission (FTC) and the Consumer Financi... 10 October 2024 /crime Dickson Nsofor Chief Executive Officer at Kora What will it take to grow and scale embedded finance in Africa? This is an excerpt from the Future of Embedded Finance in Africa 2025 report. Embedded finance is changing the payment landscape in Africa. With it, non-financial businesses are offering specialised services to consumers across the continent. Now, there are BNPL platforms with virtual accounts customers can fund to pay for products and services. R... 10 October 2024 /markets All long reads Channels Last 7 days total 31 /cloud Last 7 days total 0 News NCR Voyix sells digital banking business for $2.45bn 06 August Webinar Webinar - Fraud Prevention with Machine Learning: Stream processing and real-time data management 27 July /sustainable Last 7 days total 8 News Sustainable Finance Live: Environmental sector isn’t “investable or professional yet” 11 October Webinar Sustainable Finance Live: Placing cities at the centre of the climate change discussion 14 September /security Last 7 days total 4 News MoneyGram says hackers stole customer data 10 October Webinar On-Demand Webinar - Network Analytics: How to Uncover Financial Crime Risk 31 October /payments Last 7 days total 14 News Banked buys Australian A2A payments outfit Waave 11 October Webinar On-Demand – Real Time Goes Global: Expanding Revenue Potential Beyond Borders 10 September /retail Last 7 days total 19 News Monzo to hit £4.5bn valuation in employee share sale 10 October Webinar On-Demand Webinar - Fintech vs. Banking: Who will win the deposit war? 18 May More markets Last 7 days total 5 wholesale Last 7 days total 6 wealth Last 7 days total 6 regulation Last 7 days total 9 crime Last 7 days total 3 crypto Last 7 days total 4 startups Last 7 days total 2 devops Last 7 days total 1 identity Last 7 days total 2 ai Last 7 days total 4 Welcome to Finextra. 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