10 Dec 24 @ 10:18

The UK is at a pivotal moment in terms of fintech. Regulation, reputation, growth and investment are under the spotlight, and happily so. These are not mutually exclusive. The powers... read more

22 Oct 24 @ 14:10

Open banking in the UK and Europe was introduced in 2018, with regulations mandated by the EU’s Payment Services Directive 2 (PSD2). Six years later, has it caught on in... read more

14 Aug 24 @ 08:58

APIs and Automation are the operative words for tier 2 and 3 banks navigating the narrowest of grounds between legacy and scalability. Anna Milne writes. In graduating from the legacy... read more

14 Aug 24 @ 08:44

Onboarding is a largely understated element in the noise around digitalisation. Financial providers themselves don’t tend to bemoan so-called abandonment rates in the same way as one hears about cart... read more

31 May 24 @ 14:11

It’s tough at the top. Well, it’s even tougher at the bottom. While the pressure has arguably never been greater for retail banks to conform to new standards of service... read more

02 May 24 @ 09:27

In recent years, digital wallets have shot from the niche to the mainstream. Their use has taken off in every region of the world, the growth trajectory remains strong, and... read more

21 Feb 24 @ 10:53

Having survived the hype cycle, so-called “bank in a box” services will shift how banking and payments work over the next five years, creating new revenue streams for traditional banking... read more

21 Feb 24 @ 10:40

With more than one in three UK adults now registered for some kind of mobile payments service according to UK finance, experts predict we’re going to see growing numbers of... read more

21 Feb 24 @ 10:38

As second-generation mobile point of sale (mPOS) devices emerge and consumers continue to gravitate towards mobile as their main shopping channel, it won’t be long before traditional POS devices and... read more

21 Feb 24 @ 09:58

A new white paper from payment technology specialists Giesecke+Devrient outlines the steps banks should take to deliver phygital payments for their customers – and the benefits that will accrue to... read more

16 Feb 23 @ 16:18

New technologies such as Account-to-Account payments and Open Banking are taking intermediaries out of the value chain in payments, while fresh advances in blockchain threaten total disintermediation. James Wood looks... read more

16 Feb 23 @ 13:26

As this industry enters 2023, we are navigating uncharted waters: the “post-COVID” era is upon us as consumers emerge from almost three years of pandemic life. Pent-up demand for travel... read more

29 Dec 22 @ 04:23

From Open Banking and instant payments through the Next Big Thing in crypto, James Wood reads the cards to find out what’s coming next in the new year. Those who... read more

24 Oct 22 @ 13:27

Today’s leading financial institutions still operate outdated card platforms from the 1990s and need to change. But why are so many opting to patch their systems up, rather than switch?... read more

24 Oct 22 @ 10:30

ING has announced, following the closure of the Yolt cashbook app last year, to phase out its Yolt business-to-business Open Banking activities as well. This was reported by the bank... read more

25 Aug 22 @ 10:53

In mid-January 2021, four of Ireland’s largest banks joined forces to launch an instant payments digital payment app, dubbed Synch, that they intended to promote to help fend off the... read more

16 Dec 21 @ 13:46

The trend for outsourcing banking and payments services shows no sign of abating. James Wood asks why providers are outsourcing so much, and what’s going to happen next. It seems... read more

27 Oct 21 @ 11:23

In June 2021, BBVA Mexico became the first bank in Latin America to announce the rollout of biometric payment cards. Following launches in card-loving France and Switzerland, the world has... read more

24 Aug 21 @ 09:15

Credit cards are becoming less profitable for banks even as lower-cost alternatives such as buy-now-pay-later schemes and digital wallets with a credit function are emerging. If credit cards are to... read more

24 Aug 21 @ 09:06

The FinTech sector – often hyped as the answer to banks’ digitisation woes – demonstrated resilience during the COVID-19 pandemic, with leading FinTechs recording double-digit growth despite sector-wide operational and... read more