The ‘Boots’ theory of socioeconomic unfairness
The people who need fair credit products the most may not have access. That’s economic unfairness.
Analysis
State of play: GenAI in financial services
Generative AI is currently in the ‘experimental phase’ in the financial services industry.
Are we AI ready?
As we continue to layer AI technology into our day-to-day lives, the risks continue to multiply.
A glance ahead: the European payments landscape in 2024
2024 is set to be a year of innovation and change for the European payments landscape.
The intersection of finance and sustainability
Companies such as HeavyFinance in Lithuania are combining fintech with sustainable agricultural practices.
This can’t be right
The only way to support people who need money is to give them fair, affordable and speedy access to it.
Driving competitive advantage in financial services with UX research
The role of UX is to be the voice of the customer in the journey of transformation and solution discovery.
The irony of incumbent core banking vendors
Incumbent core banking vendors have become the very thing they have been selling banks to replace.
Skin in the game
An organisation that lives by its values is worth more than gold.
Regulators should greenlight more M&A among banks and fintechs to avoid bankruptcies
Consolidation and M&As can create an environment where dynamic regional banking ecosystems can flourish.
AI, BaaS and identity: Inside day one of the Fintech Talents Festival
Hosted at The Brewery, London, the festival has this year attracted over 2,000 delegates and 400 speakers.
Unlocking Alpha: how AI is helping investors fine-tune their strategies
FinTech Futures speaks with the founders of 3AI to discuss how AI technology can transform investing strategies.
Improving safety in AI
Having regulators test AI before release will ensure a much better understanding of its capabilities.
Q&A: Nauman Anees, co-founder and CEO of ThinkMarkets, on proprietary technology, expansion and growth vision
The mindset of today’s investors and the importance of maintaining a competitive edge.
Tennis with an octopus
If eight balls are being thrown at you where you were meant to get just one, some may get through that shouldn’t.
Customers, employees, shareholders: the laser focus of successful digital transformations
Incorporating a customer lens in your digital transformation can boost both revenue and employee satisfaction.
The new, new thing needs old-fashioned management skills
Swapping out payments technology or core banking at a large firm is “almost like heart surgery”.
Digital transformations: aligning incentives to the transformation strategy
Aligning team and employee incentives to the strategic goals of the transformation is crucial to its success.
Walking the talk with composable banking
Composable architecture creates real flexibility for banks looking to make changes to their cores.
Mainframe as a service
Mainframes are alive and well. But everyone knows they will have to eventually move off them.
The unfolding landscape of open banking
As regulatory sands shift, businesses should be confident moving towards open banking.
Early Warning’s digital wallet offering Paze readies for launch as the US’ biggest banks look to fend off Big Tech
Paze MD James Anderson chats with FinTech Futures about the fintech’s upcoming product launch.
Dodging a dark data disaster
The amount of dark data being collected by firms is increasing, and its overall environmental impact is massive.
The plague of learned helplessness
You don’t always get good options. But there are always options. So show up and make the choices.
Embracing the future: the intersection of fintech and sustainable investing
Fintech needs to evolve to drive a new era of tech-driven sustainable investing in line with changing societal values.
Is this the end of banks as we know them?
Let’s be realistic. “Digital” banking alone is not going to kill off “legacy” or incumbent banks anytime soon.
Living within your means
For people in the money business, we are not very good at talking about money.
Storytelling through numbers: how compelling narratives drive ESG investment choices
The challenge lies not only in presenting ESG data, but doing so in a manner that resonates, educates, and inspires.
AI-powered decisioning is crucial to maximise customer lifetime value
The right decisioning platform that is all-encompassing is key to long-term success, growth, and profitability.
Can banks connect the dots in their pursuit of sustainability?
As ESG transitions towards a matter of law and compliance, a lack of focus could have very serious consequences.
Breaking Moloch: the game theory monster in AI, economics and beyond
Can banks stop their self-destructive tendencies and escape the race to the bottom?
Not paid enough for this
Don’t burn yourself out with work. This is a marathon, not a sprint. Don’t forget to look after yourself.
Can you seek out the line that we cannot see?
If you have the power of the pen but you choose to look the other way, then what hope do the rest of the people have?
Is “digital transformation” a redundant concept?
Perhaps it’s time to move on from digital transformation and welcome the new era of “organisational evolution”.
Can core modernisation give your bank new legs?
For banks, core replacement is not the only game in town, with core modernisation being a far less risky option.
Mainframes on Mars
What do you think we should do differently as the banking industry on Mars? First, lose the mainframes.
Digital transformations: give yourself permission to start again
If your digital transformation is failing, sometimes you just have to hit the reset button.
AI: Will it help or hinder compliance?
AI can’t replicate human nuance nor can it fully comprehend the human motivations for committing fraud.
Nine questions banks should ask a potential core technology partner
Useful tips on finding a partner that provides a balance of exceptional tech and service.
GenAI: friend or foe in fraud risk management?
While tech advancements are made with the best intentions to improve our lives, criminals can also use it to their own benefit.
