Insights

As 2018 draws to a close, so too does the first year of mandated Open Banking - a regulatory initiative to force banks to make customer data available and accessible to third party providers. But 2018 has also seen a slower uptake rate that "has been less than expected", according to Matt Perks, head of transformation at... read more

London has a “secret sauce” that keeps it ahead of the US and China. That’s according to Alastair Lukies, non-executive chairman of Innovate Finance and the Prime Minister’s business ambassador for fintech. “There’s a difference between disruptive fintech and enabling fintech. If you look at Silicon Valley, it... read more

Ethereum could experience an influx of institutional money, says Kevin Murcko, CEO of Coin Metro, following a request for public comment on the cryptocurrency from the Commodity Futures Trading Commission (CFTC). “As the CFTC wants to better understand the differences between ethereum, bitcoin and other altcoins in particular,” says... read more

The UK’s Open Banking regulators have failed to hold banks accountable to the Open Banking initiative, says Shefali Roy, chief compliance officer of TrueLayer and former CCO at Stripe. "Like human beings, when you are forced to do something, you really don't want to do it. They [the banks] have now come to the party in the sense... read more

A few weeks ago, two giants of the big data Hadoop era, Cloudera and Hortonworks, announced they would be merging. The announcement claimed it would be a “merger of equals.” It is fascinating to see these two groundbreaking pioneers coming together. I remember several years ago when they burst onto the technology scene. They promised... read more

Firms “completely consumed” by solving regulatory projects are holding back proper back office innovation in capital markets, according to Alastair Rutherford senior advisor for Nomura Research Institute. Speaking at an industry event in London this week, he argued that when companies are tying up “key resources” on... read more

The global rollout of EMVCo’s Three-Domain Secure protocol (3DS) continues in earnest as the card networks impose geographic deadlines for the implementation of 3DS2 (3DS 2.0, as it is also known) by 2019 and 2020. In the meantime, the card networks will take the stick to straggler merchants and issuers in the form of higher fees for... read more

We asked market participants to vote for their top fintech software providers for the year, and they obliged: the bobsguide 2018 Software Rankings voting system was inundated with votes from firms employing financial software solutions and now, we’re very pleased to announce those organisations that have really impressed their customers... read more

In today’s global marketplace, treasurers face the increasingly complex task of managing a corporation’s liquidity. As multinationals expand their overseas operations, more and more bank accounts are being opened for different geographic regions, currencies, and business needs. With so many accounts, bank account structuring and... read more