FINTECH Insights.

The term payment is an ancient concept. Rafi Ullah looks at the digital transformation of the payment system as we know it today.

Big Data and Artificial Intelligence technologies made profound changes to financial services. The next generation of financial technology powered by Blockchain will be an even bigger. Phil Toth talks about moving towards a decentralised payment system.

The evolution from paper gift vouchers is ongoing despite the world moving to electronic payment methods. Alan Smith talks about how to truly make a gift card digital.

For the past five years, the payments and banking industry has been in a constant state of flux. New entrants and well-known institutions are disrupting traditional services, shifting their focus to future-forward technologies in an attempt to solve the challenges of existing, incumbent infrastructure. Daria Rippingale talks about closing the gap between banking and payments.

It’s a well worn cliche that there has been more disruption in payments in the past five years, than the preceding fifty years since the dawn of the credit card. But while large tech brands and specific Fintech success stories have influenced a shift in payments thinking, very often it’s as a result of direct intervention. Rob Fernandes talk about the indirect disruption of payments – the strategists dream.

As fintechs continue to outpace banks in offering engaging services to consumers, banks need to come up with fresh ideas. Steve Lacourt discusses how banks use sandboxes and prototyping to accelerate innovation

Will API’s become the new advice products of tomorrow? Peter Smith writes about the opportunities for wealth management, investment advisory and independent financial advisers have to work in collaboration with FinTech’s and the banks to move market developments on as it becomes easier for customers to shop around for the best deals?

A common way of increasing revenue is to attract new customers, regardless of the cost, the strategy is to entice new customers with generous introductory offers. Sami Sulieman discusses affinity based loyalty in payments.

The massive amount of data generated by payments creates risks of breach and opportunity for financial crime, both where it is stored, and at the edge as it moves across systems and organisations. Mark McKeever writes about how to get the best value from payments data.

The last decade or so has been witness to seismic changes, which have shaken the very foundation of the banking tradition. Paul Marcantonio tells us what the future holds for fintech and other market players.

Consumers belonging to the older generations were never of much interest to most e-Commerce companies. Slow to adopt new technologies, unwilling to adapt to new models of engagement, distrustful of new payment methods – the myths abound. However is this really the case? Paul Marcantonio explains.

According to IBM’s statistics, the world creates 2.5 quintillion bytes of data a day. That’s 2.5 billion billion characters. Kashif Mumtaz discusses how there is little written about the value of data within banks other than in relation to risk management and how banks should use this data to grow.

James Borley examines how new rules and regulations in the payments sector are putting Heads of Compliance under major pressure to ensure their processes and procedures are up to date, adequate and compliant.

Suresh Sood looks at the new era of Behavioural e-commerce and predictive instant payments. The global rollout of real-time payment schemes otherwise known as instant payments is nearing completion through to 2020. In a world of big data from mobile devices the opportunity exists to rethink e-commerce and real-time payment technologies.

A new channel to promote financial inclusion By Mateus Gomes, Business Development – SalaryFits Employee financial wellbeing is fundamental to enhance engagement, productivity and lower

Cashless Payments Cashless Payments By Dakshesh Patel With 40.5% of its GDP in the informal sector, Africa has the highest rate of the shadow economy,

Ecosystem Evolution Ecosystem Evolution By Anastasios Avranas With the use of current technology we can move to decentralised models, powered by digital assets with the