FINTECH Insights.

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

Payology – The need to Educate Generation Z Payology – The need to educate Generation Z By Sarah Broughton ‘Payology’. Pay-what? A Generation Z kid

Exploring the UK Regulatory Environment on Blockchain Exploring the UK regulatory environment on Blockchain and Crypto Transfers By Hamza Basyouni In January 2018, changes to

Digital transformation is a priority of Societe Generale’s “Transform to Grow” strategic plan. Societe Generale in the UK partnered with FINTECH Circle to run its acceleration program to test more agile working methods, design thinking and fast prototyping to develop internal projects.

2018 became the year, where Danish insurtech finally took the leap. We celebrated the great news by introducing the insurtech-prize to reward the “Greatest Danish insurtech-news 2018”.

Congratulations to those who have submitted their proposed chapters for The PAYTECH Book. We had a great response with over 170 submissions from global payment experts.

SME insurance is an $80billion industry in the US – and there are over 5.7million SMEs in the UK – so why is this huge financial opportunity universally underserved.

Outside the West, FinTech has had enormous success in Africa, Asia, and Latin America. Africa’s land area and population dynamics means rural areas are often left without access to secure banking, but FinTech is changing that.