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Articles by Terry Hubert
Tackling Rising Data Volumes in AML
High-quality data is the bedrock of an effective anti-money laundering (AML) and watchlist screening programme. Incomplete or inaccurate data can lead to false negatives, potentially allowing illicit activities to go unnoticed. Conversely, it can trigger false positives, leading to unnecessary investigations and resource wastage. With data volumes increasing exponentially, the risk of such data mismanagement is a growing concern for organisations.
Can we save DeFi from being Centralized?
DeFi - Addressing the Limitations of Traditional Finance. DeFi, or Decentralized Finance, aims to tackle several problems users face with traditional financial systems: Limited Access: Traditional finance often excludes people due to factors like geographical location, credit history, or minimum balance requirements. DeFi, built on blockchain technology, offers permissionless access, meaning anyone with an internet connection can participate.
Why Flexibility is Key for the Upcoming EU DORA Regulation
News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. Ever-increasing digitalisation is propelling the world of financial services to act faster and do more than ever before. One side effect of this is the increased risk posed by the failure of critical suppliers.
Transatlantic ties: Comparing the payments landscapes of the US and the UK
There is a famous phrase, which has been attributed to both Winston Churchill and George Bernard Shaw, that states the UK and the US are “two nations divided by a common language”. This refers to the fact both countries use the same language, but style, spellings, and meanings are often quite different. This analogy can easily be extended to payments.
MiCA Regulation - All you should know
The MiCA regulation has established a unanimous law to govern and regulate crypto assets. The regulation will clarify the crypto asset definition and categorize the types – utility, asset-referenced tokens (ART), and e-money tokens (EMT) – based on the risk factors it entails. For example, e-money and asset-referenced tokens will require higher capital and manage liquidity by specific standards.
Unleashing Potential: Harnessing Digital Payments in Emerging Markets
In the global arena of finance, emerging markets are increasingly becoming the epicentre of a profound shift in payment systems. As technology advances and connectivity spreads, these markets are experiencing a surge in the adoption of digital payment solutions, reshaping the way individuals and businesses, transact and interact with money. This article delves into the key drivers behind this growth, its impact on various stakeholders, and the opportunities and challenges it presents.
Direct Debit is having a moment - but don’t call it a comeback
Last week, when guest speaking on a webinar, I was posed with the question, “Direct Debit has been around for a while, but we’re seeing new uptake and new popularity. So, why is it making a comeback now?” Let’s start with this - Direct Debit has been here for years, so I don't call it a comeback. I would argue that Direct Debit has been consistent for years and in many markets, with many demographics and use cases, we’ve seen that there’s a preference for paying with your bank account.
RBI’s cautious approach kept India safe from BNPL issues
NatWest in UK last week announced that it is ditching its BNPL products and many experts not are attributing this due to the over crowded market and banks may gradually become less interested in these products. London still having a huge heft in the global financial market, has no regulation in place as yet and now Banks are left to decide by themselves to see what products are adding to their topline or are becoming a burden for their bottom line.
Ultimate Guide to Accessing Quick Cash in Columbus, Ohio
News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. Everyone has times when they need money fast. Maybe you're in Columbus, Ohio, facing an emergency or just short on cash until your next paycheck. That's where payday loans come in.
The Baltics Effect: The impact of the Baltics regulatory environment on the payments industry
News in your inbox For Finextra's free daily newsletter, breaking news and flashes and weekly job board. Channels Group External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. The Baltic States—Estonia, Latvia, and Lithuania—are appealing to numerous Payment Initiation Service (PIS) providers because they serve as an entry point to the entire Single Euro Payments Area (SEPA).
What does a Financial Institution need to consider when looking for a technical partner?
In today’s world of collaboration between the Financial Institutions and Fintech there could be a number of reasons for looking to partner with a technical provider rather than attempt to create a new product internally. A subject previously discussed. Whether looking to modernise incumbent infrastructure, maybe launching additional new products without impacting current infrastructure or integrating Third Party Services to either create efficiencies in workflows or enhance value for customers.
Unlocking Economic Potential: The Rapid Growth of Payments in Southeast Asia
In the bustling and dynamic region of Southeast Asia, a transformation is underway in the realm of payments. As technological innovation accelerates and digital infrastructure expands, Southeast Asia is experiencing a surge in the adoption of digital payment solutions, revolutionising the way people transact and interact with money. This article explores the factors driving this growth, the impact on businesses and consumers, and the challenges and opportunities that lie ahead.
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