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datetime="2025-02-14 00:01:00Z">14 February</time> <span class="card-icon counter twitter">2</span><span class="card-icon counter linkedin">8</span> </p> </div> </div> </div> </div> </div> <div class="column col-12 col-lg-6 col-xl-4"> <div class="card card--article"> <div class="row"> <div class="col-4 col-md-12 card-img-container"> <a href="/newsarticle/45507/nextgen-nordics-2025-agenda-to-cover-dora-vop-cbdc-instant-payments-fraud-and-genai" arial-label="Read article: NextGen Nordics 2025 agenda to cover DORA, VoP, CBDC, instant payments, fraud, and GenAI" > <img src="/finextra-images/top_pics/xl/ana-borquez-uf4pfwzpor8-unsplash.jpg" loading="lazy" class="card-img" alt="NextGen Nordics 2025 agenda to cover DORA, VoP, CBDC, instant payments, fraud, and GenAI" /> </a> </div> <div class="col-8 col-md-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_SecondaryNews_rItems_ctl01_hTitle" aria-label="Read article: NextGen Nordics 2025 agenda to cover DORA, VoP, CBDC, instant payments, fraud, and GenAI" href="/newsarticle/45507/nextgen-nordics-2025-agenda-to-cover-dora-vop-cbdc-instant-payments-fraud-and-genai">NextGen Nordics 2025 agenda to cover DORA, VoP, CBDC, instant payments, fraud, and GenAI</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-13 13:45:00Z">13 February</time> <span class="card-icon counter linkedin">1</span> </p> </div> </div> </div> </div> </div> <div class="column col-12 col-lg-6 col-xl-4"> <div class="card card--article"> <div class="row"> <div class="col-4 col-md-12 card-img-container"> <a href="/newsarticle/45506/commerzbank-to-cut-3900-jobs" arial-label="Read article: Commerzbank to cut 3900 jobs" > <img src="/finextra-images/top_pics/xl/5175.jpg" loading="lazy" class="card-img" alt="Commerzbank to cut 3900 jobs" /> </a> </div> <div class="col-8 col-md-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_SecondaryNews_rItems_ctl02_hTitle" aria-label="Read article: Commerzbank to cut 3900 jobs" href="/newsarticle/45506/commerzbank-to-cut-3900-jobs">Commerzbank to cut 3900 jobs</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-13 11:51:00Z">13 February</time> <span class="card-icon counter twitter">1</span><span class="card-icon counter linkedin">1</span> </p> </div> </div> </div> </div> </div> <div class="column col-12 col-lg-6 col-xl-4"> <div class="card card--article"> <div class="row"> <div class="col-4 col-md-12 card-img-container"> <a href="/newsarticle/45505/etoro-files-for-ipo" arial-label="Read article: EToro files for IPO" > <img src="/finextra-images/top_pics/xl/2765.jpg" loading="lazy" class="card-img" alt="EToro files for IPO" /> </a> </div> <div class="col-8 col-md-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_SecondaryNews_rItems_ctl03_hTitle" aria-label="Read article: EToro files for IPO" href="/newsarticle/45505/etoro-files-for-ipo">EToro files for IPO</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-13 11:34:00Z">13 February</time> </p> </div> </div> </div> </div> </div> <div class="column col-12 col-lg-6 col-xl-4"> <div class="card card--article"> <div class="row"> <div class="col-4 col-md-12 card-img-container"> <a href="/newsarticle/45503/oneid-scoops-new-funding-from-acf-investors" arial-label="Read article: OneID scoops new funding from ACF Investors" > <img src="/finextra-images/top_pics/xl/paulasussex.jpg" loading="lazy" class="card-img" alt="OneID scoops new funding from ACF Investors" /> </a> </div> <div class="col-8 col-md-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_SecondaryNews_rItems_ctl04_hTitle" aria-label="Read article: OneID scoops new funding from ACF Investors" href="/newsarticle/45503/oneid-scoops-new-funding-from-acf-investors">OneID scoops new funding from ACF Investors</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-13 09:06:00Z">13 February</time> </p> </div> </div> </div> </div> </div> <div class="column col-12 col-lg-6 col-xl-4"> <div class="card card--article"> <div class="row"> <div class="col-4 col-md-12 card-img-container"> <a href="/newsarticle/45499/third-of-central-banks-delay-cbdc-timelines" arial-label="Read article: Third of central banks delay CBDC timelines" > <img src="/finextra-images/top_pics/xl/us-dollar-red.jpg" loading="lazy" class="card-img" alt="Third of central banks delay CBDC timelines" /> </a> </div> <div class="col-8 col-md-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_SecondaryNews_rItems_ctl05_hTitle" aria-label="Read article: Third of central banks delay CBDC timelines" href="/newsarticle/45499/third-of-central-banks-delay-cbdc-timelines">Third of central banks delay CBDC timelines</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-13 00:01:00Z">13 February</time> <span class="card-icon counter twitter">2</span><span class="card-icon counter linkedin">4</span> </p> </div> </div> </div> </div> </div>  <div class="column col-12 more-news"> <a href="/latest-news/retail" id="ctl00_ctl00_body_bodyLevel_SecondaryNews_aAll" class="button button-icon-right button-primary button-center"> <span id="ctl00_ctl00_body_bodyLevel_SecondaryNews_sAnchorText" class="button-text">All /retail news</span> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg'); mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg');"></span> </a> </div> </div> </div> </div> </div> </section> <section 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calendar" datetime="2025-02-14 10:51:00Z">14 February</time></p> </div> </div> </div> </div> </div> </div> </section>  <section class="section--homepage-latestcommunity"> <div class="container"> <div class="row community-joinbanner"> <div class="col-12 col-md-6 col-xl-5"> <div class="community-text"> <h2 class="h1">Join the Community</h2> <p>Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community.</p> <p>Access unique research, content, and real-time alerts, services – free to registered members. </p> <p class="community-stats"> <span class="stat-item"> <span class="stat-value">44,613</span> <span class="stat-text">Members</span> </span>   <span class="stat-item"> <span class="stat-value">22,552</span> <span class="stat-text">Expert opinions</span> </span> </p> <p class="community-buttons"> <a class="button button-icon-left button-primary button-large button-center" href="/community/register.aspx" rel="nofollow"> <span 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</div> </div> <div class="col-12 col-md-6 col-xl-7"> <div class="community-image"> <img src="/app_themes/earlgrey/images/community/community-banner.webp" alt="" /> </div> </div> </div>  <div class="row community-posts"> <div class="col-12 col-md-8 col-lg-9 main-column"> <div id="ctl00_ctl00_body_bodyLevel_Top5Choice_dChannel" class="channel-section-title">/retail</div> <h2 class="h2"> Expert opinions </h2>  <div class="card card--post no-post-img"> <div class="row"> <div class="col-2 col-md-1 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl00_hBlogger" aria-label="link to author: Nick Green" href="/bloggers/129568"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_129568_nick_green.jpg" alt="Nick Green" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-10 col-md-11 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl00_hMember" aria-label="link to author: Nick Green" href="/bloggers/129568">Nick Green</a> Director at Purple Patch Broking Ltd</p> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl00_hTitle" aria-label="Read article: How to avoid the 20% plus credit bureau price hikes in 2025" href="/blogposting/27823/how-to-avoid-the-20-plus-credit-bureau-price-hikes-in-2025">How to avoid the 20% plus credit bureau price hikes in 2025</a> </h3> <p class="card-text"> You’ve seen the headlines: credit reporting costs are climbing, and lenders are footing the bill. But let’s break down what’s actually driving these increases: 20%+ rise in credit bureau data costs It’s not just FICO. Credit bureaux themselves are adjusting their pricing models, and some mortgage lenders expect a minimum 20% increase in credit </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-11 09:33:51Z">11 February</time> <span class="card-channels"> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> <a href="/channel/inclusion" class="card-channel-link" arial-label="link to channel: /channel/inclusion">/inclusion</a> </span> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl00_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Banking and Lending Solutions" href="/community-group/175/banking-and-lending-solutions">Banking and Lending Solutions</a> </p> </div> </div> </div> </div> <div class="card card--post no-post-img"> <div class="row"> <div class="col-2 col-md-1 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl01_hBlogger" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_86481_alex_kreger_16.jpg" alt="Alex Kreger" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-10 col-md-11 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl01_hMember" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger">Alex Kreger</a> Founder & CEO at UXDA</p> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl01_hTitle" aria-label="Read article: How Innovation Can Ruin Financial Brands Consistency and Users Trust" href="/blogposting/27819/how-innovation-can-ruin-financial-brands-consistency-and-users-trust">How Innovation Can Ruin Financial Brands Consistency and Users Trust</a> </h3> <p class="card-text"> Digital transformation and innovation is an ongoing process that is aimed to enhance user experience and streamline banking services. However, if executed poorly, it can have the opposite effect—fragmenting the brand experience and damaging customer trust. Inexperienced implementation can lead to confusion and frustration, causing users to make m... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-10 14:08:58Z">10 February</time> <span class="card-channels"> <a href="/channel/ai" class="card-channel-link" arial-label="link to channel: /channel/ai">/ai</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl01_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Innovation in Financial Services" href="/community-group/33/innovation-in-financial-services">Innovation in Financial Services</a> </p> </div> </div> </div> </div> <div class="card card--post no-post-img"> <div class="row"> <div class="col-2 col-md-1 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl02_hBlogger" aria-label="link to author: Brad Strock" href="/bloggers/159906"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_159906_brad_strock_3.jpg" alt="Brad Strock" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-10 col-md-11 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl02_hMember" aria-label="link to author: Brad Strock" href="/bloggers/159906">Brad Strock</a> SVP, Group Executive, Payments at FIS</p> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl02_hTitle" aria-label="Read article: Revolutionizing Credit Cards: Trends and Challenges Shaping the Future" href="/blogposting/27814/revolutionizing-credit-cards-trends-and-challenges-shaping-the-future">Revolutionizing Credit Cards: Trends and Challenges Shaping the Future</a> </h3> <p class="card-text"> As we look ahead to the future of the credit card market, several key themes are emerging that will shape the industry in the coming years. The payment industry continues to evolve rapidly, and credit cards are no exception. Despite being a more mature payment product, credit cards are expected to remain among the fastest-growing payment types, wi... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-10 09:52:37Z">10 February</time> <span class="card-channels"> <a href="/channel/payments" class="card-channel-link" arial-label="link to channel: /channel/payments">/payments</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl02_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:The Payments Business" href="/community-group/122/the-payments-business">The Payments Business</a> </p> </div> </div> </div> </div> <div class="card card--post no-post-img"> <div class="row"> <div class="col-2 col-md-1 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl03_hBlogger" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl03_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_86481_alex_kreger_16.jpg" alt="Alex Kreger" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-10 col-md-11 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl03_hMember" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger">Alex Kreger</a> Founder & CEO at UXDA</p> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl03_hTitle" aria-label="Read article: The Risk of AI-Driven Banking Commoditization" href="/blogposting/27801/the-risk-of-ai-driven-banking-commoditization">The Risk of AI-Driven Banking Commoditization</a> </h3> <p class="card-text"> Banks are rushing to integrate AI into their digital ecosystems, promising hyper-personalization, frictionless experiences, and advanced financial guidance. But what if the real consequence of AI adoption is the death of differentiation for banking brands? AI Will Flatten the Competitive Landscape In the near future, the banking industry will unde... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-07 09:48:18Z">07 February</time> <span class="card-channels"> <a href="/channel/ai" class="card-channel-link" arial-label="link to channel: /channel/ai">/ai</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl03_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Artificial Intelligence and Financial Services" href="/community-group/120/artificial-intelligence-and-financial-services">Artificial Intelligence and Financial Services</a> </p> </div> </div> </div> </div> <div class="card card--post no-post-img"> <div class="row"> <div class="col-2 col-md-1 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl04_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl04_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-10 col-md-11 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl04_hMember" aria-label="link to author: Joris Lochy" href="/bloggers/92058">Joris Lochy</a> Product Manager at Intix | Co-founder at Capilever</p> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl04_hTitle" aria-label="Read article: Why Passive Portfolios Thrive—and Where Advisors Still Add Value" href="/blogposting/27772/why-passive-portfolios-thriveand-where-advisors-still-add-value">Why Passive Portfolios Thrive—and Where Advisors Still Add Value</a> </h3> <p class="card-text"> In recent years, passive investing has gained significant popularity, particularly through low-cost, well-diversified ETF (Exchange-Traded Fund) portfolios. In Belgium, the term "hangmatbeleggen" (Dutch for "hammock investing," referring to this relaxed investment approach) was even named the word of the year in 2024. This sty </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-03 20:19:47Z">03 February</time> <span class="card-channels"> <a href="/channel/wealth" class="card-channel-link" arial-label="link to channel: /channel/wealth">/wealth</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_Top5Choice_rBlogs_ctl04_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Banking" href="/community-group/193/banking">Banking</a> </p> </div> </div> </div> </div>  <div class="cta-row"> <a href="/latest-blogs/retail" id="ctl00_ctl00_body_bodyLevel_Top5Choice_aAll" class="button button-icon-right button-primary button-center"> <span id="ctl00_ctl00_body_bodyLevel_Top5Choice_sAnchorText" class="button-text">All community in /retail</span> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg'); mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg');"></span> </a> </div> </div> <div class="col-12 col-md-4 col-lg-3 side-column"> <div id="ctl00_ctl00_body_bodyLevel_TopTrending_dChannel" class="channel-section-title">/retail</div> <h3 class="h3">Trending</h3> <div class="blog-posts">  <div class="card card--post-small"> <div class="row"> <div class="col-3 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl00_hBlogger" aria-label="link to author: Luigi Wewege" href="/bloggers/luigi-wewege"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_139915_luigi_wewege_9.jpg" alt="Luigi Wewege" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl00_hMember" aria-label="link to author: Luigi Wewege" href="/bloggers/luigi-wewege">Luigi Wewege</a> President at Caye International Bank</p> <h4 class="card-title h6"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl00_hTitle" aria-label="Read article: Legacy Banking vs. Offshore Banking: A Comparative Analysis of Two Financial Paradigms" href="/blogposting/27853/legacy-banking-vs-offshore-banking-a-comparative-analysis-of-two-financial-paradigms">Legacy Banking vs. Offshore Banking: A Comparative Analysis of Two Financial Paradigms</a> </h4> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-15 22:10:27Z">15 February</time> </p> </div> </div> </div> </div>  <div class="card card--post-small"> <div class="row"> <div class="col-3 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl01_hBlogger" aria-label="link to author: Venkatesh P" href="/bloggers/85087"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_85087_venkatesh_p.jpg" alt="Venkatesh P" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl01_hMember" aria-label="link to author: Venkatesh P" href="/bloggers/85087">Venkatesh P</a> Co-Founder and Director at Maveric Systems</p> <h4 class="card-title h6"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl01_hTitle" aria-label="Read article: Quick-Win AI Strategies for Banks" href="/blogposting/27851/quick-win-ai-strategies-for-banks">Quick-Win AI Strategies for Banks</a> </h4> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-15 04:09:36Z">15 February</time> </p> </div> </div> </div> </div>  <div class="card card--post-small"> <div class="row"> <div class="col-3 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl02_hBlogger" aria-label="link to author: Nick Green" href="/bloggers/129568"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_129568_nick_green.jpg" alt="Nick Green" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl02_hMember" aria-label="link to author: Nick Green" href="/bloggers/129568">Nick Green</a> Director at Purple Patch Broking Ltd</p> <h4 class="card-title h6"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl02_hTitle" aria-label="Read article: How to avoid the 20% plus credit bureau price hikes in 2025" href="/blogposting/27823/how-to-avoid-the-20-plus-credit-bureau-price-hikes-in-2025">How to avoid the 20% plus credit bureau price hikes in 2025</a> </h4> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-11 09:33:51Z">11 February</time> </p> </div> </div> </div> </div>  <div class="card card--post-small"> <div class="row"> <div class="col-3 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl03_hBlogger" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl03_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_86481_alex_kreger_16.jpg" alt="Alex Kreger" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl03_hMember" aria-label="link to author: Alex Kreger" href="/bloggers/alex-kreger">Alex Kreger</a> Founder & CEO at UXDA</p> <h4 class="card-title h6"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl03_hTitle" aria-label="Read article: How Innovation Can Ruin Financial Brands Consistency and Users Trust" href="/blogposting/27819/how-innovation-can-ruin-financial-brands-consistency-and-users-trust">How Innovation Can Ruin Financial Brands Consistency and Users Trust</a> </h4> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-10 14:08:58Z">10 February</time> </p> </div> </div> </div> </div>  <div class="card card--post-small"> <div class="row"> <div class="col-3 card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl04_hBlogger" aria-label="link to author: Brad Strock" href="/bloggers/159906"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl04_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_159906_brad_strock_3.jpg" alt="Brad Strock" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="col-9 card-body-container"> <div class="card-body"> <p class="card-profile"><a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl04_hMember" aria-label="link to author: Brad Strock" href="/bloggers/159906">Brad Strock</a> SVP, Group Executive, Payments at FIS</p> <h4 class="card-title h6"> <a id="ctl00_ctl00_body_bodyLevel_TopTrending_rBlogs_ctl04_hTitle" aria-label="Read article: Revolutionizing Credit Cards: Trends and Challenges Shaping the Future" href="/blogposting/27814/revolutionizing-credit-cards-trends-and-challenges-shaping-the-future">Revolutionizing Credit Cards: Trends and Challenges Shaping the Future</a> </h4> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-10 09:52:37Z">10 February</time> </p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="section--homepage-research light-grey-bg channel">  <div class="container"> <div class="row"> <div class="col-12"> <div id="ctl00_ctl00_body_bodyLevel_LatestResearch_dChannel" class="channel-section-title">/retail</div> <h2 class="h2"> Research </h2> </div> </div> <div class="row card-row"> <div class="col-12 col-md-4"> <div class="card card--article card-fullWidth"> <div class="row"> <div class="col-12 card-img-container"> <a href="/researcharticle/326/uk-open-banking-api-performance-2023-2024" arial-label="Download report: UK Open Banking API Performance 2023-2024" > <img src="/finextra-images/top_pics/xl/apicontext-paper-13012025-hp.jpg" loading="lazy" class="card-img" alt="UK Open Banking API Performance 2023-2024" /> </a> </div> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-tag card-tag-light card-tag-report-type">White Paper</p> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_LatestResearch_rItems_ctl00_hypHeadline" rel="nofollow" aria-label="Read article: UK Open Banking API Performance 2023-2024" href="/researcharticle/326/uk-open-banking-api-performance-2023-2024">UK Open Banking API Performance 2023-2024</a> </h3> <p class="card-text"> In this fourth annual report, APIContext evaluated the performance of UK Open Banking APIs from 1 July 2023 to 30 June 2024. The UK’s Open Banking system is arguably the most advanced in the world, having been in place since at least 2018. The time in market for this ecosystem offers lessons and best practices to other countries that are looking to implement similar API-driven financial systems; as well as banks and financial institutions that seek to differentiate through quality customer experiences. In this updated report, APIContext evaluates the performance of Open Banking APIs provided by various types of financial institutions in the UK. These include the major “CMA9” banks (the nine largest banks required by UK law to provide Open Banking services), traditional High Street banks, credit card companies, building societies (similar to credit unions in the United States), and new digital banks, often called neobanks. All the data in this report are based on real API calls, having tested the APIs in real-world conditions using the same process that consumers would go through. These calls followed the FAPI (Financial-grade API) standards, which are specifically designed for securely sharing sensitive financial data. The report includes: Key analysis of the UK's Open Banking API performance 2023 - 2024 Availability and reliability of API endpoints Latency metrics (DNS, TCP connect, SSL handshake, processing, and total time) Performance by cloud provider (AWS, IBM, Azure, and Google) Comparative analysis between different bank types (CMA9, traditional, and neobanks) Cloud provider comparison and other detailed findings Key takeaways and recommendations for various players in the ecosystem </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-01-13 00:00:00Z">13 January 2025</time> <span class="card-icon download">393 downloads</span> </p> </div> </div> </div> </div> </div> <div class="col-12 col-md-4"> <div class="card card--article card-fullWidth"> <div class="row"> <div class="col-12 card-img-container"> <a href="/researcharticle/325/ais-role-in-the-us-financial-services-sector" arial-label="Download report: AI’s Role in the US Financial Services Sector" > <img src="/finextra-images/top_pics/xl/finextra-paper-08012025-hp.jpg" loading="lazy" class="card-img" alt="AI’s Role in the US Financial Services Sector" /> </a> </div> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-tag card-tag-light card-tag-report-type">Event Report</p> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_LatestResearch_rItems_ctl01_hypHeadline" rel="nofollow" aria-label="Read article: AI’s Role in the US Financial Services Sector" href="/researcharticle/325/ais-role-in-the-us-financial-services-sector">AI’s Role in the US Financial Services Sector</a> </h3> <p class="card-text"> How US organisations are balancing innovation and compliance The regulatory landscape for AI in the US is fragmented, with states proposing their own regulations. California’s recent attempt to regulate AI through SB1047, which included provisions for a kill switch and legal liabilities for tech companies, failed to pass. This illustrates the complexities and challenges in creating a unified regulatory framework across the country. Despite regulatory uncertainties, AI adoption in financial services is growing. About 50% of companies have embraced generative AI, while traditional AI applications have been integral for decades. AI has been crucial in areas such as anti-money laundering, fraud protection, and know-your-customer (KYC) processes. The full potential of AI in data management and client services is yet to be realised, with many applications still in internal testing stages. This report highlights the key takeaways of a discussion had during a Finextra webinar, hosted for the PREDICT 2025 campaign, by a panel of industry experts. It includes: An overview of how AI has been adopted across the US thus far; How generative AI has been integrated into banking; Primary concerns with AI use; and Regional perspectives and approaches to AI regulation. </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-01-08 00:00:00Z">08 January 2025</time> <span class="card-icon download">250 downloads</span> </p> </div> </div> </div> </div> </div> <div class="col-12 col-md-4"> <div class="card card--article card-fullWidth"> <div class="row"> <div class="col-12 card-img-container"> <a href="/researcharticle/324/catering-to-a-new-generation-through-unified-card-programmes" arial-label="Download report: Catering to a new generation through unified card programmes" > <img src="/finextra-images/top_pics/xl/fis-paper-06122024-hp-a.jpg" loading="lazy" class="card-img" alt="Catering to a new generation through unified card programmes" /> </a> </div> <div class="col-12 card-body-container"> <div class="card-body"> <p class="card-tag card-tag-light card-tag-report-type">Impact Study</p> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_LatestResearch_rItems_ctl02_hypHeadline" rel="nofollow" aria-label="Read article: Catering to a new generation through unified card programmes" href="/researcharticle/324/catering-to-a-new-generation-through-unified-card-programmes">Catering to a new generation through unified card programmes</a> </h3> <p class="card-text"> How Gen Z is changing the payments landscape, why operational costs are soaring, and how a unified card programme can help financial institutions to unlock a competitive advantage and drive growth. Globalisation continues to shape the market as money moves between banks, businesses and even countries quicker and in higher numbers than ever before. Both debit and credit cards remain vital in today’s payment experience but changing consumer demands and the surging popularity of neobanks leave traditional banks fighting for top-of-wallet status.  On one hand, traditional banks are battling surging operational costs. From a functionality point of view, the world is getting smaller. Today, there is not much perceived difference to the consumer between debit cards, credit cards, and prepaid cards. Yet behind the scenes, many banks run each of these products in different platforms and set-ups, each racking up its own costs.  Add to this mix services like personal loans/buy now, pay later (BNPL) schemes and increasing regulatory demands, you have created the perfect storm: Having to bolt on a new, disparate system every time the services are extended – which costs time, money, and adds high regulatory burden.  On the other hand, the consumer expectations of a new generations are shaping the market. Gen Z’s preference for digital, seamless payment methods is changing the financial landscape and traditional banks need to adapt their service offerings in order to match these new demands.  This impact study, produced in association with FIS, explores:  Increasing cost pressures: Why operational costs are soaring  How a new generation is shaping the payments landscape  Tackling change: The benefits of a unified card programme  Case studies: A practical approach to change    Watch the on-demand Finextra webinar with FIS - Unifying card programmes: The cost-reduction imperative   </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-12-06 00:00:00Z">06 December 2024</time> <span class="card-icon download">242 downloads</span> </p> </div> </div> </div> </div> </div> </div> <div class="row"> <div class="col-12 text-end"> <div class="button-container"> <a href="/research/retail" id="ctl00_ctl00_body_bodyLevel_LatestResearch_aAll" class="button 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href="/videoarticle/3207/the-future-of-payment-authentication" arial-label="Watch video: The Future of Payment Authentication" > <img src="/finextra-images/top_pics/xl/predict25-andrew-shikiar.jpg" loading="lazy" class="card-img" alt="The Future of Payment Authentication" /> </a> </div> <div class="col-12 card-body-container"> <div class="card-body"> <h3 class="card-title h4"> <a id="ctl00_ctl00_body_bodyLevel_Videos_hTitle" aria-label="Watch video: The Future of Payment Authentication" href="/videoarticle/3207/the-future-of-payment-authentication">The Future of Payment Authentication</a> </h3> <p class="card-text">In this PREDICT 2025 USA interview, Andrew Shikiar, Executive Director and CEO, FIDO Alliance, discusses how the industry has been exploring the death of the password for decades, how this conversation has evolved and where we are with passkeys today – pinpointing why making progress with eliminating dependence on passwords is of paramount importance.</p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-11-21 11:23:00Z">21 November 2024</time> </p> </div> </div> </div> </div> </div> <div class="col-12 col-md-7 side-column">  <div class="card card--article card-lighter"> <div class="row"> <div class="col-4 col-md-5 col-lg-4 col-xl-3 card-img-container"> <a href="/videoarticle/3231/genai-agentic-ai-and-their-place-in-modern-banking" arial-label="Watch video: GenAI, Agentic AI and Their Place in Modern Banking" > <img src="/finextra-images/top_pics/xl/barb-morgan-3.png" loading="lazy" class="card-img" alt="GenAI, Agentic AI and Their Place in Modern Banking" /> </a> </div> <div class="col-8 col-md-7 col-lg-8 col-xl-9 card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Videos_rVideos_ctl00_hTitle" aria-label="Watch video: GenAI, Agentic AI and Their Place in Modern Banking" href="/videoarticle/3231/genai-agentic-ai-and-their-place-in-modern-banking">GenAI, Agentic AI and Their Place in Modern Banking</a> </h3> <p class="card-baseline"> <time class="card-timestamp card-icon clock" datetime="2025-02-17 08:00:00Z">59 mins</time> </p> </div> </div> </div> </div>  <div class="card card--article card-lighter"> <div class="row"> <div class="col-4 col-md-5 col-lg-4 col-xl-3 card-img-container"> <a href="/videoarticle/3228/mambu-predictions-report-provides-expert-insights-for-success-in-2025" arial-label="Watch video: Mambu: Predictions report provides expert insights for success in 2025" > <img src="/finextra-images/top_pics/xl/predict25-anthony-nonnis.jpg" loading="lazy" class="card-img" alt="Mambu: Predictions report provides expert insights for success in 2025" /> </a> </div> <div class="col-8 col-md-7 col-lg-8 col-xl-9 card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Videos_rVideos_ctl01_hTitle" 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We’re about to find out, if stories circulating recently through Wall Street and Washington, DC are true. According to many major ...</p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-12-23 09:00:00Z">23 December 2024</time> </p> </div> </div> </div> </div>  <div class="cta-row"> <a href="/latest-long-reads/retail" id="ctl00_ctl00_body_bodyLevel_LatestSummaryLongReads_aAll" class="button button-icon-right button-primary button-center"> <span id="ctl00_ctl00_body_bodyLevel_LatestSummaryLongReads_sAnchorText" class="button-text">All /retail long reads</span> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg'); mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg');"></span> </a> </div> </div> </div> </div>  </section> </div> </div> </section> </div> </main>  <div class="cookie-policy"> <div class="box cookie-policy--container"> <div class="cookie-policy--container--content"> <p class="p-compact-p-md">Welcome to Finextra. 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