Finextra Research: Latest fintech news, analysis, interviews, features and opinion by industry experts

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<button class="search-clear-button" type="reset"></button> </div> <a onclick="return testValue('ctl00_ctl22_tMobSearch2');" id="ctl00_ctl22_bMobSearch2" class="search-button" href="javascript:__doPostBack('ctl00$ctl22$bMobSearch2','')"> <span class="search-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/generalUI/Search.svg'); mask-image: url('/app_themes/earlgrey/images/icons/generalUI/Search.svg');"> </span> </a> </div> </div> </div> <div class="mobile-nav-top-live"> <a href="/channel/predictions" class="button button-icon-both button-secondary" role="button"> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/communityevents/Live.svg'); mask-image: url('/app_themes/earlgrey/images/icons/communityevents/Live.svg');"></span> <span class="button-text">Predict 2025</span> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg'); mask-image: 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class="mobile-nav-back-text">Back</span></a></li><li><a href="/community" class="dropdown-item dropdown-item-parent">Community</a></li><li><a href="/community" class="dropdown-item">Community latest</a></li><li><a href="/latest-blogs" class="dropdown-item">Latest expert opinions</a></li><li><a href="/blogs/groups.aspx" class="dropdown-item">Groups</a></li><li><a href="/community/members/search.aspx" class="dropdown-item">Search members</a></li></ul></li><li class="nav-item"><a href="/jobs" id="mvjobs" class="nav-link">Jobs</a></li><li class="nav-item"><a href="/open-banking-apis" id="mvapis" class="nav-link">APIs</a></li></ul>  </div> </div> </nav> </div> <div class="main-nav-fader-right"> </div> </div> </div> <div class="header-taxonomy-nav-section brand-gradient-category-nav"> <div class="container taxonomy-nav-scroll-fix"> <div class="row"> <div id="taxonomynavc1" class="col-12"> <nav id="taxonomynavbar" class="taxonomy-navbar" type="Category Navigation"> <ul id="ctl00_ctl22_ulChannels" class="nav"><li class="nav-item taxonomy-nav-item"><a href="/channel/payments" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">payments</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/markets" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">markets</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/retail" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">retail</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/wholesale" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">wholesale</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/wealth" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">wealth</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/regulation" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">regulation</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/crime" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">crime</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/crypto" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">crypto</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/sustainable" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">sustainable</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/startups" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">startups</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/devops" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">devops</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/identity" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">identity</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/security" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">security</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/cloud" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">cloud</span></a></li><li class="nav-item taxonomy-nav-item"><a href="/channel/ai" class="nav-link tax-button-default tax-button-slanted"><span class="tax-button-slanted-content">ai</span></a></li><li class="nav-item"><span class="tax-button-spacer"></span></li><li id="taxonomynavbutton" class="taxonomy-nav-button"><a><span id="taxonomynavbuttonicon" class="taxonomy-nav-button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/editing/Add.svg'); mask-image: url('/app_themes/earlgrey/images/icons/editing/Add.svg')"></span></a></li></ul> </nav> </div> </div> </div> </div> </header> <main> <div class="tv tv-category"> <script type="text/javascript"> function redirect() { //the link button will attempt to postback if you attempt tp make this method better by using code behind. var url = ""; var hid = document.getElementById('ctl00_body_SearchHeaderChannel_hSearchUrlExtras').value; var input = document.getElementById('ctl00_body_SearchHeaderChannel_searchInput').value; if (0 < input.length) { url = hid + "searchterm=" + input.trim().toLowerCase(); } //black magic tom-foolery setTimeout(function () { window.location.href = url; }, 0000); return false;//don't allow this to go from client side to server side - make "false" so processing stops } </script> <div class="container tv-header"> <div class="row align-items-center"> <div class="col-12 col-md-8"> <a href="/latest-videos"> <img src="/app_themes/earlgrey/images/logos/tv-logo2.svg" class="tv-header-logo" alt="Finextra TV"/> </a> </div> <div class="col-12 col-md-4"> <div id="ctl00_body_SearchHeaderChannel_pSearchBar" class="site-search-bar tv-site-search-bar full-width" onkeypress="javascript:return WebForm_FireDefaultButton(event, 'ctl00_body_SearchHeaderChannel_bSearch')"> <div class="search-input-container"> <input name="ctl00$body$SearchHeaderChannel$searchInput" type="search" id="ctl00_body_SearchHeaderChannel_searchInput" class="search-input" required="" placeholder="Search FinextraTV..." /> <button id="aSearchReset" class="search-clear-button" type="reset" onclick="searchResetRedirect('ctl00_body_SearchHeaderChannel_hSearchUrlExtras')"></button> </div> <input type="hidden" name="ctl00$body$SearchHeaderChannel$hSearchUrlExtras" id="ctl00_body_SearchHeaderChannel_hSearchUrlExtras" value="/videos/listing/predictions?" /> <a onclick="return redirect();" id="ctl00_body_SearchHeaderChannel_bSearch" class="search-button" type="button" onclientclick="redirect('ctl00_body_SearchHeaderChannel_hSearchUrlExtras','ctl00_body_SearchHeaderChannel_searchInput');return false;" href="javascript:__doPostBack('ctl00$body$SearchHeaderChannel$bSearch','')"> <span class="search-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/generalUI/Search.svg'); mask-image: url('/app_themes/earlgrey/images/icons/generalUI/Search.svg');"> </span> </a> </div> </div> </div> <div class="row align-items-end"> <div class="col-12 col-xl-7"> <div class="tv-results-info"> <h1>/predictions</h1> </div> </div> <div class="col-12 col-xl-5"> <div class="filter"> <div class="filter-button-mobile-container"> <a href="#" role="button" aria-expanded="false" aria-controls="filterContainer" class="filter-button-mobile filter-button button button-icon-both button-secondary"> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/filter/Filter.svg'); mask-image: url('/app_themes/earlgrey/images/icons/filter/Filter.svg');"></span> <span class="button-text">Show filters<span id="ctl00_body_SearchHeaderChannel_sMobSelect" class="button-text-selection first-letter-capitalize">Category, Channel</span></span><span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/editing/Add.svg'); mask-image: url('/app_themes/earlgrey/images/icons/editing/Add.svg');"></span> </a> </div> <div class="filter-container filter-form" id="filterContainer"> <div id="ctl00_body_SearchHeaderChannel_dChannel" class="filter-item-container filter-item-container-channel filter-dropdown-container"> <select name="ctl00$body$SearchHeaderChannel$sFilterChannel" id="ctl00_body_SearchHeaderChannel_sFilterChannel" class="filter-dropdown-select filter-dropdown-select-termPresent-noStyle"> <option value="/videos/channel/payments">payments</option> <option value="/videos/channel/people">people</option> <option value="/videos/channel/markets">markets</option> <option value="/videos/channel/inclusion">inclusion</option> <option value="/videos/channel/retail">retail</option> <option value="/videos/channel/wholesale">wholesale</option> <option value="/videos/channel/wealth">wealth</option> <option value="/videos/channel/regulation">regulation</option> <option value="/videos/channel/crime">crime</option> <option value="/videos/channel/crypto">crypto</option> <option value="/videos/channel/sibos">sibos</option> <option value="/videos/channel/sustainable">sustainable</option> <option value="/videos/channel/startups">startups</option> <option value="/videos/channel/devops">devops</option> <option value="/videos/channel/identity">identity</option> <option value="/videos/channel/security">security</option> <option value="/videos/channel/cloud">cloud</option> <option value="/videos/channel/ai">ai</option> <option selected="selected" value="/videos/channel/predictions">predictions</option> </select> <label for="ctl00_body_SearchHeaderChannel_sFilterChannel" id="ctl00_body_SearchHeaderChannel_lChannel" class="button filter-button filter-dropdown-label button-icon-both button-secondary"> <span class="button-icon"></span><span class="button-text">Select channel<span id="ctl00_body_SearchHeaderChannel_channelSelected" class="button-text-selection">predictions</span></span><span class="button-icon"></span> </label> <a href="/videos/channel" id="ctl00_body_SearchHeaderChannel_aChannelClear" class="filter-item-clear filter-dropdown-clear">clear</a> </div> <div id="ctl00_body_SearchHeaderChannel_dCategory" class="filter-item-container filter-item-container-category filter-dropdown-container"> <select name="ctl00$body$SearchHeaderChannel$sFilterCategory" id="ctl00_body_SearchHeaderChannel_sFilterCategory" class="filter-dropdown-select"> <option value="/videos/channel/predictions">All</option> <option value="/videos/channel/predictions?category=thought-leadership">Thought Leadership</option> <option value="/videos/channel/predictions?category=view-from">View From</option> <option value="/videos/channel/predictions?category=foresight">Foresight Series</option> <option value="/videos/channel/predictions?category=unplugged">Unplugged</option> </select> <label for="ctl00_body_SearchHeaderChannel_sFilterCategory" id="ctl00_body_SearchHeaderChannel_lcategory" class="button filter-button filter-dropdown-label button-icon-both button-secondary"> <span class="button-icon"></span><span class="button-text">Filter by category<span id="ctl00_body_SearchHeaderChannel_categorySelected" class="button-text-selection"></span></span><span class="button-icon"></span> </label> <a id="ctl00_body_SearchHeaderChannel_aCategoryClear" class="filter-item-clear filter-dropdown-clear">clear</a> </div> </div> </div> </div> </div> </div> <div class="container"> <div class="section-border"></div> </div> <div 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