Regulation

Balancing innovation with robust governance framework

Financial institutions must adopt robust governance to protect customers. To prioritise compliance in 2025 and beyond, they must also leverage platforms aligned with compliance goals. The time to act is now.

Embedded finance

Financial services woven into everyday experiences

Embedded finance will eliminate friction and create endless opportunities for innovation. Automated payments, real-time credit options, revolutionised supply chains, and more will put control in the hands of non-financial players.

Alternative lending

Lenders are under increased pressure to attract borrowers

Economic turbulence and fintech growth have increased expectations beyond traditional models, prompting lenders to explore new technologies to stay competitive by expanding access and driving innovation in lending.

Open finance

Transforming industries that deliver financial services

The success of credit unions such as Sicredi and Unicred in Brazil has shown how open finance can bring new services to market while going beyond regulatory compliance to unlock growth opportunities.

AI adoption

Harness the power of AI to enhance customer experiences.

AI in financial services is boosting efficiency and security of transactions, with algorithms capable of analysing data to identify patterns and anomalies — aiding fraud detection and heightening customer satisfaction.

GenAI-powered virtual assistants

Embracing the crucial customer service role of GenAI

As momentum grows and evolves, will this be the year that traditional banks more confidently rely on GenAI to enhance day-to-day operations, while exposing customers to these engines without a protective human layer?

Real-time payments & blockchain

An ecosystem for more secure payment options

With Click to Pay established as a secure option for online and in-app transactions, tokenisation is set to replace sensitive payment data with unique, non-sensitive tokens, impacting the future of digital transactions.