Payments - Long Reads, News, Articles & Research: Finextra

Driving seamless and secure B2B payments in 2025

Tulsi Narayan EVP – Commercial and New Payment Flows, Europe at Mastercard

Driving seamless and secure B2B payments in 2025

From contactless to e-commerce, consumers are leveraging digital tools more than ever to simplify and enhance their daily lives. But for large companies and their B2B payment processes, which are by their very nature more complex, they are only just beginning to experience the similar benefits that we’ve come to expect as consumers; seamless, smar...

03 April 2025 /payments

Will 2025 be the year of embedded finance at scale?

Retired Member

Will 2025 be the year of embedded finance at scale?

Embedded finance, despite early promises, has not been adopted at quite the scale expected of a growing multi-billion market. The shift from early fintech-to-fintech implementations to consumer-facing products opened up a huge market, yet implementations are not as prevalent as they could be and most deployments have been relatively small in scale...

02 April 2025 /payments

Hamish Monk Senior Reporter at Finextra

Understanding the ISO 20022 deadline

The deadline for ISO 20022 – the new standard for electronic data interchange between financial institutions – has been notoriously changeable. Back in March 2020, Swift delayed the original migration date for cross-border payments by 12 months (from November 2021 to the end of 2022) as banks struggled with decommissioning and preparing existing ...

01 April 2025 /payments

Can open banking stand alone as the UK’s payment infrastructure?

Tom Hay Principal Consultant at Payment Systems Europe

Can open banking stand alone as the UK’s payment infrastructure?

The weaponisation of payment infrastructure by governments is not a theoretical risk; it’s a reality. In 2023, the US imposed sanctions on Russia’s Unistream Bank, leading to the suspension of cross-border payment services by banks in countries like Armenia, Georgia, and Kazakhstan due to fears of secondary sanctions. This disruption affected remi...

31 March 2025 /payments

The top payments stories you missed in March 2025

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in March 2025

March has been a busy month in the world of payments. From regulatory upheaval to rising fraud numbers, here is an overview of our most viewed Payments stories from this month. UK Government confirms plans to scrap Payment Systems Regulator You probably did not miss this story. In March, the UK Government has officially confirmed its plans to aboli...

28 March 2025 /payments

Empowering European consumers: The future of personalised payments

Brice Van De Walle EVP at Mastercard

Empowering European consumers: The future of personalised payments

The European payments landscape is evolving rapidly. Technological advancements, shifting consumer behaviors, and regulatory changes are driving a move toward more flexible and personalised payment experiences. Mastercard’s research conducted last year, reveals that two-thirds of European consumers prefer to consistently use the same payment method...

27 March 2025 /payments

What’s up with all the payments outages?

Sehrish Alikhan Reporter at Finextra

What’s up with all the payments outages?

The beauty of online banking is that it’s – for the most part – instant. If your friend owes you money, they can transfer it to your account immediately. If you forgot to pay your bills, log online and you can pay them right then and there. Even on payday, the money should go directly to your account. However, payments outages have become more and...

05 March 2025 /payments

The top payments stories you missed in February 2025

Dominique Dierks Senior Content Manager at Finextra

The top payments stories you missed in February 2025

Catch up on our most viewed payments stories from February 2025. UK Government mulls abolishment of Payment Systems Regulator Our most read news story from February was the announcement that the UK government is considering scrapping the Payment Systems Regulator (PSR) and folding it into the Financial Conduct Authority (FCA). As it currently stan...

28 February 2025 /payments

Embedded finance: The future of seamless financial services

Thomas Easterby Head of FinTech at HSBC Innovation Banking

Embedded finance: The future of seamless financial services

Embedded finance can be defined as the integration of financial services, such as payments, lending, insurance, or banking, directly into non-financial products and platforms. Over the past decade business models in this category have proliferated, fundamentally changing how consumers and businesses interact with money, and providing fintech and f...

27 February 2025 /payments

Hamish Monk Senior Reporter at Finextra

Understanding the G20 targets

At a November 2020 summit, a coalition of the world’s largest economies, the Group of Twenty (G20), tabled a roadmap aimed at enhancing international retail, wholesale and remittance transactions. By 2021, working with the Financial Stability Board (FSB), the G20 issued a set of qualitative targets – across access, cost, speed, and transparency – ...

25 February 2025 /payments

Hamish Monk Senior Reporter at Finextra

How to implement Open Banking

Launched in the United Kingdom in January 2018 with the European Commission (EC)’s second Payments Services Directive (PSD2), open banking gives third-party financial service providers access to consumer banking, transaction, and other financial data, from banks. In a practical sense, open banking was a major milestone in the journey toward sharing...

18 February 2025 /payments

What the US real time payment transaction limit increase to $10m means

Madhvi Sonia Head of Content at Finextra

What the US real time payment transaction limit increase to $10m means

On 9 February 2025, operator of the largest instant payment system in the US, The Clearing House, will raise the individual transaction limit to $10 million. This week, it was also revealed that the RTP network surpassed one billion payments, just 18 months after crossing the 500 million transaction mark. After a gradual uptake – taking over five ...

06 February 2025 /payments

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