FinTech Magazine

Top stories from the week include Sumsub’s global fraud report, the UK Budget announcement, the real value of AI in fintech, funding for Valereum PLC ahead of its listing in the US and Transport for London's new contactless payments partner: JPMorganChase (Chase Bank UK). Check out the link in the comments to find out more ---> #AIinFintech #GlobalFraud #Financing

To everyone in our community celebrating Thanksgiving, we hope you enjoy a well-earned break and spend the time with people who matter to you. 🥳 Thank you for your continued support and engagement. We appreciate the trust you place in our content and the conversations you help drive across the fintech sector. Wishing you a restful and enjoyable holiday! #Thanksgiving #FinTech #Thankful

The fintech sector enters 2026 at a critical juncture, transitioning from growth-focused expansion to prioritising profitability, regulatory compliance and operational resilience. In our latest top 10, FinTech Magazine explores how emerging technologies are moving from experimental deployments to core operational systems as traditional financial institutions close the gap through digitalisation. The predictions include: real-time payments, fintech consolidation, CBDCs, sustainability, quantum cryptography, crypto regulation, open finance, stablecoins, AI hyper-personalisation, and embedded finance. More below. #Fintech #DigitalBanking #FinancialInnovation

Rt Hon Rachel Reeves has slashed the annual cash ISA limit to £12,000 from April 2027, aiming to channel retail savings into UK equity markets. The move affects £300bn currently held in cash ISAs, though analysts question whether it will achieve its stated objectives. Carol Knight of TISA warns against rushing reforms to Lifetime ISAs, while Sarah Coles at Hargreaves Lansdown notes the growth potential but remains cautious about treasury expectations. Building societies face mounting pressure as the government prioritises equity investment over traditional savings products. More below. #ISA #UKBudget #RetailInvesting

The cryptocurrency industry's future depends less on price speculation and more on unglamorous infrastructure. Custody solutions, compliance tools and settlement systems determine whether digital assets achieve mainstream adoption. While Ethereum processes 15 transactions per second, Visa handles 65,000 at peak capacity. Layer 2 solutions improve throughput but fragment liquidity. Venture capital increasingly backs infrastructure companies over speculative tokens, recognising that solving custody and compliance challenges creates defensible businesses with genuine revenue models. More below. #DigitalAssets #CryptoInfrastructure #InstitutionalAdoption

In this new article, Diarmuid Thoma of AtData unpacks the hidden fragility behind fintech’s data infrastructure and explains why verified email intelligence is emerging as a stabilising force. Email remains one of the few durable signals that connects accounts, behaviors and genuine human patterns across systems that are moving faster than they can make sense of. Worth a read for anyone building in risk, data, or customer growth! Read more here: https://lnkd.in/ezHWKr93 #AtData #DataInfrastructure #Identity

Tide is launching an embedded insurance platform for UK small and medium-sized businesses, partnering with Admiral Business to offer Employers' Liability, Public Liability and Professional Indemnity cover through its app. The move addresses persistent underinsurance in the SMB sector, with CEO Dr. Oliver Prill emphasising the goal of making "insurance more accessible, relevant and easy to manage". Admiral Business CEO Emma Huntington says the partnership fuses insurance expertise with digital tools to simplify protection for SMEs. More below. #Fintech #InsurTech #EmbeddedFinance

GFT Technologies and FICO have formed a global partnership to tackle escalating financial fraud through AI-powered real-time decision systems. With US fraud losses hitting $12.5bn in 2024, the collaboration combines GFT's digital banking expertise with FICO's fraud detection platforms protecting over 4 billion payment accounts worldwide. Marco Santos, GFT's Global CEO, emphasises the focus on "speed, trust, and intelligence at scale", while Alex Graff's VP for Global Partners & Alliances at FICO highlights machine learning innovations that detect fraud earlier and build customer trust. More below. #FinTech #FraudPrevention #FinancialCrime

FinTech Magazine's December Edition is Here Our final issue of 2025 explores the future of financial services – from J.P. Morgan's groundbreaking US$3bn headquarters to the infrastructure powering tomorrow's digital economy. Inside this edition: JPMorgan's Workplace of Tomorrow – We take you inside 270 Park Avenue, New York City's first all-electric skyscraper. Designed by Foster + Partners, this quarter-mile-high landmark accommodates 10,000 employees while setting new standards in sustainability, wellbeing and smart technology. AI: Hype vs Reality – Recapping our AI in Fintech panel from FinTech LIVE London 2025, we examine how artificial intelligence is genuinely enabling fintechs to scale at pace, separating substance from speculation. Tokenising Mortgage Debt – MQube CEO Stuart Cheetham discusses the company's innovative approach to transforming mortgage debt through tokenisation, unlocking new possibilities for capital markets. Crypto's Hidden Foundation – Exploring the unglamorous but essential infrastructure layer that's driving increased digital assets trading adoption across the industry. Euronet's Money20/20 Insights – Oscar Munoz and Vishal Pasari share key takeaways from the flagship fintech event and discuss the company's REN product innovation. Celebrating TS Anil – We reflect on the distinguished tenure of Monzo Bank's chief, who recently announced his intention to step down. Plus: Our Top 10 analysis of leading fintech trends heading into 2026, featuring insights from B4B Payments - A Banking Circle Group Company. Read the full December edition now by clicking the link in the comments! #FinTech #FinancialServices #DigitalTransformation #AI #Blockchain #FinTechMagazine

Sumsub's latest research reveals a troubling evolution in fraud tactics: criminals are abandoning volume-based attacks for sophisticated, multi-step techniques that achieve far higher success rates. The verification firm tracked 180% growth in advanced fraud globally, with deepfake incidents surging 94% in the UK alone. Pavel Goldman-Kalaydin, Head of AI/ML at Sumsub, warns that traditional fraud prevention metrics "are quickly losing meaning" as threats shift from quantity to quality, while 64% of European companies report fraud-related financial losses. More below. #Fraud #FinTech #Cybersecurity