Petra Hielkema, director of payments and market infrastructures at the Dutch central bank, talks to Joy Macknight about experimenting with blockchain, supporting fintechs and raising consumer awareness around the Payment Services Directive 2.

Invisible payments are transforming the physical point of sale into a zero-effort, frictionless affair. The Banker explores why banks should have a strategy for this concept. 

Estonia has the plan, resources and attitude to become the leading fintech hub in the Baltic region. But can it deliver on its dream?

Sberbank is striving to become the 'ecosystem of first choice' in Russia, and is branching out into numerous fields while embracing fintech start-ups. 

Orange Bank’s deputy chief executive officer talks to The Banker about 5G’s potential impact on the banking industry.

Widespread use of artificial intelligence in financial services has encouraged debate around the ethical use of this cutting-edge technology built on vast data sets. Joy Macknight explores the issues, as well as initiatives to establish guidelines.

The enterprise transformation director at Lloyds Banking Group explains to Joy Macknight how building a diverse and flexible IT architecture will serve the UK bank well in the future. 

After initial trepidation, banks are now stampeding into the cloud. But what differentiates the large cloud providers? Joy Macknight talks to five global players to find out. 

Experimenting with emerging technologies and engaging with fintechs is how Commerzbank’s R&D unit aims to help deliver on the bank’s vision of becoming a digital enterprise, Michael Spitz, CEO of Main Incubator, tells Joy Macknight.