Both challenger and traditional banks are looking to leverage cloud-based core banking systems to foster new business models, reduce operating costs and deliver better customer experience. Joy Macknight reports.

In a few short years, China’s fintechs have come to dominate e-commerce, mobile payments and now small business lending. How will the banks respond?

Digital is not strategy only, it is strategy and a delivery vehicle, BNY Mellon’s head of digital tells Joy Macknight. 

SMEs have largely been neglected by banks, but this is beginning to change in the UK as digital challengers step in to give the sector the attention it warrants. 

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?