In the latest edition of our FTT Chats series, we took the opportunity to sit down and speak Nikhil Batheja, Executive Director, CIB Technology, API Architecture & Strategy at J.P. Morgan. about what he sees as some of the exciting trends in the financial services sector. As Nik will be joining us for FTT Embedded

It’s been more than 15 years since American Banker questioned whether turnkey “bank-in-a-box” products were too rigid. The article, “Weighing Customization Against ‘Bank-in-a-Box’ Solutions,” describes the frustration of financial institutions that wanted flexibility. “If a community bank requires major platform changes, switching the technology altogether can be less cumbersome than modifying the existing platform.” One of the

Pioneered by digital innovators like WeChat, Alipay and Grab, the rise of all-in-one applications is showing no sign of slowing down. It’s not difficult to see the value of frictionless so-called super apps where users can do everything from order takeaway food, hail a taxi, pay utility bills and play games. Customers don’t have to

The entrepreneurs who believe that big challenges present big opportunities have found themselves in the right place at the right time. With inflation running hot and the Federal Reserve raising rates, small business confidence has never been lower. Over 70% of small business owners taking part in the CNBC/SurveyMonkey Small Business Survey said the U.S. economy is

When a company that isn’t a financial institution integrates financial services into their customer experience, we refer to it as embedded finance. As consumers, we have grown accustomed to taking advantage of the frictionless benefits of embedded finance. By making financial services a by-product of the apps they use and the goods and services they

Building biometric identity systems for anyone The rapid emergence of biometric solutions has led to the improved security and usability of countless digital devices. A quick glance at a smartphone with facial recognition can unlock it and using voice recognition can make accessing telephone banking simpler than ever before. Despite these advancements, not all people have