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From open banking to open finance and beyond: The future of financial data-sharing

The Payments Association

Credit and lending models are being redefined, with transaction data and broader financial insights driving dynamic, real-time credit decisionsreshaping how payments and credit intersect in embedded finance offerings. Fraud detection and risk management are also evolving. reached $1.1

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The Modernization Imperative: Why Financial Services Cannot Afford Legacy System Inertia

Finextra

Modern regulations require granular transaction tracking, real-time risk monitoring, and comprehensive audit trails—capabilities that legacy architectures often lack without significant workarounds. The Path Forward Financial services modernization represents a strategic imperative that cannot be indefinitely deferred.

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Merchant-facing regulation: What merchants need to know in 2025

The Payments Association

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. Each section includes an overview of the regulation, the legal and operational risks involved, and the practical actions required to support readiness and ongoing compliance. Why is it important?

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WealthTech and Wealth Management in 2025: Key Trends Shaping the Future of Finance

The Fintech Times

” As wealth management becomes more intuitive, Horne believes embedded finance could play a key role. “For institutional wealth, financial advisors and wealth managers now have an opportunity to engage clients more efficiently, potentially reclaiming space in advice, though regulatory frameworks are needed.