Protected: How AI-powered banking tools are failing vulnerable customers
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June 15, 2026
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Ahead of 7 May 2026, payments firms face a shift from deadline compliance to sustained FCA scrutiny, with data-driven supervision set to reshape outcomes.
European Securities and Markets Authority oversight signals a shift for EMIs, as standardised reporting demands stronger data infrastructure, governance, and technical readiness.
EMIs are rethinking treasury as rates rise. LVNAV money market funds offer FCA-aligned liquidity, diversification and yield beyond traditional bank deposits.
Customer screening is central to FCA-regulated onboarding, but phonetic matching and fuzzy search limits mean firms must test tools carefully to avoid missed risk signals.
Banks face a growing talent crisis as legacy system experts retire and younger engineers reject outdated tech, making core modernisation a workforce priority.
UK e-commerce is maturing fast, pushing banks to support both cards and open banking. Success will depend on orchestration, fraud control, and modern acquiring infrastructure.
ComplyAdvantage outlines five 2026 milestones set to reshape UK and EU financial crime compliance, from AMLA data demands to AI governance and digital identity rollout. The landscape of financial crime
Agentic AI promises seamless automated payments and hyper-personalised retail, but growth depends on new trust, fraud models and rules for autonomous agents.
Fraud is rising fast and criminals are using AI at scale. UK banks must modernise to real-time, unified fraud and AML defences or risk regulatory, financial and trust failure.
The EU Digital Identity Wallet will reshape verification across Europe, offering new assurance for PSPs, but rollout will be uneven and businesses must prepare for varied adoption.
Regulatory alignment and lighter-touch US rules are opening new routes for cross-border investment and shaping the future of UK-US payments.
Agentic AI is reshaping how payments work, creating huge opportunities but forcing providers to adapt fast as new protocols, risks, and standards emerge.
The Payments Vision Delivery Committee met to consider its Strategy for Retail Payments Infrastructure and the Payments Forward Plan recently. 1. Strategy for Retail Payments Infrastructure The strategy document has since
UK fraud controls have reduced domestic APP scams, but criminals are shifting to smaller institutions and cross-border channels, making consortium data vital for defence.
As payments become faster and more digital, the industry must balance efficiency with empathy—humanising technology to rebuild trust and real connection.
LSEG highlights how rising fraud and new EU rules are reshaping payments, calling for stronger data, technology, and collaboration to rebuild trust across the ecosystem.
As fraud detection grows more complex, explainable AI is becoming essential—helping banks ensure transparency, speed investigations, and meet rising regulatory demands.
B2B payments are being reshaped by orchestration, automation, and embedded finance, enabling faster, smarter, and more scalable global transactions for businesses.
Stablecoins are evolving from speculative assets into practical tools linking traditional finance with blockchain. Regulation and infrastructure now drive their mainstream adoption.
Fraud has evolved from clumsy scams to AI-powered campaigns. This piece explores why cyber and fraud defences must now fuse into one fabric.
Friendly fraud now accounts for most card fraud claims – but it’s merchants, not criminals, who are punished. The system needs urgent reform. In the modern payments ecosystem, merchants operate
The UK must act fast on open, global crypto rules to lead in digital assets, boost stablecoin use, drive tokenisation, and spur economic growth.
European financial institutions face rising fraud, regulatory pressure, and compliance fatigue—modernisation is now essential for resilience and risk reduction.
Explore how AI is transforming Fintech customer support, enhancing efficiency, enabling personalisation, and preserving essential human touch.
PSPs that embrace automated, API-first onboarding can turn compliance from a bottleneck into a strategic growth driver—faster, smarter, and globally scalable.
Modern payment orchestration platforms now serve as strategic infrastructure—optimising performance, compliance, and customer experience at scale.
Real-time payments and integrated tools are reshaping how SMEs manage operations, adapt quickly, and deliver seamless customer experiences.
Sustainability is a competitive differentiator Recent discussions between The Payments Association’s ESG Working Group have frequently highlighted how firms are experiencing an uptick in clients, investors and potential customers enquiring
Consumers expect speed and transparency—banks are responding with self-service tools that streamline dispute resolution and enhance trust.
SEPA Instant promises faster, 24/7 payments across Europe, but with few banks ready, urgent investment is needed to meet rising demand and regulatory deadlines.
To address the money mule problem, organisations must combine elements of fraud prevention, cyber threat intelligence, and anti-money laundering capabilities.
Integrating digital payments is becoming easier with tools that reduce technical complexity, enhance security, and support a wide range of platforms.
Trust Payments CEO Laurence Booth urges providers to go beyond transactions, focusing on digitisation and personalisation to meet evolving consumer and business demands.
Digital payments demand advanced fraud prevention, blending AI and human intelligence to counter evolving threats while ensuring seamless user experiences.
Payments Association has released a report, “Transforming the UK’s Payments Infrastructure,” proposing a revamp of the UK’s payments. The paper argues that the current system of account-to-account (A2A) payments hinders
Games aren’t the first association we make when we think of financial services apps(!) but gamification is transforming this. If you aren’t familiar, gamification is the process of adding games
Payment firms must balance innovation with compliance, while regulators support growth and trust.
The merged R&D tax credit scheme in April 2024 introduces new rules for contracted-out R&D, benefiting larger businesses but requiring careful planning and documentation.
As banks migrate to the cloud, they must strengthen security with AI, zero-trust, and continuous education to combat growing cyber threats.
In the fast-moving payments industry, trust must be replaced by a “Protection Model” focused on safeguarding compliance, technology, and risk management.
Rethinking the approach to banking silos, this article explores how connecting, rather than breaking down, silos can foster innovation and efficiency in financial institutions.
Fintechs can accelerate mainstream adoption of digital assets by integrating them with traditional payment networks, enabling seamless everyday transactions.
Card issuer processors face integration, compliance, and fraud challenges but can stay competitive by streamlining processes and enhancing customer experiences.
The payments and fintech sectors are evolving at breakneck speed in 2024. This rapid change ushers in new technology that brings with it ever-advancing challenges in combating financial crime, where
New regulations will cap overdraft fees, drastically reducing them from around $30 to approximately $3, significantly impacting banks’ revenue streams.
The Payments Association’s Financial Crime Working Group has created a Glossary of key AI terms for the payments industry. The adoption of Artificial Intelligence (AI) divides opinion and serves to
From 7 October this year, all consumers who are victims of automated push payment (APP) fraud paid via faster payments must be reimbursed within 5 business days, with the cost split equally between the paying and receiving payment service providers (PSPs)
