The new Payment Services Directive (PSD3) is set to transform the payments ecosystem in Europe. After years of evolution since PSD2, the European Commission has developed a regulatory framework that strengthens security, improves competition, and enhances access to payment systems. Although PSD3 is still in the approval process, implementation is expected to begin between late […]

Conversational banking gives customers a fast and convenient way to interact with their bank. This has helped reduce the number of inquiries handled by call centers and cut wait times at physical branches. With the help of chatbots and virtual assistants, users can get answers to their questions, manage their accounts, or receive financial advice […]

Customer expectations have changed. Today, they expect seamless access to financial services—quickly and within the platforms they already use daily. This is where embedded finance comes in: a model that allows non-financial companies to offer payments, loans, or insurance without requiring users to interact with a traditional bank. For banks, this presents a major challenge. […]

Much of traditional banking remains stuck in reactive customer relationships. In the digital era, this approach can put both competitiveness and business growth at risk, as users increasingly seek fast, personalized solutions. If a financial institution fails to anticipate their needs, customers are likely to turn to digital banks and fintechs that do. Proactive banking […]

The financial sector is evolving faster than ever. What started as Open Banking—allowing third-party access to banking data—has expanded into a broader concept: Open Finance. Now, it’s not just about sharing banking information but enabling access to a wide range of financial data, including insurance, investments, and pensions. This shift is reshaping the way we […]

Bank branches continue to play a key role in customer service, but long wait times remain a challenge for both financial institutions and their clients. Despite the rise of digital banking, many customers still visit branches for specific transactions, leading to crowding and a less-than-ideal experience. Reducing branch traffic not only improves operational efficiency for […]

Eight years ago, Banco Industrial, the largest bank in Guatemala, took a decisive step toward innovation in customer communications. Partnering with Latinia, they transformed a traditional notification service into a modern, advanced solution that redefined the customer experience at Banco Industrial. Today, we look back to reflect on the achievements and the impact of this […]

In North America, instant payment systems are rapidly evolving, driven by technological advancements and regulatory initiatives aimed at accelerating transaction processing and enhancing financial ecosystems. This progress not only improves efficiency but also positions account-to-account transfers as one of the most significant trends in digital payments for 2024. These developments have opened new opportunities for […]

The rise of scalable services delivered online has completely transformed entire industries. Take Software as a Service (SaaS), for example—it’s revolutionized access to technology by removing the need to build infrastructure from scratch and helping businesses quickly adapt to changing market demands. This same concept has made its way into the financial sector through Banking […]

The rapid advancement of technology has profoundly transformed how we interact with money, enabling online payments, instant transactions, and more accessible financial services. However, this digitalization has also paved the way for new forms of fraud, ranging from credit card data theft during online transactions to the creation of fraudulent websites designed to deceive users. […]