SET Training - Banking and Fintech

- Stanley Epstein -   Introduction The common narrative around digital payments is one of solved problems and inevitable progress. We hear about a future that is instant, seamless, and entirely digital, and it’s easy to assume the financial industry is well on its way to delivering it. But a recent deep-dive into the state of the global payments ecosystem reveals a far more complex and surprising reality. These insights come from the "Payments 2030: What’s Shaping the Future?" report, based on a June 2025 survey of 162 senior financial executives conducted by Finextra Research in partnership with ACI Worldwide. The report uncovers the high-stakes conflict at the heart of the industry: the immense external pressure of customer demand crashing against the powerful internal inertia of legacy systems and reactive culture. This post distils the five most impactful takeaways from the report. They are not just interesting facts; they are crucial pieces of evidence that paint a pictu...

  Introduction Whistleblowing is a critical process for uncovering unethical or illegal activities within organizations, governments, or corporations. As societies and industries evolve, the need for transparency and accountability becomes more pressing. In today’s interconnected world, where corporate and governmental influence extends far beyond borders, the act of whistleblowing has taken on new significance. It is no longer merely a matter of morality or personal ethics; it has become an essential tool for promoting justice, fairness, and ethical behavior. With the global rise in corporate scandals, fraud, corruption, and environmental violations, whistleblowers have become crucial figures in unveiling misconduct and ensuring public trust. However, the practice of whistleblowing comes with substantial risks, from professional and personal consequences to retaliation and legal threats. This article explores the ethical, legal, and pragmatic dimensions of whistleblowing, examinin...

Thoughts on fintech, banking, payments, risk management, AI, going green, economics, business and much more… The latest edition is now available - HERE

Credit Suisse. Are they like Silicon Valley Bank? And what this all means for depositors and investors!

Under an Executive Order with the innocuous number 14067 and its title, "Ensuring Responsible Development of Digital Assets" , any transfer of funds to family, friends, charities, or clients using digital currency would be able to be tracked by the nation's central bank that issued this virtual money.  Big Brother will be in your wallet every hour or every day. You will not be able to buy a stick of gum without a Federal Reserve computer knowing where, when, and to whom you just put down a buck. Read the full article on the Gatestone Institute website HERE .