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The Future of Competitive Advantage in Banking and Payments | Part 1 | Bottomline
Mike, founder of Northey Point and the former CEO of Bacs Payment Schemes Limited. He has an established reputation as a thought leader in payments innovation, real time infrastructure and regulatory change within financial services. After spending decades leading innovation across UK and European payments, Mike continues to apply deep levels of insight into many of the most pressing issues facing the payments industry.
In the most recent report – The Future of Competitive Advantage in Banking and Payments – which Bottomline have led on a global basis, Mike explores findings from over 500 senior payments professionals from banks, FIs and fintechs. In exploring the findings the report found that legacy infrastructure is a huge barrier to adoption of real time payments (30% of 500 participants even consider it is a dreaded barrier!) and in terms of compliance to changing mandates – 93% of participants are concerned they will not meet requirements.
At the heart of this really is ISO 20022 – it represents a transformational touchpoint shifting thinking at every link in the payments value chain. With the SWIFT November 2025 date looming, Mike is indicating its the time for the industry to move on from strategy to execution, particularly around end to end readiness/enrichment of data and other operational aspects.
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88% of UK Customers Would Switch Banks Due to Financial Crime Failures, ThetaRay Report Finds
ThetaRay, a global leader in AI financial crime compliance, today released The ThetaRay UK Banking & Fintech Trust Report 2026. The findings, launchedon the eve of The Global RegTech Summit, reveal a systemic shift in consumer behavior: 88% of UK customers are prepared to abandon their primary financial institutions over failures in preventing money laundering or terrorist financing.
Axiology and Profitus Set Baltic Record with €3.4M Digital Bond
Axiology, the financial technology company specialising in distributed ledger technology (DLT) infrastructure for capital markets has registered a record-breaking digital bond, funded through the leading crowdfunding platform in Lithuania – Profitus. The bond was registered by Axiology and distributed through Profitus, closing at a final value of €3.4 million. It is secured by shares in companies owned by Lithuanian Shark Tank investor Gediminas Kvietkauskas.
Equifax and Mifundo Open Access to Brazilian Credit Data for European Banks
Mifundo, a pan-European credit data platform, has integrated credit data from Equifax BoaVista, subsidiary of Equifax Inc. in Brazil, enabling European banks to access verified Brazilian credit information as part of their credit assessment processes.
SGX FX Adopts Chainlink to Make its Premium OTC FX Data Available to Thousands of On-chain Apps
SGX FX, a leading technology partner for the global institutional FX ecosystem, has adopted Chainlink, the industry-standard oracle platform, to broaden access to its OTC FX data and support greater flexibility in how institutional participants consume trusted market information.
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Triathlon Ireland, the national governing body of triathlon and multi-sport in Ireland, hosting 250+ events nationwide and supporting 20,000 athletes has automated its financial reporting with AccountsIQ’s cloud accounting software.
MoneyHash Names Hwan Lee Regional Director for Africa
MoneyHash, the payment orchestration platform for emerging and global markets, has appointed Hwan Lee as its new Regional Director for Africa. The strategic hire reflects MoneyHash’s continued expansion across high-growth African markets and its broader vision of helping businesses scale and manage complex payment operations across providers, methods, and markets in emerging economies.
Souhoola Opens Its New Branch at City Stars, Expanding the Reach of Its Financial Services Across the Egyptian Market
Souhoola, Egypt’s leading consumer finance company and Buy Now, Pay Later (BNPL) platform, announced the opening of its new branch at City Stars on May 15, 2026, as part of the company’s expansion strategy aimed at strengthening its presence and reaching a broader customer base through key locations and major commercial hubs across Egypt.