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🎧Insights: How will mergers and acquisitions reshape financial services in 2025? | 11:FS

In this episode of Fintech Insider Insights, hosts David Brear and Jamie Campbell join industry experts to examine how M&As are transforming financial services in 2025. They explore why bank consolidation is accelerating while fintech acquisitions face regulatory hurdles, creating a shifting competitive landscape where large institutions are strengthening their market positions.

The panel—featuring operational expert Mariela Hunter, banking executive Josh Williams, and HSBC's Nick Conway—discusses the strategic drivers behind these deals, including technology capabilities and market access needs. As traditional financial boundaries blur, the conversation examines how these corporate maneuvers are redrawing the banking landscape and what this consolidation means for innovation, competition, and customer experience in the rapidly evolving financial services ecosystem.

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📖Three Macro Trends in GenAI for Financial Services | PYMNTS

According to John Kain, head of financial services market development at AWS, generative AI and agentic models are transforming the financial services industry across three key dimensions. First, AI is enhancing end-to-end user experiences by enabling seamless onboarding, personalized product recommendations, and improved back-end processing. Second, financial institutions are undergoing data modernization, upgrading legacy systems to unlock core data for better analytics and personalized services. Third, embedded financial services are becoming prevalent, with firms integrating financial tools into broader value chains across various channels.

In the payments space specifically, real-time payment systems are gaining global traction, transforming customer expectations and creating new challenges for fraud prevention. AWS is seeing increased adoption of machine learning for fraud detection, especially for instant payments. Looking ahead, Kain believes AI agents represent the future of the industry, citing examples like Remitly's use of GenAI to resolve transaction issues and financial institutions deploying AI for call center automation, compliance acceleration, and personalized marketing. While concerns about cost and accuracy persist, AWS is working to address these through custom chips, model distillation, and flexible model comparison tools that allow clients to optimize performance and cost.

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Content is for informative purposes only.

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