For our cover story this month , we feature Siobhan Byron , EVP of Universal Banking at Finastra . Byron discusses how her passion for innovation and technology has fuelled her career and influenced advancements in the sector .

“ This brave new world of banking can seem daunting – especially when the solution to an uncertain landscape is to do more , for more customers . But evolution in technology and ways of working is making this possible at scale and with greater operational efficiency . The combination of sophisticated functionality and advanced technology – incorporating increased automation , data analytics and generative AI – is creating unimaginable potential . The only limit is the imagination of the financial institution ,” said Byron .

Read the full article on page 48 .

In this month ’ s Editor ’ s Question , I ask experts : How is data analytics expected to impact decision-making in the FinTech industry ? The professionals from Teradata , Expleo and Concirrus offer their thoughts on page 25 .

Our Regional Round-Up on page 44 , focuses on the Asia Pacific ( APAC ) region . Some experts say a global economic growth slowdown is anticipated for 2024 , while others continue to be positive towards APAC ’ s economic outlook and expect more rapid growth in the region . In this article , David Brady , Enterprise Sales Director , Southeast Asia , Airwallex , explores this outlook further .

In this issue , we explore the complexities of cross-border payment fraud with Amal Ahmed , Director at Signifyd , the e-commerce fraud protection platform . Ahmed discusses the complexities of cross-border payment fraud and the best strategies for global business expansion in 2024 and beyond .

Dive into these insights on page 63 .

We also have a range of ‘ Intelligent ’ pages , which feature the latest strides in the cloud , security , mobile , software , Blockchain and Artificial Intelligence space .

I hope you enjoy this issue and if you would like to contribute to any future editions then please do not hesitate to contact me .

Ellen Flannery , Editor

Formed in 2019 , FinTech Wales is an independent membership association and champion of the FinTech and Financial Services industry in Wales . Sarah Williams- Gardener , CEO , FinTech Wales , shares the areas they are nurturing to ensure the continued success and development of the Welsh FinTech sector on page 17 .

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