For our cover story this month , we feature Simon Khalaf , CEO of Marqeta , who discusses his journey from Yahoo ! to leading payment innovation . Learn how his past shaped Marqeta ’ s future , the challenges faced and insights on FinTech ’ s evolution , from personalised cards to embedded finance and AI .

“ If you look at the financial experience , it ’ s a bit like news publishing 30 years ago which had a 24-hour latency from when the news was happening to the moment your newspaper arrived the following morning . I was drawn to the FinTech industry because of the potential embedded finance has to create opportunities for the traditional payment card to become the front page of a brand ’ s mobile experience ,” said Khalaf .

Read the full interview on page 48 . the way for a more secure and sustainable financial future on page 17 .

In this month ’ s Editor ’ s Question , I ask experts : What emerging technologies or trends do you see shaping the future of mobile banking , and how can financial institutions leverage them ? The minds from AArete , Amdocs Financial Services and amana capital offer their thoughts on page 25 .

Our feature focuses this month on financial planning and analytics . Michael Lengenfelder , Head of FP & A Product Management at Unit4 , explores the emerging role of GenAI in FP & A , stressing the importance of pragmatic integration on page 32 .

In a time of financial insecurity and the rise of AI technology being integrated into many sectors and areas of life , Matt Rodgers , Managing Director , EMEA at OneStream Software , dives into the current state of financial forecasting in uncertain times on page 39 .

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

E-invoicing is revolutionising global commerce , driving efficiency and compliance . Alex Baulf , Vice President of global Indirect Tax and E-Invoicing at Avalara , dives into the transformative power of e-invoicing , highlighting its role in revolutionising global commerce , driving efficiency , compliance and paving

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