Our first cover of 2025 hosts Jeroen Hölscher , Global Head of Payment Services at Capgemini , who delves into the transformative trends shaping financial services . From open finance personalisation to instant payments , decentralised identity and remittance affordability , he explores the challenges , innovations and opportunities defining the FinTech landscape by 2025 .

“ In 2025 , open finance will foster a more connected and inclusive financial ecosystem , empowering consumers with greater control over their data and enabling banks to deliver innovative , personalised solutions .”

Read the full interview on page 48 .

According to PwC ’ s analysis unit , Strategy &, the GCC region is set to reap US $ 23.6 billion in economic impact from generative artificial intelligence ( GenAI ) by 2030 . In what analysts called a ‘ conservative top-down estimate ’, Saudi Arabia will see US $ 12.2 billion in value and the UAE US $ 5.3 billion . The rest will be shared among Qatar ( US $ 2.6 billion ), Kuwait ( US $ 1.6 billion ), Oman

( US $ 1.3 billion ) and Bahrain ( US $ 600 million ). Sid Bhatia , Area VP and General Manager , Middle East , Turkey & Africa , Dataiku , tells us more about how teams can truly modernise , armoured with GenAI tools . Find out more on page 17 .

With the golden quater now behind us , as we enter the new year we seek insights from three experts on a crucial topic : How can businesses strengthen security measures to safeguard operations and customer data during peak shopping seasons ? See what they had to say on page 25 .

The number of UK listed equities is going down , while the number of UK private companies ( with over 100 employees ) is going up . This has been happening over several years and looks to set to continue . This demonstrates the need for private companies to trade their shares and create secondary liquidity . Cees Vermaas , CEO of The International Stock Exchange ( TISE ), which offers TISE Private Markets , discusses private markets and the Private Intermittent Securities and Capital Exchange System . Read more on page 32 .

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

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