The next stage of retail banking modernisation is no longer primarily about customer-facing functionality. It is about whether the operational infrastructure beneath those services can support real-time financial experiences consistently and at scale.
Ravi Ranjan, Co-Founder and CEO of Finexer, has written for Retail Banker International on why fragmented payments, disconnected reconciliation workflows, and batch-based data systems are becoming harder to sustain as real-time financial expectations accelerate – and what the shift means for how banks and platforms think about infrastructure investment.
Read the full piece: Why Real-Time Finance Is Forcing Retail Banks to Rethink Infrastructure – Retail Banker International
About the Author
The Finexer Team is a collective of fintech engineers, payments specialists, and Open Banking experts working on financial infrastructure for UK businesses. Finexer builds API-driven solutions that allow companies to access real-time bank data, initiate Pay by Bank payments, and integrate financial services directly into their products.