Fraud and money laundering are becoming increasingly interconnected.

Digital payments, scam networks, money mules, crypto assets, and AI mean that activity beginning as fraud can quickly become part of a wider money-laundering chain.

In this episode of The Intuition Finance Digest, we explore the emergence of FRAML and why financial institutions increasingly need to connect fraud detection, AML monitoring, cyber intelligence, identity data, and transaction activity.

In this episode, we cover:
- What FRAML means
- How APP scams connect fraud and money laundering
- Why money mules play a central role
- The challenge created by faster movement of funds
- How fiat and crypto activity interact
- Why financial-crime intervention increasingly needs to happen in real time

Resources:

Learn more about Intuition Know-How, our financial learning platform: https://www.intuition.com/know-how/
Find out more about Intuition Publishing here: https://www.intuition.com/
Follow Intuition Publishing on LinkedIn for the latest finance learning insights: https://www.linkedin.com/company/intuition-publishing-ltd./

Employers’ expectations of people entering banking and finance are changing.

As AI and automation reshape financial services, the shift is not simply from traditional finance skills to technology skills. New employees still need financial knowledge, but they also need to apply that knowledge to real business problems, question AI-generated work, communicate effectively, and keep adapting as the industry changes.

In this episode of The Intuition Finance Digest, we explore what employers increasingly expect from early-career professionals in banking and finance. The discussion looks at applied knowledge, AI oversight, judgment, human skills, and adaptability, and why these capabilities are becoming more important as routine work is automated.

The key point is that AI can support analysis, calculation, and summarization, but employees remain accountable for how that work is interpreted and used.

In this episode, we cover:

Why applied knowledge matters for new banking employees

How AI is changing early-career expectations

Why employees need to audit AI-generated work

Why judgment is becoming more important in banking

How human skills support trust and collaboration

Why adaptability is now part of a financial services career

Resources:

1. UK Financial Services Skills Commission report, A Workforce Transformed: https://financialservicesskills.org/wp-content/uploads/2026/05/AI-disruptive-technology-report-workforce-transformed.pdf

2. CFA Institute Finance Skills Pulse Survey: https://www.cfainstitute.org/insights/professional-learning/skills-pulse-survey

3. Learn more about Intuition Know-How: https://www.intuition.com/know-how/

4. Find out more about Intuition Publishing: https://www.intuition.com/

5. Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

Fintech is changing the competitive landscape in retail banking.

Digital-first firms are raising expectations around speed, convenience, payments, lending, personal finance, and customer experience. For banks, the challenge is no longer whether fintech will affect the sector, but how quickly retail banking models need to adapt.

In this episode of The Intuition Finance Digest, we look at how fintech competition is gathering pace, where the pressure is being felt most clearly, and why traditional banks still have important strengths, including trust, scale, regulation, balance sheet strength, and long-standing customer relationships.

The discussion also looks at why the future of retail banking may depend less on banks versus fintechs, and more on how financial institutions modernize, partner, and respond to changing customer behavior.

In this episode, we cover:

Why fintech competition in retail banking is accelerating
How digital-first firms are changing customer expectations
Why payments, lending, and personal finance are key areas of disruption
What traditional banks still have in their favor
Why innovation, partnerships, and digital transformation matter
What this means for the future of retail banking

Resources:

Read the full article: Fintech retail banking: Risks and challenges | Intuition

Learn more about Intuition Know-How: https://www.intuition.com/know-how/

Find out more about Intuition Publishing: https://www.intuition.com/

Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

#TheIntuitionFinanceDigest #Fintech #RetailBanking #DigitalBanking #IntuitionPublishing

European markets are preparing to move from T+2 to T+1 settlement.

From October 11, 2027, the EU will shorten the standard settlement cycle for securities trades from two business days to one, with the UK moving on the same date. The change is designed to reduce the time buyers and sellers remain exposed to each other before securities and cash are exchanged.

But moving faster also brings practical challenges. Payment deadlines arrive sooner, funding gaps can appear when trades settle on different timelines, and firms have less time to fix errors in settlement instructions or cash movements.

In this episode of The Intuition Finance Digest, we explain what happens after a trade, why T+1 matters, and how shorter settlement could affect collateral, funding liquidity, operational readiness, and investment decisions.

In this episode, we cover:

1. What T+1 settlement means2. How securities trades are completed after execution3. Why shorter settlement can reduce counterparty exposure4. How T+1 can affect collateral requirements5. Why earlier payment deadlines can create funding liquidity needs6. What firms need to prepare before Europe’s move to T+1

Resources:

Learn more about Intuition Know-How: https://www.intuition.com/know-how/

Find out more about Intuition Publishing: https://www.intuition.com/

Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

The future of money is not simply about going digital. The bigger question is what forms of money people and businesses will use, who will issue them, and how they will interact.

In this episode of The Intuition Finance Digest, we explore how tokenized bank deposits, stablecoins and central bank digital currencies (CBDCs) could reshape the monetary system.

We look at the potential of tokenization, the implications of stablecoins for traditional banks and monetary sovereignty, the role of CBDCs, and why regulation and interoperability will be critical as different forms of money increasingly coexist.

Read the full article here:
https://www.intuition.com/the-future-of-money/

Learn more about Intuition Know-How, our financial learning platform:
https://www.intuition.com/know-how/

Follow Intuition on LinkedIn for more finance learning insights:
https://www.linkedin.com/company/intuition-publishing-ltd./

Sustainable project finance is often discussed in terms of capital, policy, regulation, and technology. But the human element is becoming increasingly important to whether projects are accepted, financed, and delivered.

In this episode of The Intuition Finance Digest, we explore how community support, social risk, just transition considerations, and workforce capability are shaping sustainable finance and project finance decisions.

The discussion looks at why community acceptance can affect bankability, why social risk is moving deeper into due diligence, and why workforce capability is becoming a practical delivery issue for sustainable projects.

For lenders, investors, and project sponsors, the message is clear: sustainable finance needs more than a strong financial model. It also needs credible execution, social awareness, and a clear understanding of the people affected by the project.

In this episode, we cover:

• Why community support is becoming a bankability factor
• How social risk affects project finance due diligence
• Why sustainable finance is increasingly linked to the just transition
• How workforce capability can influence project delivery
• What the human element means for lenders, investors, and project sponsors

Resources:

Learn more about Intuition Know-How: https://www.intuition.com/know-how/

Find out more about Intuition Publishing: https://www.intuition.com/

Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

#TheIntuitionFinanceDigest #SustainableFinance #ProjectFinance #ESG #IntuitionPublishing

Private assets have become an increasingly important part of investment portfolios, offering access to opportunities beyond public markets.

But the appeal of private markets needs to be considered alongside the risks.

In this episode of The Intuition Finance Digest, we explore some of the key pitfalls of private assets, including liquidity risk, valuation uncertainty, higher fees, complex structures, and reduced transparency. The discussion looks at why private assets may behave differently from publicly traded investments and why investors need to understand the trade-offs before increasing exposure.

Private equity, private credit, infrastructure, and real estate can all play a role in long-term portfolio strategy, but they also require careful due diligence, realistic expectations, and a clear understanding of how money can be accessed when conditions change.

In this episode, we cover:

Why private assets have become more prominent in investment portfolios
How private markets differ from public markets
Why liquidity risk is a major consideration
How valuation uncertainty can affect investment decisions
Why fees, complexity, and transparency matter
What investors should consider before increasing exposure to private markets

Resources:

Learn more about Intuition Know-How: https://www.intuition.com/know-how/

Find out more about Intuition Publishing: https://www.intuition.com/

Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

#PrivateMarkets #PrivateEquity #PrivateCredit #InvestmentManagement #LiquidityRisk #CapitalMarkets

Liquidity risk can seem less urgent when markets are calm. But when conditions change, the ability to sell an asset quickly and at a fair price can become much harder than investors expect.

In this episode of The Intuition Finance Digest, we explore why liquidity matters in investment decisions and how it can disappear during periods of market stress. The discussion looks at market depth, trading volume, bid-ask spreads, asset structure, and investor behavior, and why these factors matter when assessing investment risk.

We also look at why some assets may be less liquid than they appear, and how ETFs can raise important questions around the liquidity of the underlying market.

In this episode, we cover:

1. Understanding liquidity in capital markets
2. Liquidity supports efficient markets
3. Liquidity risk during market stress
4. ETFs and market liquidity

Resources:

Read the full article: https://www.intuition.com/liquidity-risk-in-capital-markets-the-one-investors-overlook/

Learn more about Intuition Know-How: https://www.intuition.com/know-how/

Find out more about Intuition Publishing: https://www.intuition.com/

Follow Intuition Publishing on LinkedIn: https://www.linkedin.com/company/intuition-publishing-ltd./

#TheIntuitionFinanceDigest #LiquidityRisk #InvestmentRisk #CapitalMarkets #IntuitionPublishing