Form3’s new Trust Fabric offering supports firms to manage their certificate estate, maintain visibility, automate renewals and mitigate the risk of expired or unknown certificates bringing down a whole service. 

As account-to-account payments for e-commerce scale in the UK, Mike Walters, CEO at Form3, explores the essential infrastructure that banks and fintechs need to meet the demands of seamless checkout.

Form3 is pleased to announce the launch of our new podcast Payments Cannot Fail. Hosted by our CRO Mark Fieldhouse, the podcast will take a deep dive into different areas that impact the payments industry and the banks and fintechs that rely on it, from the key challenges, to the importance of resilience, to the differences between the UK, European and US approach.

As expectations for instant, secure payments continue to rise, legacy infrastructure built for batch processing is struggling to keep pace. This article explores the challenges banks and fintechs face in modernising their systems, and how cloud-native, resilient architectures are enabling the real-time economy.

On Monday 20th October, AWS experienced a significant outage in its US-East-1 (Northern Virginia) region - a vivid reminder of how deeply the modern internet depends on cloud infrastructure. The impact reached far beyond the US: ripple effects were felt globally, including in the UK, where many well-known platforms went dark for hours. 

Form3 has embarked on a journey with IBM Cloud for Financial Services – an industry-specific platform that aims to help reduce risk throughout the industry by helping financial institutions address their resiliency, performance, security and regulatory compliance obligations.

At Form3, we are focused on building the future of financial technology. As we continue to grow, it’s critical that we evolve our leadership team to ensure we are strongly positioned to achieve our strategic initiatives and execute against our long-term vision. Today, I want to share some important changes within our executive team that reflect this direction.

When the Federal Reserve launched FedNow in July 2023, it did so with a clear goal: to make instant, always-on payments a core capability of the U.S. banking system. Two years in, the progress is measurable—but so are the questions. How close are we to ubiquity? How well is FedNow positioned to coexist with (and complement) other rails? And what does success look like in a market as complex and decentralized as the United States?