The Distillery #6: The UK's Great Banking AI Experiment & Infobip's Messaging Trends

June 2025

Fintech & Payments

Juniper Research

Analyst House

In this edition:

• UK financial firms can now experiment with AI, thanks to NVIDIA and the FCA
• Infobip's 3 biggest mobile messaging trends examined
• We reveal the opportunities that SGP.32 is set to create within cellular IoT
• Our latest insights on AI in cellular networks, shared mobility, soft POS, and VodafoneThree

TELECOMS & CONNECTIVITY

How SGP.32 is Supercharging the Next Cellular IoT Boom

6.5 billion. That’s the number of cellular IoT connections we’re forecasting by 2030 — and SGP.32 is set to play a huge role in making sure these connections are managed faster, cheaper, and more flexibly than ever before.

To mark the release of our new cellular IoT research, we’re offering an exclusive look at three opportunities SGP.32 will create for operators, IoT MVNOs, and others in the connectivity orchestration space.

🟣 SGP.32 is more than just remote provisioning. It lets enterprises switch providers faster and more often; slashing provisioning time and cost. That places orchestration front and centre, giving operators and platforms who master multi-network management a real competitive edge.

🟣 eSIM becomes viable for low-cost hardware. Simpler integration and fewer hurdles mean eSIMs can now power devices such as alarms and sensors; opening new markets and fresh revenue opportunities for operators to scale IoT like never before.

🟣 Security has long been a barrier for cellular IoT adoption. SGP.32 changes the game by adding stronger lifecycle management and built-in cybersecurity; which should ease enterprises' concerns over device security and embolden wider IoT deployments.

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FINTECH & PAYMENTS

FCA and Nvidia Team Up to Help UK Banks Experiment with AI

The UK Financial Conduct Authority (FCA) has launched a “supercharged sandbox” with NVIDIA, giving banks early-stage access to AI tools, data, and regulatory support.

Starting in October, firms can experiment with NVIDIA’s AI Enterprise Software to explore safe AI use; tackling challenges like privacy and fraud. The FCA says the initiative aims to boost innovation and help firms lacking in-house capabilities while supporting market growth.

Distilled...

🟣 This sandbox aims to tackle key barriers to AI adoption within financial services, including data access, compliance uncertainty, and infrastructure gaps. By participating, firms can accelerate the development and launch of advanced, compliant AI solutions - gaining a clear edge over competitors.

🟣 Giving financial services firms a safe space to experiment with AI will be crucial to unlocking efficiency savings from AI integration. Our research on the topic says UK banks are already saving $129 million this year; climbing to $3.9 billion by 2030.

🟣 Smaller firms may struggle to meet the technical, financial, or resource demands needed to participate; risking larger players dominating the field. The FCA introducing scaled participation tiers or subsidised access could balance things and prevent AI advancements from concentrating within a few firms.

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TELECOMS & CONNECTIVITY

Infobip Industry Analyst Summit: 3 Messaging Trends to Watch

At last week’s Infobip Industry Analyst Summit, Ivan Ostojić, Chief Business Officer at Infobip, highlighted three key trends shaping the shift from simple messaging to real conversations.

Click below to read our blog unpacking these trends and, together with our own insights, what they mean for the future of mobile messaging.

(A big thank you to the Infobip team for inviting us!)

READ THE BLOG 

ICYMI

Signal Boost

Every issue, we highlight the research, blogs, infographics, and insights we're especially proud of.

🔒 Mobile operators clearly don’t need a sandbox, judging by how they're set to invest over $17 billion in AI-driven network security over the next few years.

🚴 Shared mobility and micromobility are transforming travel in cities and rural areas alike, as cash-strapped youngsters move away from car ownership.

💳 Our latest infographic breaks down how soft POS is helping small businesses to boost sales, cut costs, and simplify payments.

📱 And finally, Vodafone and Three have joined forces to become VodafoneThree. Here’s what this means for UK telecoms. 

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