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The IPO of Coinbase earlier this year was a moment of great symbolism. The listing of the world’s largest cryptocurrency exchange is another manifestation of crypto going mainstream. But it also underlines the disruption blowing through financial services. A direct listing, it cuts out the usual intermediaries as decentralized finance also threate...
16 September 2021 /wealth /crypto Banking Strategy, Digital and Transformation
It might seem as if Embedded Finance is an existential threat to the incumbent banks. Fragmentation and decentralisation are radically changing the financial services landscape, and the dominance of the legacy institutions has already been fundamentally undermined. Indeed, for many players in the Embedded Finance ecosystem, this is entirely the po...
16 September 2021 /payments /wholesale Embedded Finance
The anthology of a fake. Litecoin's price skyrockets by 36% in 20 minutes and goes back down. On Monday, the web was discombobulated when reports emerged that Walmart, one of the largest retailers in the world, was allegedly about to start accepting Litecoin as payment. The news was shared by major media outlets such as CNBC and Reuters. Within 20 ...
15 September 2021 /inclusion /crypto Cryptocurrency Insights
We have all recently heard/read an article or story regarding the growing business of the so-called “Buy now, pay later”. Every week there is a new company in the banking or payments sector entering or launching a BNPL product (i.e. Revolut, Apple, Monzo, Amazon, Square, etc.). All these players are entering because they must think that there ...
15 September 2021 /payments /retail BNPL
Recently, I have seen a growing number of decision makers in financial institutions taking a different approach to technology. This is because they have realised that many of the systems they relied on in the past on are now struggling to cope, and there are major questions about their future resilience. According to an Accenture report this June,...
14 September 2021 /payments /cloud Innovation in Financial Services
Did you know that the majority of small businesses don’t even bother creating budgets? It’s true, as the statistics show. Consequently, they suffer from a lack of financial oversight; without budget planning, you don’t know how things go in your organization. To start planning your budget, first, you need to know that there are several budget types...
14 September 2021 /payments /wealth Treasury Management
As more players enter the market, BNPL is becoming a crowded space with innovative product variations. Other than the traditional pay-in-four model that pureplays offer, new entrants offer a variety of products that incorporate the fixed payments feature. Some examples in the market include splitting credit balance ( Scotiabank), splitting purchas...
13 September 2021 /payments /retail BNPL
In 2021 we’ve seen companies like PayPal set up local wallets in China, with a greater focus on cross-border payments. In the future we are likely to see more companies do the same as the finance sector evolves and embraces technology, (e.g. automated processes). Entering new markets is another step businesses, specifically PSPs, can take. Asia ...
09 September 2021
The cryptocurrency was dismissed as a fanciful figment of imagination even when the first bitcoin was introduced in 2009. Today, however, cryptocurrency and the blockchain technology have become undeniable and inevitable parts of the technology and financial landscapes globally. A lot of renowned names like IBM, JP Morgan, and even Facebook have ...
09 September 2021 /inclusion /crypto Cryptocurrency Insights
Natural Language Processing in Fintech world Technology in Banking and Finance space has given us some of the optimistic examples of evolving technologies being adopted in financial industry and has always been an early adopter of emerging and disruptive technologies. A short time ago, improvements in Artificial Intelligence is bringing us close t...
08 September 2021 /cloud /markets Fintech World
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