Musk, Twitter, and the quandary of Web 2.0

What is the biggest corporate drama this year till now? Well, most will agree that the drama involves Elon Musk and Twitter. Musk on 4th April 2022, made it public that he bought a major stak...

Can ETH Layer-2 Solutions Solve for Both Privacy and Scale?

Key Takeaways: The public nature of the blockchain introduces privacy concerns about data-privacy for retail and institutional users Layer-2 solutions, especially zero-knowledge technol...

How Financial Institutions are creating technical debt in their transition to Cloud

Many of the corebanking applications that I developed more than 20 years ago, when my working life began, are still active today. Processes developed more than 20 years ago that are still neces...

Crypto Payments: Don’t Hitch your Tesla to a Model T

Why this story matters Even banks are tired of the current payment systems. They are looking at instant payments via Zelle to replace credit cards. Crypto payment and conversion technology ...

Spotting early warning signs of at-risk consumers with Open Banking

For UK consumers, the current economic climate continues to create challenges. As the cost of living rises continues to intensify, many are concerned that they will no longer be able to keep up...

How Can AI Bolster Banks’ AML Capabilities?

If N26’s recent experience with Italian regulators this year proves one thing, it is just how precarious a bank’s fortunes can be without robust and, crucially, efficient anti-money launde...

Happy Birthday, FinCEN!

Dear FinCEN, Happy Birthday!! On this day 32 years ago , you were born via Treasury Order Number 105–08 with the mission of providing a government-wide network to support the detection, inv...

The Future of Sustainable Finance

In his 2022 letter to stakeholders, Blackrock’s CEO, Larry Fink, wrote that the next thousand Unicorns won’t be search engines or social media companies, but sustainable, scalable innovators – ...

DAOs, Reputation and the Future of Work

A few minutes after publishing last issue on DAOs, I wanted to change something. In my parting thoughts, I wrote that “future college graduates may chose to work for a DAO instead of a company”...

Impact of AI on FinTech

The FinTech industry has grown tremendously in recent years, and it continues to grow due to emerging markets that entail digital financial services. Statistics show that the global FinTech m...

Truth of payments fintech game: its no longer about acceptance — its about marketing and retention

A story where payers and those accepting payments constantly change places as both intermittently lead the evolution of payments: Without going too deep in the backstory of payments (lest we...

How Fintech can help businesses with scaling and compliance

Although essential, financial services compliance can be difficult for scaling businesses to manage. Without the firepower of larger organisations, which may have a dedicated team overseeing co...