Fintech
The Asian Countries That Actually Need A CBDC
At the recent Singapore Fintech Festival, the city-state’s announcement that it would pursue a wholesale central bank digital currency (CBDC) pilot next year was big…
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Public Transit Needs Better And Cheaper Payment Systems
Improving digital payments on transit could be seen as a major green issue, Aaron Klein at the Brookings Institution suggests…
There Are Gaps In The US Real-Time Payment System. Who Will Fill Them?
A lot of ink has been spilled speculating about FedNow, the US government’s forthcoming real-time payments infrastructure — especially how…
Apple Takes A Bite Out Of Traditional Banking
In a recent Forbes column, I assert that “tech giants like Apple AAPL ” pose an existential threat to offline…
China Aims To Become A Leader In Green Finance
China is currently the world’s largest emitter of greenhouse gases, accounting for nearly 1/3 of the global total. Beijing is…
Substack Shows Community Ownership Doesn’t Need Web3 Or Tokens
As the world waits to see if Web3 is more than just a marketing term to pump the blockchain hype…
If The U.S. Bans TikTok, Where Will Gen Z Go For Financial Advice?
OBSERVATIONS FROM THE FINTECH SNARK TANK Should TikTok be banned in the US because it’s a national security risk? Or…
Regulators Under Pressure From Banking To Crypto – Who Is Leading The Strategic Digital Innovation Agenda For Financial Services?
The failure of SVB and Signature bank has put pressure on U.S. banking regulators as concerns mount about short positions…
The Clearing House’s RTP Or FedNow For Instant Payments? Users Want Both
Businesses appear to be in favor of real-time payments, according to a survey by U.S. Bank, and a better payment…
If You Could Send Money To A Blue Tick, I Might Just Get One
Visa V have launched their “Visa+” service, initially through partners PayPal and Venmo, with the admirable aim of helping people…
Plaid Launches New Feature To Speed Up Bank Payments
Plaid, a company known for connecting customers’ bank accounts with fintech apps, is expanding to provide real-time bank transfers. The…
Incumbents Are Poised To Dominate Digital Banking In Thailand
One would be hard pressed to find any market in East Asia except the Philippines where startups are major digital…
Social Issues Impact Consumers’ Choice Of Banks—Should Banks Take A Stand?
OBSERVATIONS FROM THE FINTECH SNARK TANK Banks’ attempts to steer clear of taking positions on controversial social issues like mental…
It’s 2023. Do Banks Still Need Branches?
The recent uncertainty in the banking sector presents an urgent question for bank leaders: how can we convince our customers…
How Tech Workers Can Land A Fintech Job
Despite mass layoffs affecting large tech and later-stage fintech companies, there is an opportunity for the people laid off to…
Is India’s UPI Real-Time Payments System Ready To Go Global?
It is no exaggeration to say that India’s United Payments Interface (UPI) real-time payments system has been a game changer…
What Turbulent Times Mean For European Banking-As-A-Service
As covered in my last piece, defining BaaS is challenging. It means different things to different people depending on their…
LTX Corporate Bond Trading Moves To AWS For Better AI
LTX has migrated its electronic trading platform for corporate bonds to Amazon Web Services (AWS). The company, a subsidiary of…
Crypto Regulation And Public Health: Financial Services And Gambling
The U.S. Treasury Secretary Janet Yellen recently told Reuters that it is "critical" to put in place a strong regulatory…