Articles

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

The public nature of the blockchain introduces privacy concerns about data-privacy for retail and institutional users

May 21, 2022 • Piroune Balachandran

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

With the majority of financial entities embarking on costly transformation programs to replace systems on Mainframe platforms to low-cost infrastructures, such as the Cloud, an undesired effect is taking place and it is beginning to pose a problem for the

May 17, 2022 • Alfredo Muñoz Rios

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

At a time when more than 20% of American adults hold crypto, can crypto payment technology help expedite the change to more streamlined, cheaper payments?

May 16, 2022 • Shane Rodgers

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

Before any action can be taken to support customers who might be struggling, they need to be identified

May 12, 2022 • Andy Taylor

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?

How AI and machine learning can help banks avoid regulatory and compliance miss-steps

May 11, 2022 • Colin Bristow

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!

How boundaries of regulations struggle to to be aligned to modern times

May 5, 2022 • Dan Roseman

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

While sustainable finance – or SuFi – is still in its infancy, there are untapped opportunities at the intersection between ESG and circular business models, where finance and technology can drive a real, positive impact

May 3, 2022 • Mouro Capital

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

How social media, gaming, Github, bootcamps and soon, on-chain activity in decentralized networks, provide forms of reputation that exist outside the framework of the education system

May 2, 2022 • Andrew Beal

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

More than 70% of FinTech firms have adopted AI in various ways for their key business functions

April 27, 2022 • Stan Kihu

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

Evolution of payments today and in near future: tools, services and platforms all point to the numbers game of improving the attribution — and redemption of marketing outreach.

April 26, 2022 • Daniel Gusev

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...