Articles
How the Buy Now Pay Later (BNPL) model is shaking up the financial services industry
The Buy Now, Pay Later (BNPL) phenomenon is the latest in a long list of attempts to challenge the status quo.
June 1, 2022 • Ian Bradbury
Disruption has been a mainstay of financial services for some time now. Be it the need to keep up with digital-native disrupters, meet evolving consumer demands, or navigate the impacts of rece...
To Buy Now Pay Later (BNPL) or not to: Another Fintech disruption?
The African ecosystem and the rising financing rounds
May 31, 2022 • Fiyin Ogunlesi
Going into the pandemic, BNPL became the fastest growing eCommerce payment method in advanced markets, giving consumers some moment of relief from the pressure of outright payments or the i...
The Bull Case for Polygon (MATIC) - Part 1
One L2 to scale them all, one L2 to drive them, One L2 to bridge them all, and on the Blockchain bind them; On Polygon where the dApps lie.
May 29, 2022 • Piroune Balachandran
What is Polygon? Polygon is a decentralized Ethereum scaling platform that enables developers to build scalable user-friendly dApps with low transaction fees & high throughput without sa...
Why Our Voice Holds the Key to Beating Financial Services Fraud
Innovative approaches are required to beat financial services fraud both in the present and future
May 26, 2022 • Nigel Cannings
Fraud has been a problem faced by financial services since its conception. However, old problems cannot be combated by outdated solutions – innovative approaches are required to beat financial ...
Musk, Twitter, and the quandary of Web 2.0
Why we need Web 3.0?
May 25, 2022 • Sam Ghosh
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?
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...