That’s where personal finance management (PFM) stepped in to fill the gap—to inform users in which categories they spent more, like grocery, online shopping, travel, etc. When fintech providers first introduced PFM, it was mainly seen as a solution to track spending patterns on digital platforms. Over time, PFM transformed user engagement on the platform […]
If we want tokenized money to scale across geographies and infrastructures, it needs a common language. ISO 20022 might just be that language. Not just a new format ISO 20022 is often described as the successor to legacy SWIFT MT messages. Yes, it’s more modern, better structured, and supports richer data. But its real value […]
From low user engagement to complex financial processes and hesitation toward digital adoption, gamification bridges the gap between traditional banking and modern technology. From reward points to progress trackers, gamification has become a cornerstone of modern fintech applications. Gamification isn’t just about making transactions fun; it’s about preserving rituals, driving financial inclusion, and turning everyday […]
Open finance APIs will make data sharing more efficient and atomize financial services into modular microservices. Embedded finance will not simply streamline digital purchases—it will redefine every company as a fintech, forcing a re-evaluation of core competencies. As biometric security morphs from static checkpoints to continuous behavioral authentication, zero-trust architectures will default. As central bank […]
We are seeing firsthand how businesses are innovating and enhancing digital payment solutions, enabling frictionless financial services for their customers. But what exactly makes embedded finance such a game-changer? Embedded finance is reshaping the world of money by integrating financial services directly into non-financial platforms. From seamless payment options within shopping apps to embedded lending […]
The age of AI in finance: It’s more than a buzzword—It’s the future Artificial intelligence (AI) is rapidly becoming the backbone of modern financial systems. It is revolutionizing customer service, risk management, and operational efficiency. The time for skepticism is over, AI is here, and it’s transforming financial services at an alarming pace. If you’re […]
Africa: Beyond mobile money – The next frontier of financial innovation While Africa’s leapfrogging of traditional banking infrastructure through mobile money is well-documented, a more nuanced trend is emerging. The continent is now experiencing a ‘second leap’—bypassing even conventional digital banking models to embrace advanced fintech solutions. Key insights The rapid adoption of blockchain and […]
What are Gift Cards? A gift card is a type of pre-paid debit card that is usually loaded with a specific amount of money and can be later used for making financial transactions and purchases. The first time McDonalds introduced Gift certificates was in 1972 as Christmas Gift Certificates. This helped set up a broader […]
Digital financial solutions, including Buy Now Pay Later (BNPL) services, allow customers to make purchases online and in-store without paying the full amount immediately. Digitization, rising merchant acceptance, greater regular use among young customers, and the entry of new players offering BNPL services are all factors driving the market forward. BNPL’s “digital-first” interface and enhanced […]
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