Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
The Credit Card Competition Act (CCCA), backed by President Trump, would cap credit‑card APRs and force merchant‑selected routing, slashing interchange fees that fund rewards and specialized products. Military‑serving banks and credit unions warn the bill will tighten credit, eliminate low‑interest cards, and reduce fraud protections for service members. Historical parallels, such as the Durbin Amendment, show similar caps failed to deliver consumer savings and instead raised costs. Analysts argue the legislation primarily benefits large retailers at the expense of military families and community lenders.
In this episode, host Stephen Sargeant talks with Pay Protocol co‑founder Yolanda Liu about the rise of decentralized, self‑custodial wallets for business payments. Liu explains how Pay Protocol tackles high gas fees and security concerns while enabling merchants to accept...
Wells Fargo posted a $5.4 billion fourth‑quarter profit, 5.5% higher than a year earlier, and lifted full‑year 2025 net income to $21.3 billion, up 7%. The bank lifted its 2026 net interest income target to $50 billion, a 5% increase, after shedding a...
Crypto’s institutional engagement is maturing, even as recent price swings spark headlines. Eric Peterson of Kraken notes that liquidity and exchange reliability have held, indicating digital assets behave like a mature asset class within broader market cycles. He warns regulators still...
The European Securities and Markets Authority (ESMA) has launched a new Digital Strategy for 2026‑2028 and refreshed its Data Strategy covering 2023‑2028. Both roadmaps focus on smarter regulatory reporting, reduced complexity, and stronger digital capabilities across the European System of...
ACI Worldwide announced the appointment of JP Krishnamoorthy as Chief Innovation & Technology Officer, leading its Global Technology & Innovation organization. Krishnamoorthy, who joined in December 2025, previously headed engineering, AI, cloud operations, and cybersecurity at Coupa Software, and has extensive...
The UK Financial Conduct Authority has formally registered DTCC’s Markets in Financial Instruments Directive/Regulation (MiFID/R) ARM licence, clearing the way for a new reporting service. Scheduled for launch in the second quarter of 2026, the platform will let market participants...
Grvt announced Travel Rule compatibility with Upbit Singapore, allowing compliant crypto transfers under Singapore’s AML/CFT framework. The integration lets users move tokens between the two platforms without depositing funds, preserving full custody of assets. Built on ZKsync Atlas, Grvt can...
The episode explores how digital gift cards have become essential tools for recognizing and motivating remote workforces, offering instant, customizable rewards that boost morale and performance. Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, highlights their operational advantages—such...
Gresham announced the completion of its acquisition of S&P Global’s Enterprise Data Management (EDM) business, a platform trusted by 30 of the top 60 global asset managers and supporting more than $12 trillion in assets under management. Backed by private‑equity firm...
Brokers traditionally spend $500,000‑$1.2 million and 12‑18 months building custom trading platforms, only to face ongoing maintenance burdens. Pre‑built self‑hosted solutions now promise a production‑ready broker stack deployed on the broker’s own servers in just 14 days, eliminating vendor lock‑in and...
Wealthfront's shares nosedive after tepid flows and stark revelation that its CEO owns the bank at heart of robo-advisor's mortgage future Wealthfront stock crashes: CEO owns bank powering robo-advisor's mortgage strategy. Conflict of interest revelation + weak flows = investor exodus....
Looks like @Mastercard-issued cards still operating for Venezuelan sanctions evasion app @kontigo_app If anyone knows who the issuer is (Rain?) or can share BIN/IIN (first 6 digits), would appreciate it!
The Senate Banking Committee released a "Myth vs. Fact" brief on the CLARITY Act, a crypto‑infrastructure bill designed to replace fragmented oversight with clear, enforceable rules. The legislation distinguishes digital securities from commodities, assigns joint jurisdiction to the SEC and...
Serving the underserved is no longer optional for financial institutions. It is the strategy gap holding the industry back, according to this powerful discussion. Watch the full episode now: https://t.co/m6PArSdD2z https://t.co/lwFdWSL0yg
London‑based Lloyds Banking Group says digital assets will reshape UK finance by 2026, moving from pilot projects to mainstream use. The bank is backing tokenized deposits, the Great British Tokenized Deposits initiative, and stablecoin‑based cross‑border payments to improve efficiency and...
Lightspark’s Bitcoin Layer 2 protocol Spark announced its Q2 2026 roadmap, focusing on cost‑effective BTC acquisition, one‑tap cross‑chain swaps, and native stablecoins. The upgrades aim to deliver instant, low‑fee transactions while expanding interoperability with wallets, neobanks, and DEXs. By introducing user‑friendly token...
Financial services firms are grappling with compliance risk as communications migrate across voice, video, chat, email, shared files and AI‑generated content. Most institutions still rely on legacy, siloed archiving tools that capture only single channels, creating incomplete records and manual‑intensive...
Asara Group and Bloom Technology’s Locus Chain have signed an agreement to build a real‑world‑asset tokenization platform for global commodity trading. The initiative targets the roughly $6 trillion annual commodity market, including a $1.5 trillion steel segment, by moving transactions onto a...
SOC 2 certification has shifted from a luxury to a necessity as organizations grapple with continuous data flows, remote work, and third‑party integrations. It evaluates responsibility through trust principles rather than pure technical ability, offering a systematic approach to security. Modern...
Lunar has introduced “Wallet story,” a visual annual summary that turns users’ transaction data into a narrative of their spending across categories like housing, travel and everyday purchases. The feature eschews traditional charts, scores or financial advice, offering a purely...
Capi Money Group announced that its UK subsidiary has received Electronic Money Institution authorisation from the FCA. The licence allows Capi UK to issue e‑money and provide regulated payment services, targeting the £80 billion annual UK‑Africa capital flow. With eight African...
High‑frequency trading firms and quant hedge funds such as DRW, Susquehanna International Group and Jump Trading are launching dedicated desks for prediction markets. They aim to apply traditional quantitative playbooks—identifying mispricing, arbitrage gaps, and providing market‑making—rather than simply betting on...
Affirm is enhancing its underwriting engine by incorporating real‑time account balances and cash‑flow trends from linked bank accounts and its own Money Account. The new data layer is already live for Affirm Card users and will soon roll out to...
The Fintech Awards London 2026 officially launched at an exclusive ceremony in the House of Lords, signalling the sector’s growing prominence. S&W announced its partnership with Aon as a new headline sponsor, underscoring confidence in the UK fintech ecosystem. The...
TodayPay’s survey of 14,000 U.S. shoppers finds 44% would rather schedule a dental appointment than wait a week for a refund. An overwhelming 94% say an instant‑refund guarantee makes them more likely to complete a purchase, while 92% would shop...
The Financial Conduct Authority, Bank of England and Prudential Regulation Authority have signed a Memorandum of Understanding with the European Supervisory Authorities. The MoU formalises cooperation on supervising critical third parties that operate under the UK’s CTP regime. It establishes...
ClearBid Global Markets announced a partnership with Archax, the FCA‑regulated digital asset exchange, to extend its cross‑border digital bond trading and data platform into the United Kingdom and European Union. The collaboration gives CBGM access to Archax’s compliant custody, settlement...
PayPal and Deutsche Bank announced an expansion of their long‑standing partnership to deliver enhanced payment solutions across the United States, Europe, and Asia‑Pacific. The deal integrates PayPal’s digital wallet and merchant services with Deutsche Bank’s banking infrastructure, enabling faster cross‑border...
Insurance firms are rapidly launching AI projects—77% of carriers started major initiatives in 2024—but most remain in pilot mode. By 2025, nearly 90% will use AI, yet only about 7% are expected to scale beyond testing. The barrier is trust...
During FinextraTV’s Predict 2026, Harrington Star co‑founder Nadia Edwards‑Dashti and financial‑services executive Samantha Emery warned that the industry’s retreat from robust diversity, equity and inclusion (DEI) initiatives could sow the seeds of a new financial crisis. They argued that labeling...
Cross River Bank has urged the U.S. Senate to preserve the newly enacted GENIUS Act provisions that allow yields on stablecoin deposits. The bank argues that these rules create competitive parity between digital and traditional financial products and protect consumer...
ExtractAlpha unveiled its Analyst Model Global, extending the firm’s AI‑driven stock‑selection engine to cover the United States, EMEA, APAC and the broader Americas. The new offering promises a single, consistent signal that can be applied across all major equity markets....
Conferma, a global corporate travel payments leader, announced Mark Ledsham as its new chief executive officer. Ledsham brings a track record of scaling fintech and financial services businesses, having held senior roles at Currencycloud, XE.com, Euronet Worldwide, OFX, Macquarie Group...
Crypto discovery protocol DIGDUG.DO has entered its Zero Phase public testnet, offering a minimalist terminal interface that emphasizes transparency and verifiable progress. The system uses the native USDDD unit as an internal, non‑transferable fuel to manage access and pacing while...
Monzo’s 1p Savings Challenge, a gamified deposit product, quickly attracted users, demonstrating the bank’s capacity to mobilise a large audience at launch. Built for Mars’ analysis shows the challenge’s strongest performance occurs in the first few days, with engagement plummeting...
Lausanne‑based LegalTech startup Ex Nunc Intelligence closed an oversubscribed €1.8 million pre‑seed round led by Spicehaus Partners. The capital will speed development of its Silex platform, add specialised AI agents, and reinforce its secure data‑silo infrastructure. Ex Nunc positions Silex as...
Zypto positions itself as an all‑in‑one non‑custodial DeFi wallet that supports over 24,000 crypto assets across multiple blockchains. The app combines self‑custody, in‑app swaps, and real‑world payment tools such as crypto debit cards, bill payments, and a gift‑card marketplace. It...
Abound, a credit‑tech firm, is entering the mortgage market by acquiring Ahauz, a specialist shared‑equity lender. The deal lets Ahauz keep its focus while gaining Abound’s AI‑driven affordability engine and capital. Abound’s first product is a Help‑to‑Buy‑style equity loan offering...
Financial crime risk assessments are often framed around models and technology, but their true strength hinges on the people involved. The article stresses that human judgment, engagement, and organizational culture determine the accuracy and usefulness of these assessments. It highlights...
European Space Agency‑backed InsurTech BirdsEyeView has closed an undisclosed seven‑figure funding round led by 24 Haymarket to accelerate its wildfire risk modelling and international expansion. The capital will fund rapid development of AI‑driven, satellite‑powered models, hiring of PhD‑level scientists, and...
YuLife, the London‑based InsurTech focused on wellbeing‑linked life insurance, has appointed Tal Gilbert as chief executive officer to drive its next growth phase. Gilbert will lead the expansion of YuLife’s AI‑powered platform and broaden employee‑benefits offerings for employers, advisers and...
Plumery announced AI Fabric, an event‑driven data‑mesh platform that creates an AI‑ready foundation for digital banking. The solution replaces fragile point‑to‑point integrations with a standardized, API‑first architecture, allowing banks to connect generative AI models directly to core data streams. By...
Lendscape announced Brett Promisel as its new Chief Executive Officer after an extensive global search. Promisel brings more than three decades of leadership experience at technology and financial‑services firms such as RELX, FIS Global and UBS, most recently heading Investor Services at...
Veera is launching a mobile‑first financial operating system that consolidates staking, yield generation, and tokenized assets into a single app, abstracting cross‑chain complexity for everyday users. The platform already serves more than two million global users, with 300,000 verified proof‑of‑human...
A new EFRAG study shows most investors and financial institutions worry that the EU’s proposed simplified European Sustainability Reporting Standards (ESRS) could degrade ESG data quality. The draft revisions would slash mandatory datapoints by 61% and eliminate all voluntary disclosures,...
Reward has integrated Experian Mosaic into its Intelligence and Activation suite, merging first‑party transaction data from ten million UK banking customers with Experian’s demographic and lifestyle segmentation. The combined offering links the "what" of purchase behaviour to the "who" of...
Airdrop strategies have transformed from simple social‑media tasks to sophisticated, multi‑layered engagement models. Between 2017 and 2021 projects moved from retweets and forms to on‑chain transactions, while 2022‑2024 introduced retroactive rewards based on usage depth. By 2025‑2026 eligibility hinges on...
In this episode, Michael Hammond talks with Trina, Senior Director of Servicing Product Strategy at ICE Mortgage Technology, about how AI is reshaping mortgage servicing. She explains that tools such as call prediction, note summarization, chatbots, and intelligent virtual agents...
eToro announced the launch of 250 new UCITS ETFs aimed at European investors, expanding its product suite as demand for regulated funds surges. European UCITS ETF inflows reached a record €330.6 billion in 2025, pushing total assets to €2.57 trillion. The new...
