Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
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Every morning
Weekly
Tuesday recap
EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
At SuperReturn Europe, Mark Phillips, Global Head of Private Credit, highlighted the $41 trillion addressable credit market and argued that private credit could replace up to 15 % of traditional financing. He explained how data analytics and artificial intelligence are reshaping underwriting, allowing faster, more precise risk assessments. Phillips also noted the growing role of real‑asset collateral in expanding loan structures. The discussion underscored a broader shift toward non‑bank lenders in the credit ecosystem.
A petition filed by Crowdfund Capital Advisors requests the SEC raise the Regulation Crowdfunding (Reg CF) funding cap from $5 million to $20 million. The filing argues the existing limit fragments capital raises and hampers mature, post‑revenue companies seeking Series A financing. CCA cites...
BlockDAG’s presale, now at $0.003, has raised $442 million and is set to close on Jan 26, with market makers projecting an opening range of $0.38‑$0.43. Meanwhile, ZCash posted a 24% weekly gain, eyeing the historic $616 resistance, and XRP remains steady...
Jefferies disclosed a $30 million pretax loss tied to the collapse of auto‑parts supplier First Brands, reflecting roughly $45 million of direct exposure through its Point Bonita fund. The loss appears in the bank’s fiscal fourth‑quarter report, the first after First Brands filed for Chapter 11...
Fiserv announced a strategic partnership with Microsoft to embed artificial intelligence across its development platforms and workforce. The collaboration gives employees access to Microsoft 365 Copilot and expands use of the Foundry AI platform, which has already processed more than...
Payments giant Fiserv’s Clover unit commands roughly 20% of the U.S. small‑restaurant point‑of‑sale market, covering about 175,000 locations, while fintech Toast follows with an estimated 17% share at 145,000 sites. Square and Global Payments round out the top four, holding...
In 2026 cryptocurrency has become a mainstream payment option for travel, with airlines, hotels and car‑rental services integrating crypto checkout on dedicated platforms. Travelers can fund bookings via digital wallets, using fast networks like Solana or the Bitcoin Lightning Network...
Alphabet’s market value hit $3.88 trillion, edging past Apple’s $3.84 trillion for the first time since 2020. The surge is tied to strong investor confidence in its Gemini AI suite and broader AI strategy. Apple, meanwhile, wrestles with a talent exodus from...
President Donald Trump signed the GENIUS Act, creating a U.S. framework for dollar‑denominated stablecoins. Analysts forecast the market could reach $3 trillion by 2030, a ten‑fold increase. However, most other jurisdictions lack comparable rules, and many are likely to impose limits...
We have this conversation about once every 18 to 36 months or so. I think it's time for a version of scary markets conversation. This one is some version of, are we in an AI bubble? And what are you...
Digital IDs embedded in mobile wallets are streamlining checkout and verification, turning smartphones into trusted identity hubs. Retailers are leveraging this capability to blend online convenience with in‑store experiences through loyalty programs, targeted messaging, and tap‑based interactions. Early adopters report...
Fireblocks announced the acquisition of crypto accounting platform Tres Finance for $13 million. The deal expands Fireblocks' product suite beyond secure asset transfer to include automated accounting, compliance, and reporting tools. Tres Finance’s technology will be integrated into Fireblocks' existing...
Banks capture 68% of AI value from back-office efficiency, only 32% from customer-facing despite prioritizing it. Meanwhile fintechs embed agents across journeys. The gap: AI currently outperforms experts on just 30% of finance tasks. Integration defines winners. Agentic AI in Banking...
When outdated credit models deny access, education alone cannot fix the problem. Mobility stalls and banks lose the growth they claim to seek. This episode breaks down why. Watch the full episode: https://t.co/m6PArSdD2z https://t.co/LYFit4gX3H
The United Kingdom’s fintech ecosystem raised $3.6 billion in 2025, outpacing the next five European nations and edging past India to claim the second‑largest global share behind the United States. Funding accelerated in the second half of the year, climbing 11 %...
🔴 Banking talent retention: Tale of two extremes New data on where bankers actually want to stay - and where they're planning their exit. https://t.co/pJptl27mrB https://t.co/vTyi6YmB5r
Correction to the Yahoo story @ChopraUSA cites: Most Americans would not have credit cards if credit card rates were capped as Trump proposed.
In this episode, Shruti Patel, U.S. Bank's Chief Product Officer for Business Banking, discusses how small businesses are navigating optimism and pressure from inflation and supply‑chain issues, emphasizing the need for working capital and lower operating costs. She outlines U.S....
Kontigo claims it detected & stopped another "hack" attempt; English: "We detected a new attack attempt targeting our authentication processes. Our security team contained it in time and activated additional protocols."
A @kontigo_app user saying they were hacked again; English translation: "they emptied my account again, but this time there was no transaction record left. I need urgent help, please."
In 2025 banks began issuing deposit tokens and settling transactions on public blockchains, marking a shift from speculative crypto to institutional use. A regulatory framework under the GENIUS Act now governs stablecoins, giving treasurers confidence to employ tokenized instruments for...
Crypto infrastructure is entering operational supply chains, and VeChain stands out for its focus on traceability and enterprise use. VET shows how blockchain can support trusted processes, automation, and sustainability. Microblog @antgrasso #CryptoExplained #Blockchain https://t.co/2MDxi52tPB
[New Episode] Inside BofA’s Surprising Expansion Strategy with Will Smayda of @BankofAmerica. Watch the full episode: https://t.co/VPOW1o2ea0 https://t.co/Sca88jockt
Arab Financial Services (AFS) has secured a Central Bank of Egypt license and launched its SoftPOS solution nationwide, turning any NFC‑enabled Android smartphone into a fully licensed tap‑to‑phone payment terminal. The technology eliminates the need for traditional point‑of‑sale hardware, offering...
Kalshi CEO Tarek Mansour used recent insider‑trading allegations to differentiate his CFTC‑regulated exchange from unregulated offshore prediction‑market rivals. He emphasized that Kalshi follows NYSE and Nasdaq‑style rules that ban trading on material non‑public information, while platforms like Polymarket operate in...
MS, the corporate advisory arm of MS Holdings, secured an Abu Dhabi Global Market (ADGM) Company Service Provider licence, allowing it to deliver regulated corporate services such as company formation, SPV management and foundation governance. The new licence builds on...
Creators are shifting from ad‑driven content to subscription models, turning fan relationships into predictable revenue streams. Direct‑to‑fan platforms remove intermediaries, but scaling requires business‑grade tools such as CRM systems and automation. Effective segmentation, personalized messaging, and retention tactics now differentiate...
Enterprises are consolidating verification, marketing, notification and two‑way messaging onto a single global SMS platform, and ITNIOTECH is emerging as a leading provider. The company claims coverage in over 200 countries, direct partnerships with 500+ operators, and verification success rates...
The article highlights how airdrops have become a core marketing tool for blockchain startups, especially on Solana. Solana’s high throughput, low fees, and relatively stable SOL price make it ideal for diverse airdrop formats, from holder and staking rewards to...
Business‑to‑business payment infrastructure is rapidly shifting toward speed, intelligence, and integration. By 2026, real‑time settlement will be the norm, while AI‑driven tools automate invoice reconciliation and fraud detection. Embedded finance will embed payment capabilities directly into ERP and procurement platforms,...
In 2026, corporate cards have shifted from a competitive edge to a basic entry point for business spending. Companies that rely on a patchwork of card providers, invoicing tools, FX solutions, and spreadsheets face limited cash‑flow visibility, manual reconciliations, and...
Buy‑Now‑Pay‑Later (BNPL) is moving beyond fashion purchases to become a core liquidity tool for everyday bills. Roughly two‑thirds of U.S. households live paycheck‑to‑paycheck, creating timing gaps that traditional overdrafts and late‑fee penalties currently fill. BNPL’s installment models are now anchored...
Citi and PYMNTS have launched a weekly podcast, "From the Block: Straight Talk on Stablecoins and Digital Assets for Corporate Leaders," debuting Jan. 13. Co‑hosted by PYMNTS CEO Karen Webster and Citi’s Global Head of Digital Assets Ryan Rugg, the...
The PYMNTS Intelligence report finds that nearly seven‑in‑ten U.S. consumers now live paycheck to paycheck, with confidence in personal finances and the broader economy slipping. Food price inflation tops the list of stressors, affecting even households earning $100,000 or more,...
The PYMNTS Intelligence report, co‑authored with WEX, finds that B2B buyers are increasingly demanding embedded payment options, with 72% saying they prefer suppliers who offer them. Companies are moving away from building their own payment stacks and instead adopting white‑label...
The article outlines the small‑test rule, a disciplined verification process investors use before committing large capital to financial platforms. It details a four‑step workflow—small deposit, standard actions, withdrawal test, and documentation—to assess operational reliability. The rule emphasizes real‑world performance over...
Stablecoins have become a core layer for cross‑border payments, on‑chain treasuries, and programmable finance, but their competitive edge now hinges on onboarding speed. The first fiat‑to‑stablecoin conversion experience determines whether users adopt the technology or abandon it before any benefit...
Dogecoin’s active community and fast transaction times keep demand strong, but traditional proof‑of‑work mining remains hardware‑intensive. Fleet Mining introduces an AI‑driven cloud mining platform that lets users mine DOGE without owning equipment. New registrants receive a $15‑$100 bonus and can...
In this episode, Nnamdi Okike, co‑founder and managing partner of 645 Ventures, discusses the current AI hype cycle and its implications for fintech startups, emphasizing the need to differentiate genuine innovation from hype. He offers practical advice for fintech founders...
KeyBank agreed to pay $7.77 million to settle allegations it sought forgiveness for fraudulent Paycheck Protection Program loans. The settlement covers nearly $6 million in SBA loans that a Conshohocken branch manager, Tommy Hawkins, allegedly secured by inflating payroll and employee numbers....
Urs Bolt and PhD candidate Liam Reeve discuss why WealthTech is crucial for Southeast Asia, highlighting that despite a slowdown in startup funding in 2025, technology is outpacing legacy financial institutions. They explain how digital wealth management platforms can bridge...
Binance founder Changpeng Zhao‑backed YZi Labs has accused CEA Industries of deploying a poison‑pill shareholder‑rights plan to block investor influence. YZi, a major stakeholder, lodged regulatory filings to expand the board, reverse recent bylaw changes, and rally an investor coalition....
FreshBooks announced a strategic partnership with Kick, embedding the latter’s automated bookkeeping engine into its small‑business management platform. The integration automatically categorizes, reconciles and keeps transaction records tax‑ready, extending FreshBooks’ existing invoicing, payments, accounting and payroll tools. Targeted at U.S....
Why do consumers struggle with even basic financial choices? And who really benefits from that complexity? I explore these questions with Tarun Ramadorai of the @imperialcollege. Watch the full episode: https://t.co/ULBFc2UkuF https://t.co/QyvYkI9NI3
PayPal has launched the Transaction Graph Insights & Measurement programme, giving merchants a cross‑merchant view of real shopper behaviour and ad performance. Leveraging its network of over 430 million consumer accounts and tens of millions of merchants, the platform maps the...
Stripe has announced a partnership with Crypto.com to enable merchants to accept cryptocurrency payments directly through Stripe’s checkout platform. The integration allows Crypto.com users to spend their digital assets at online stores without first converting them to fiat. The solution...
House Financial Services Committee Chairman French Hill unveiled a community‑bank deregulation package aimed at curbing regulatory "flip‑flop" when administrations change. The bill proposes tailoring provisions, eliminating reputational‑risk components from examinations, standardizing stress tests, raising size thresholds and redefining brokered deposits....
ZEAKS has launched the Zeaks Trade app, expanding its mobile product suite and reinforcing its architecture for mobile‑first users. The app builds on the platform’s core logic while adding performance tweaks for variable network conditions. A streamlined interface places key...
Institutions that move beyond pilot programs and deploy AI in live environments will create advantages that grow stronger over time. Action compounds value. https://t.co/rvTr4BICNz
Federal Reserve Vice Chair for Supervision Michelle Bowman announced a potential overhaul of the regulatory framework for community banks. She proposes separating community‑bank oversight from larger institutions, updating asset thresholds by indexing them to nominal GDP, and reducing data‑reporting burdens....
