Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
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Daily
Every morning
Weekly
Tuesday recap
Fintech funding surged in Q4 2025, reaching $12.98 billion—a 36% rise quarter‑over‑quarter and 61% year‑over‑year. While the total capital pool expanded, the number of equity raises slipped 14% QoQ, pushing the average deal size up 57% QoQ (11% YoY). The market is dominated by late‑stage Series D‑G megrounds, whereas early‑stage financing has tightened after an AI‑driven boom. Investors now require higher revenue thresholds, with median Series A revenue four times higher than in 2021.
US to extend productivity lead on back of AI boom, say economists EU continues to lag: Pro: US productivity was set to “pull away from other developed market economies” thanks to the country’s dynamic capital markets, flexible labour force and lead in...
Nationwide data shows UK ATM withdrawals reached £4.2bn in 2025, a new record surpassing the 2017 peak. The number of withdrawals rose 6% to 34.7 million and the average amount per transaction increased to £120. About 13% of Britons say using...
ChainThat’s Beyond Insurance Accounting (BIA) platform automates the entire insurance finance workflow, capturing transactions at policy binding and generating real‑time accounts and billing schedules. By ingesting data from bordereaux, bank statements and emails with Gen‑AI tools, BIA eliminates manual reconciliations...
Pluto Financial Technologies has unveiled an AI‑driven lending platform targeting investors with private market assets. The service, backed by $8.6 million in equity and hundreds of millions in lending capacity, offers a Wealth Equity Line of Credit that can be repaid...
Yuze, an AI‑enabled digital business banking platform, has teamed up with Zand, a UAE‑based AI and blockchain‑powered digital bank, to launch digital business accounts for eligible SMEs, startups, and entrepreneurs. The joint offering provides fast onboarding, an IBAN account, and...
Several large U.S. banks, including JPMorgan Chase, Citizens Financial and TD Bank, reported higher overdraft‑related revenue in the first three quarters of 2025, with JPMorgan up 7.66% and Citizens up 16.9% year‑over‑year. The increases come despite overall overdraft income remaining...
Citi has partnered with fintech CredAble to launch a white‑label trade‑finance verification platform. The solution digitises invoice validation, cross‑checking more than ten critical fields against government‑backed digital infrastructure. By automating verification, it reduces exceptions, cuts manual follow‑ups, and accelerates capital...
UK ATM cash withdrawals reached a record £4.2 billion in 2025, surpassing the 2017 peak of £4 billion. Nationwide reported 34.7 million withdrawals, a 6% rise from 2024, with the average transaction climbing to £120. The growth occurs alongside a wave of bank‑branch...
StoneX Group announced that its digital arm, StoneX Digital, has received a Crypto‑Asset Service Provider licence under the EU’s Markets in Crypto‑Assets Regulation (MiCA) from the Central Bank of Ireland. The CASP authorisation allows the firm to offer regulated execution...
The TON Foundation announced a partnership with OpenPayd to provide a single‑API global fiat infrastructure for its blockchain ecosystem. The integration will enable seamless multi‑currency treasury management and faster grant disbursements across borders. TON’s blockchain, embedded in Telegram’s Mini App...
Stablecoins: Privatizing Gains, Socializing Losses..... Don't believe me? Read this stunning passage: "People familiar with Bank of England thinking have told OMFIF that a systemic stablecoin that ran into liquidity or redemption turbulence would be able to draw on central...
The episode examines why banks are falling short in delivering seamless, human‑centric experiences despite heavy tech investment, highlighting the "experience gap" between high‑tech tools and low‑touch service. It underscores the need for banks to adopt a customer‑first mindset, leverage generative...
The European Payments Council (EPC) announced that Revolut Bank, Wise and Bits became members on 1 January, raising the council’s total to 83 payment service providers and associations. The EPC positions itself as the key scheme manager for European account‑to‑account (A2A)...
Sagent announced that board chairman Chris Marshall will assume the role of chief executive officer on January 5, while retaining his board seat. Current CEO Geno Paluso will transition to vice‑chairman and serve as senior advisor during the handover. Marshall brings extensive mortgage‑banking...
VoPay International Inc. announced that it will locate its global headquarters in Doha, Qatar, positioning the Gulf state as the central hub for its fintech infrastructure platform. The move supports VoPay’s strategy to modernize financial systems across the Middle East,...
Sterling Bank has joined Thunes’ Direct Global Network to offer Nigerians abroad faster, more transparent cross‑border payments. The partnership leverages Thunes’ infrastructure to roll out instant transfers across multiple European markets, serving an estimated 17 million Nigerian diaspora. Existing and new...
Ripple-owned GTreasury has acquired Solvexia, a data‑driven reconciliation and compliance software provider, to extend its treasury management platform. The integration will automate reconciliation and regulatory reporting across fiat and digital‑asset transactions, replacing manual spreadsheet processes that heighten fraud and audit...
Americans lost $333 million to Bitcoin ATM fraud in 2025 — FBI says there is a ‘clear and constant rise’ of this scam, and that it is ‘not slowing down.’ So this is the future of money? The authorities are acting...
Great perspective from an Asia-centric PoV. 2026 digital finance: From pilots to production • Asia leads CBDC/stablecoin real-world use • Tokenized deposits + assets boom • AI agents automate banking ops • Regulatory green lights accelerate shift #fintech #tech #finserv #AI @BetaMoroney @efipm @BrettKing @spirosmargaris @jasuja @enricomolinari @mikeflache https://t.co/sCNXBRoTuk
A ransomware attack on marketing vendor Marquis Software Solutions has been revealed to have compromised personal data of at least 823,548 customers across 80 banks and credit unions. Internal emails suggest Marquis paid the Akira group to keep the stolen...
Imagine investments that automatically support carbon-neutral and inclusive outcomes. Smart contracts make this possible. Learn how in The Rise of Technosocialism. Get your copy today: https://t.co/jyXuGZfElq https://t.co/LEQQiVX1Jj
Experian announced that its full commercial data suite is now integrated into the cloud‑based Ascend platform. The addition gives users access to over six years of granular credit information on more than eight million UK businesses, including risk scores and...
The episode spotlights a curated database of over 120 production AI use cases spanning fintech, healthcare, security, dev tools, creative software, and more, detailing what each startup builds, how AI is embedded, and the business impact. It highlights concrete examples...
The Depository Trust & Clearing Corporation (DTCC) has teamed with Digital Asset and the Canton Network to launch a tokenized version of U.S. Treasury securities. The partnership follows a recent SEC no‑action letter that clears the regulatory path for real‑world...
Transparency Analytics announced its second funding round, led by Deciens Capital and joined by investors such as Allianz Life Ventures, Mouro Capital, FJ Labs, SUM Ventures, and Core Innovation Capital. The fintech aims to bring quantitative, real‑time ratings to the...
Flutterwave’s acquisition of API‑driven fintech Mono combines extensive payment processing with deep access to Nigeria’s digital banking data, potentially reshaping credit assessment in Africa where traditional credit scores are scarce. The partnership leverages open‑banking APIs to give lenders richer transaction...
HSBC announced the appointment of Chaoni Huang, a former BNP Paribas sustainability executive, as managing director and head of its sustainable finance and transition business in Asia. Huang brings roughly 20 years of experience across BNP Paribas, Natixis, MSCI, Trucost and the...
The episode outlines how AI will transition from a tactical tool to the strategic core of financial institutions by 2026, highlighting five key shifts driven by agentic AI. It traces the evolution from 2024’s focus on selecting the right large...
Klarna Group, the Swedish buy‑now‑pay‑later firm, faces a federal lawsuit filed by a shareholder seeking class‑action status after its stock fell below the IPO price. The complaint alleges the September 2025 prospectus materially misrepresented credit risk and omitted the fact...
The episode details Cobalt Credit Union's rollout of Eltropy's AI Voice technology, highlighting an impressive 83% session containment rate alongside strong member satisfaction. It explains how the credit union, serving military families, is among the first to integrate the AI...
HSBC announced a multi‑year partnership with French generative‑AI specialist Mistral AI to run self‑hosted AI models inside its own secure infrastructure. By keeping the models on‑premise, the bank meets stringent data‑sovereignty and audit requirements across multiple jurisdictions. The collaboration immediately...
‘Down to the wire’: ECB’s digital euro project faces decisive vote in 2026 The EU Parliament may be divided, but in the end, the dependence on US Visa and MasterCard, with ever more erratic behavior in Washington, will win the day. EU...
Banco de Crédito del Perú (BCP) announced a $180 million acquisition of Florida‑based Helm Bank, a lender with $1.1 billion in assets and a loan book dominated by residential mortgages. The deal, pending U.S. and Peruvian regulatory clearance, is positioned to boost...
Sorry but the headline is BS. This obviously shows that the rider was pulled over, questioned, and put before a traffic court. There is no sign of the digital yuan CBDC being used here. How is this different...
Will advisors who dislike outbound prospecting be convinced to give it a try using tools like @FINNYAI? This month #AdvisorTech kicks off with the news that the AI-powered prospecting solution FINNY has recently raised $17 million in Series A funding...
The episode examines how banks’ public websites must shift from product‑centric sales pages to advisory, relationship‑building platforms, emphasizing personalized guidance over DIY information. Lea Nonninger of Javelin Strategy highlights common pitfalls such as siloed content, limited quizzes, and a lack...
A federal judge ruled that the Consumer Financial Protection Bureau (CFPB) must continue requesting funding from the Federal Reserve, rejecting the Justice Department’s Office of Legal Counsel interpretation of “combined earnings.” The decision follows CFPB Director Russ Vought’s effort to...
New Jersey‑based OceanFirst Financial Corp. announced a $579 million acquisition of Long Island’s Flushing Financial Corp., slated to close in the second quarter of 2026. The merger will add 30 New York branches and roughly $8.9 billion in assets, creating a $23 billion‑asset...
Solflare, a leading non‑custodial Solana wallet, unveiled the alpha version of Solflare AI, an in‑wallet large‑language‑model assistant, at Solana Breakpoint 2025. The tool lets users issue plain‑language commands to execute trades, set price alerts, and pull live social‑sentiment data without...
In this episode, Brent Johnson revisits his Dollar Milkshake Theory, arguing that while de‑dollarization narratives gain traction, the Eurodollar system and debt dynamics will ultimately pull demand back to the U.S. dollar, especially as sovereign debt crises trigger political instability....
Beyond payments: SE Asia's QR fuels AI fintech surge • Wealth +24%, insurance +16% YoY • 700 AI startups—3X consumer enthusiasm • Cross-border QR remittances rocket • $300B digital GMV—15% growth unstoppable The real bombshell is in the chart below → Don’t miss the chart...
Coinbase launching stock trading ... not tokenized stock trading, just regular old stock trading ... is really surprising to me given how laser focused the company has historically been on crypto. Feels a little desperate, like the company is chasing Robinhood.
Y Combinator-backed stablecoin "bank" Kontigo, which has links to JPMorgan Chase & Checkbook, was hacked, user funds appear to have been stolen. English translation: "We detected an unauthorized access that affected funds of some users. Your funds are protected and any...
Michael Platt and Bluecrest have posted a 50% annual return or higher for 6 of the last 10 years. That is 50%+ net of all fees and expenses too. Insane. https://t.co/BmIWxiaOuL
2026 prediction: Every fintech will claim they're "AI-powered" Most will just be running basic ML models from 2026 The real alpha? Companies building synthetic data pipelines for financial training sets That's where the actual infrastructure play lives
Healthy digital markets require a careful balance between innovation, regulation, consumer protection and data governance, creating open competition, aligning global rules and keeping dominant platforms accountable to fair and transparent standards. Microblog by @antgrasso https://t.co/FSKQurz6FZ
[New Episode] Most Financial Products Are Designed to Make Consumers Fail with co-author of Fixed, Tarun Ramadorai, Professor at the @imperialcollege. Watch the full video: https://t.co/ULBFc2UkuF https://t.co/0rIOCxB0zX
Flutterwave buys Nigeria's Mono in rare African fintech exit Rare African fintech M&A: Flutterwave's Mono acquisition shows ecosystem maturation. Exit opportunities emerging as pan-African players build vertically integrated infrastructure https://t.co/fVkBluzRqK https://t.co/HYaa1zlfhC
Transparency matters. Banks that show exactly how customer data drives better experiences gain trust and engagement. Learn more in the free report: https://t.co/8tDqGmzCp6 https://t.co/W6BGneNP4I
