Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
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Daily
Every morning
Weekly
Tuesday recap
Fonix Mobile leverages carrier‑billing and SMS to let consumers pay via their phone bill, securing high‑retention contracts with broadcasters, charities and major media brands. Its proprietary campaign platform captures interaction data, enabling targeted upsell and creating a feedback loop that deepens engagement. The company has expanded profitably across Europe using a capital‑light, UK‑centric operating model, while launching PayFlex to recover failed transactions. Strong dividend policy and a forward PER below 13 suggest the stock is undervalued relative to its scalable payments engine.
The article envisions a near‑term shift to heartbeat‑based digital identity for financial transactions, replacing cumbersome fingerprint, facial scans and OTPs with a ring‑mounted sensor. It argues that a unique cardiac signature can authenticate trades on platforms like Coinbase or IG...
Payaza has become the only Visa‑certified payment processor headquartered in Sub‑Saharan Africa, choosing to bypass traditional aggregators and secure direct access to card schemes. This infrastructure‑first strategy cuts intermediary fees, improves margins and enables reinvestment in product development. The firm...
Ibukun Adedeji, a product leader at Moniepoint, shares insights from his fintech career across Africa. He emphasizes that reliability, not just features, builds user trust and that operations knowledge is essential for product success. Adedeji highlights the rapid user‑driven adaptations...
Global AI and SaaS startups are feeling the strain of outdated cross‑border payment rails, especially when moving funds from the US to India. Traditional bank wires can take three to five days and often deliver FX rates that differ from...
Researchers at ThreatFabric have uncovered a new Perseus Android malware variant that masquerades as IPTV streaming apps to infiltrate smartphones. The strain builds on Cerberus and Phoenix code, leveraging Accessibility Services to stealthily control devices, scan note‑taking apps, and overlay...
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AvidXchange has launched an embedded accounts‑payable‑as‑a‑service (APaaS) solution for the AppFolio Property Manager platform, now listed in the AppFolio Stack Marketplace. The integration lets property‑management teams initiate and approve supplier payments directly within AppFolio, eliminating the need for separate finance...
Express Wages has teamed up with Good Hands Home Care to offer caregivers and staff on‑demand access to earned wages, allowing advances of up to $200 per day. The service uses a no‑fee Visa prepaid card, ACH, or instant debit...
Wise has appointed former Intercontinental Exchange CFO Scott Hill as an independent non‑executive director. Hill brings 14 years as ICE CFO and prior leadership roles at IBM, CS Disco, and Cardlytics. Wise aims to leverage his public‑company and U.S. market...
EtherFi, a crypto neobank with roughly $6 billion TVL, is integrating Plume Network’s Nest Vault infrastructure to offer tokenized real‑world asset yield via the nBASIS vault powered by Superstate’s USCC fund. The partnership will initially re‑allocate capital to the vault, followed...
A record 111 million U.S. consumers carried credit‑card balances at year‑end, pushing total debt past $1 trillion. The average annual percentage rate slipped to 22.3% in Q4 2025, down from 22.8% a year earlier. Policy advocates propose a 10% interest‑rate cap, arguing it...
The FCA will bring the £13 billion UK BNPL market under full regulatory oversight starting 15 July 2026, requiring lenders to conduct mandatory affordability assessments and provide standardized pre‑contract disclosures. A Temporary Permissions Regime opens from 15 May to 1 July 2026, after which firms must...
Klarna: 5x Opportunity or a Subprime Lender? $KLAR offers a uniquely asymmetrical profile: - Beat Down Stock - Expanding into Banking - Strong Growth - Potential for improving profits https://www.globalequitybriefing.com/p/klarna-5x-opportunity-or-a-subprime?r=39awso&utm_campaign=post&utm_medium=web
At FinovateEurope 2026, Gradient Labs CEO Dimitri Masin outlined the industry’s move from mobile‑first interfaces to "agentic banking," where AI agents execute complex, judgment‑heavy tasks. He argued that traditional fintech apps still rely on large human back‑offices, creating friction for...
Robinhood has begun beta‑testing Robinhood Social, a social‑media platform for traders that lets users post trades in stocks, single‑leg options, crypto and prediction markets. The initial rollout reaches 1,000 carefully selected customers, with a plan to add 10,000 more in...
Mastercard announced a definitive agreement to acquire BVNK, a stablecoin‑infrastructure provider, for up to $1.8 billion, including $300 million in contingent payments. The deal gives Mastercard a ready‑made on‑chain payments platform, positioning it to bridge traditional card networks with crypto assets as...
TSG has launched its 2026 Directory of U.S. Merchant Acquirers, a subscription‑only research tool sponsored by Deluxe Merchant Services. The guide profiles more than 300 merchant acquirers, representing over $13.5 trillion in processing volume, 550+ sponsor‑bank ties, and 55+ proprietary processing...
Viva Benefits introduces a rent‑to‑invest platform that lets renters allocate a portion of their rent toward savings and investment products. The service operates as a resident amenity, offering financial rewards that encourage on‑time payments and longer tenancies. For landlords, the...
American Express announced integration of its virtual‑card solution into SAP’s Concur expense management platform. The new capability lets corporate users generate single‑use card numbers, set spending limits and automatically reconcile transactions, initially rolling out to select U.S. customers with a...
The 27th Connected Banking Summit convenes in Egypt in 2026, targeting inclusive digital banking and technology‑enabled financial infrastructure across North Africa. The agenda spotlights AI‑native payment solutions, exemplified by Pismo and Visa’s partnership with Vivi Money in Australia, and the...
Affirm's CFO Rob O’Hare said the buy‑now, pay‑later lender could tighten its underwriting if U.S. economic stress intensifies, including dropping low‑margin loans, requiring down payments, and asking for more financial information. He emphasized these measures are hypothetical and that the...
Cleavr announced a €1 million funding round led by Kima Ventures and other investors to accelerate its AI‑driven accounts‑receivable platform. The solution automates reminders, reconciliation, dispute handling and multi‑channel communication, aiming to cut late‑payment losses for finance teams. Already deployed with...
Littlepay, Google and the Go‑Ahead Group have launched the world’s first prepaid transit passes that can be bought and used directly from Google Wallet on Brighton & Hove Buses. The solution uses Littlepay’s Card As Authority to Travel (CAATT) model,...
In this episode, Hatch Bank President Amanda Swarverland discusses the evolution of sponsor banking, sharing her journey from risk officer at Sunrise Bank to fintech executive at Unit and back to banking leadership. She highlights the strategic choices banks must...
🚀 The End of the "Grey Zone"? SEC & CFTC’s Landmark Crypto Taxonomy Explained The "Securities and Everything Commission" era is officially over. The SEC and CFTC released a joint 5-category taxonomy that finally brings a "common language" to digital finance. The...
Just learned that Airwallex started because the founders were running a coffee shop in Melbourne and kept getting ripped off on cross-border payment fees. They got so annoyed they built a whole payments platform. That company is now worth $12B. All because...
Checkout.com processed over $300 bn in e‑commerce volume in 2025 and posted its first full‑year profit, cementing its position as a leading enterprise‑focused PSP. Chief Product Officer Meron Colbeci said the firm will now make measured bets on three growth pillars: agentic...
Digital payments in Latin America have surged, with electronic transactions tripling between 2019 and 2023 across six economies. Surveys show that in 16 of 17 countries, a majority now prefers cashless methods, driven by convenience, safety and a booming fintech...
Fintechs are moving from reliance on partner banks to seeking their own banking charters, highlighted by three high‑profile applications in Q1 2026—Affirm, Payoneer and Upstart. Direct supervision by regulators, though demanding, promises operational certainty compared with fragmented licensing. The new charter...
Palantir Technologies and Moder announced a strategic partnership to co‑develop an AI‑powered mortgage operations platform, with Freedom Mortgage as the first pilot customer. The solution uses Palantir’s Ontology to translate regulatory guidelines into configurable, testable, auditable rules that integrate with...
In a submission to the House of Lords, Innovate Finance warned that the Bank of England’s draft rules would effectively prevent the launch of a GBP‑denominated stablecoin. The proposal includes strict user‑holding limits, a requirement that 40 % of backing assets...
Stablecoin's Biggest Risks Hide in the Plumbing – The Infrastructure No One Talks About MIT looks at the risks hiding in stablecoins’ plumbing to show how holding a dollar peg depends not only on the quality of assets, the focus of...
I am thrilled to announce all EU and UK listings are now live in the @fiscal_ai API. They roll into the Terminal shortly. The complexities of making this happen, the edge cases, the quality control, the source material ... extremely hard. So proud...
Banks are positioning themselves at the forefront of digital identity wallets, integrating AI-driven biometric verification to combat fraud. Industry analysts, like Lorena Roman of Raiffeisen Bank International, stress that collaboration among banks, regulators, and tech firms is essential for scaling...
Every day, in every way, it gets worse. Marquis says 672,075 people had their names, dates of birth, postal addresses, social security numbers, bank account and card details stolen after hackers got in to their firewall provider’s system. https://t.co/Wes13lLF1N https://t.co/vnLfmf8HsP
The difference between noise and relevance is data. Understanding customer preferences allows financial institutions to deliver the right message at the right moment. Download The Power of Customer Permissioned Data for free: https://t.co/2JDFLgM4mB https://t.co/SsGg8LpUyu
Bernie Miles, a former Klarna executive and ex‑CTO of PPRO, has been appointed chief data and technology officer at fintech platform Tide. In his new role, Miles will steer Tide’s transition to an AI‑first business‑management platform that bundles credit, accounting,...
Bitcoin is a $1T+ asset — but barely used in finance. Can that change? On Unchained, @EmanAbio joins me to discuss a new approach to using BTC for lending, credit, and yield — and why previous attempts haven’t worked. https://t.co/oU2EeDw6Mf
This AI agent can now survive real markets. @overdotcomputer built the execution layer that changes that. Every decision becomes structured memory that sharpens the next one. Arena is live → https://t.co/LE78hfbP3D
Institutional investors are increasingly monitoring prediction markets as a source of alternative data, but adoption remains limited. Hedge funds and macro investors show clear interest, yet few have integrated these signals into regular investment workflows. Polymarket and Kalshi dominate the...
Crunchbase called it. Three months ago, we flagged @BVNKFinance as a likely acquisition target, & @Mastercard just announced plans to acquire it for up to $1.8B. That’s the power of predictions — you can spot opportunities early & move before competitors....
European fintech News: Airwallex commits $1.1 billion to European expansion, with Spain and Sweden in its sights. The cross-border payments company plans to invest significantly in Europe over the next five years, marking its most substantial push outside the Asia-Pacific...
2C2P and M‑Pay have teamed up to launch the Payment Air Controller (PACO), a payment‑orchestration platform for Sun PhuQuoc Airways (SPA). The solution aggregates cards, digital wallets, QR codes and direct‑debit options through a single API, enabling smart‑retry routing across multiple...
Ant’s quarterly profit plunged 91% after the Chinese digital payments firm ramped up spending to compete in artificial intelligence and health care, while a decline in the fair value of certain investments weighed on results https://t.co/vLZUkRt8gW
POS agents have been vital for financial inclusion in Nigeria, providing cash access and basic banking services to the informal sector. However, rising fees and anti‑agent sentiment are eroding trust, as withdrawals through agents can now cost more than ATM...
Today at #MPE2026 with my @chyppings hat on: Future-proofing Payments with Quantum-Ready Infrastructure' examining what quantum means for payments security, and what needs to happen next. 📍 19 March | 12:45–13:45 | Main Stage (Potsdam I) @mpecosystem #MPEBerlin #ILoveMPE https://t.co/bxOPVlv53L
Zopa Bank added half a million new customers last year, bringing its total base to 1.7 million, and posted a 90% profit jump to £65 million. Sales rose 24% to £377 million and deposits grew 17% to £6.4 bn. The fintech‑turned‑bank leveraged its in‑house tech...
Wow. Ten years ago. Birch, D., Brown, R. G., and Parulava, S. (2016). "Towards ambient accountability in financial services", Journal of Payments Strategy & Systems 10(2). https://t.co/HQRpD3fj8A https://t.co/Hpv4NOqOgE
FinSight Ventures, led by Pavel Gurianov, has committed roughly $20 million per deal to Indian fintech and consumer super‑app companies, backing firms such as Razorpay, Easy Home Finance, Gupshup and Car Dekho after an initial fund‑of‑funds strategy. While Gurianov acknowledges that...
