Inside Addi’s Mission to Build a Fairer Financial System in Colombia
Addi, a Colombian buy‑now‑pay‑later fintech founded by Santiago Suarez, was born from a personal loss in the 1999 financial crisis and aims to reshape credit with transparent, fee‑free products. By building a lean technology platform and a two‑sided merchant network, the company has become net‑income profitable while offering 0% interest installments. It now serves three million active consumers, partners with over 35,000 merchants, and processes more than $1.3 billion in annualized GMV. Addi is investing in AI to further automate operations and sustain growth.
The Bank Charter Gold Rush: What’s Really Happening and What It Means for Banking
After a four‑year freeze under the Biden administration, the OCC is now granting preliminary approvals for over 30 fintech‑driven bank charter applications. Experts warn that these approvals are only the first step, with an 18‑month “in‑organization” phase required to build...
Unpacking PayPal’s Missed Moment: 7 Takeaways
Former PayPal president David Marcus posted a candid post‑mortem outlining why the company’s silent turnaround lost steam. He argues that a shift from product‑led conviction to pure financial optimization eroded PayPal’s core checkout moat. The analysis distills seven actionable takeaways,...
What Does 2026 Hold for Fintech?
Founders and investors see 2026 as a turning point for fintech, with stablecoins poised to become core infrastructure for cross‑border payments. AI is rapidly moving from theory to production, driving faster product launches and embedding agentic capabilities in financial workflows....
Xero’s Jolly on Building a Tech Roadmap to Level Playing Field for Small Businesses
Xero has launched an AI‑powered analytics suite aimed at small‑business owners, a move driven by chief product and technology officer Diya Jolly. After acquiring Syft and Melio, Xero now offers customizable dashboards, cash‑flow managers, health scorecards and instant AI‑generated insights....