Success in fintech doesn’t follow a straight line. It loops through triumphs, failures, pivots, and the occasional total reset. This is the nature of creative destruction in fintech—a cycle where progress is born from disruption and reinvention. The industry thrives not despite failure, but because of it. That’s the story emerging from a new generation…

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As the worlds of commerce and technology collide, the expectations businesses have around payments are evolving. Traditionally, the B2B payments space has been complex, slow-moving, and tangled in paperwork. But now, we’re seeing a major shift—companies are borrowing from the consumer playbook. The idea of applying B2C strategies in B2B payments is gaining traction, and…

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The gap between what consumers expect from financial services and where institutions are investing is getting wider. While banks and fintechs tout innovation through AI and embedded services, consumers are asking for something more fundamental: simplicity, clarity, and control. At the heart of it all is a demand for more intelligent, intuitive digital identity in…

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Banking regulation uncertainty is driving a new era of disruption in financial services. Between shifting political winds, evolving oversight, and economic turbulence, banks and fintech companies alike are operating in an environment where the rules seem to change by the month—if not the week. What once felt like a push toward greater freedom and innovation…

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Data is the lifeblood of financial innovation. But as fintech evolves, how we collect, manage, and share that data is coming under serious scrutiny. From open banking regulation to the murky mechanics of credit builder cards—and even the complications of cannabis banking—today’s financial landscape is a patchwork of policy, platforms, and potential. Understanding these intersecting…

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As banking faces an era of rising interest rates, fintech disruption, and regulatory pressure, one question has taken center stage: are brokered deposits in banking still viable—or a ticking time bomb? For decades, brokered deposits were seen as a red flag. They signaled higher risk appetites, possible liquidity issues, and regulatory scrutiny. But today’s financial…

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