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How Does Digital Identity in Financial Services Bridge the Expectation Gap?
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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How Banking Regulation Uncertainty Can Reshape Banks and Fintechs
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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Open Banking Challenges: Untangling Fintech’s Most Pressing Data Problems
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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Brokered Deposits in Banking and the Battle for Stability
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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Embedded Banking Strategy: Building the Future of Financial Services
Embedded banking strategy is revolutionizing the way we experience financial services. No longer confined to traditional banks, financial interactions are now seamlessly integrated into our daily lives—whether we’re booking a ride, shopping online, or managing a company’s cash flow. This shift demands more than just innovative technology; it requires a strategic rethinking of how and…
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Are FBO Accounts in Fintech Holding Back Modern Banking?
As fintech partnerships continue to grow, so do the complexities of their underlying infrastructure. A central point of friction? FBO accounts in fintech—a seemingly simple tool that’s creating serious operational, regulatory, and financial challenges for banks and startups alike. If you’re building or supporting a fintech product, it’s time to rethink how these accounts work,…
