The financial landscape is undergoing a seismic shift, driven in large part by the rapid rise of real-time payments. This technological advancement is reshaping how money moves through the economy, prompting a reevaluation of consumer lending strategies amid evolving macroeconomic conditions. As customers grow to expect instant financial services and regulatory frameworks become more stringent,…

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The future of fintech is unfolding faster than ever—and it’s anything but predictable. In today’s financial landscape, the only constant is change. From the explosive rise of generative AI to the ongoing struggle of traditional banks weighed down by legacy systems, the industry is approaching a boiling point. This isn’t just about incremental updates or…

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The future of fintech and regulation is unfolding rapidly, reshaping how we think about money, access, and impact. As financial technology accelerates, it’s becoming clear that fintech is no longer just a disruptor of traditional banking—it’s an engine for meaningful change. From advancing financial inclusion in underserved communities to powering climate-conscious innovation, the next generation…

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Fintech is rapidly transforming the financial landscape across the globe—not only in developed markets, but even more strikingly in emerging economies. In regions where traditional banking infrastructure is limited or nonexistent, fintech is filling the gap, driving financial inclusion through fintech innovation. Two powerful examples—Latin America and Kazakhstan—demonstrate that starting from scratch can be an…

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When Does a Fintech Become a Bank? It’s a question that’s gaining urgency as the line between disruptive innovation and traditional finance grows increasingly blurry. The original promise of fintech was clear: to disrupt traditional banking, upend outdated systems, and make financial services faster, cheaper, and more accessible. But as these companies mature, something intriguing…

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Startup culture loves a good myth: work hard enough, believe big enough, and success will follow. But the truth behind a fintech founder journey is rarely so clean. Building a company in this space means navigating shifting markets, personal sacrifices, and decisions that carry real emotional weight—often with no playbook. Cokie Hasiotis, a serial entrepreneur…

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