Here are key takeaways in talking to 500+ founders and product teams evaluating banking services providers.

In the era of “every company will be a fintech company”, the path for launching financial services can vary widely. …


Affirm’s founder, Max Levchin (Image —Time)

Affirm, a fintech unicorn known as a top Buy Now Pay Later consumer lender, has gone public, 3 months after filing its application with the SEC. The likelihood of this move first came after a report in July (from WSJ) broke the news that the company was speaking with Goldman…


Chase Mobile App (Image Credit — Bankrate)

In the aftermath of the Financial Crisis (2008–2009), large banks were taking a step back from their existing business models across all lines of business. The focused was on minimizing non-essential costs. JPMorgan Chase (JPMC) took the opposite approach and concentrated on expansion in the last decade. …


Mobile Banking at a cafe (Image Credit — BiometricUpdate)

At the end of 2019, we reflected back on the 2010s and the early digital transformation that took place in financial services. The new wave of FinTech innovation launched new products, neobanks, and upgraded models for financial institutions to follow in the last decade. Many banks were slow to make…


US Regulator Approvals (Image Credit — PaymentsJournal)

With the focus of 2020 being on COVID-19 and most recently the US presidential election, it’s difficult to see through the headlines the critical developments in regulation of FinTech companies. There are numerous milestones in application approvals led by Varo Bank receiving its bank charter approval in July. Throughout the…


TED Talk (Image Credit — Forbes)

About a year ago, we posted “The 6 Best TED Talks about Financial Services.” The subject matter experts covered topics from digital transformation, blockchain, microfinance, and cryptocurrency — all within financial services. The short-form, storytelling format continues to be influential in helping audiences globally absorb industry content.

This year we…


Customer Support team (Image Credit — NextGov)

FINTECH FLASHBACK is a series on FinTechtris that takes a look back at topics first discussed over a year ago and provides updates, dialogue, and further developments of what’s going today in the industry.

Over a year ago, we discussed Customer Experience (CX) as being the most impactful factor for…


Prize in Prize-linked Savings (Image Credit — Forbes)

As a response to the economic downturn from the pandemic, governments around the world have lowered bank rates to 0% in order to reduce the impact. This policy move has had a ripple effects on deposit interest rates that retail banks pass to clients with savings, money market accounts, or…


Business Exec Walking a Tightrope (Image Credit — ERP)

The headlines for the FinTech industry are filled with high-profile acquisitions, companies going public, and a bank charter approval — all within the last 7 months. It would seem the investment community can’t get enough of innovative financial services firms and their platforms.

For founders of early stage fintechs and…


Mobile screens for Vibe, Klarna’s new loyalty program (Image Credit — Efma)

The financial impact from COVID-19 resembles what happened after the Financial Crisis of 2008–2009. Concerned about fees, interest rates, and high levels of debt from loans and credit cards, consumers looked for alternative payment methods in debit cards. For millennials and younger generations, credit is not an option that they…

William U. Morales

More than innovation in financial services — covering the next generation in FinTech and Banking. Content, strategic partnerships, and growth @FinTechtris

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