For the numerous fintech startups that built and launched their program in the last decade, paid acquisition channels (marketing, ads, signup bonus) was a pivotal starting point. If the startup started to see traction with user growth, finding lower cost ways to acquire customers became the priority. …

The movement of goods around the world (by air, truck, shipping carrier) is an integral part of the global economy. When this flow gets delayed or hits roadblocks, the downstream impacts are widespread to manufacturers, suppliers, retailers, and consumers. With advances in technology, logistics, and supply chain dynamics has started…

The financial services industry (and all its participants) are facing an uphill battle this year. Lower funding levels (from investors), increased competition, cautious regulatory landscape, and poor economic conditions have created a challenging market environment — for startups, mid-sized growth firms, and enterprise platforms. For the fintechs in particular, the…

For those outside of the financial services industry, Embedded Finance sounds like an opaque concept. The reality is that it’s actually something we’re all familiar with in some form. Requesting a ride from Uber or ordering from Doordash. Driving for Uber or Doordash — and getting paid instantly. Purchasing coffee…

In the last few months, we’ve experienced an increased buzz from Generative AI (artificial intelligence) across all technology companies. The modern financial services industry has leveraged AI and machine learning since the early 2010s as a way of improving fraud management, credit underwriting, and user onboarding. Using large language models…

The tech landscape in 2023 looks dramatically different than in 2021. Gone are the days of high-flying valuations and large, recurring investment rounds. New projects, products, and growth initiatives are no longer heavily prioritized. The theme is for companies (of all sizes) to scale back, minimize operating costs, and focus…

In light of the bank failures in the 1st Qtr., traditional banks and deposit frameworks have come into the spotlight. Customers from regional banks concerned about the safety and availability of their funds made bulk transfers digitally to large institutions — spurring a modern day ‘bank run.’ If there was…

Convenience, user friendliness, access, and customer experience did not describe financial services at the end of the 90s. This was when digital financial services first made a splash with peer-to-peer (P2P) payments for consumers first launched in 1998 (by PayPal). …

To say these are unprecedented times in the financial services industry is an understatement. From layoffs, tech companies contracting, difficulties in fundraising and the changing regulatory environment — we’ve seen a bit of everything in the last 12–15 months. What have we not experienced? A financial institution shutting down. By…