When the United Kingdom voted to leave the European Union in 2016, most headlines focused on trade, immigration, and politics. But for the financial technology (fintech) sector — one of the UK’s fastest-growing industries — Brexit represented a seismic shift in how companies collaborate, compete, and comply across borders. Years later, the dust is settling.…
Banking is no longer just for banks. Over the past decade, a quiet revolution has been reshaping the financial sector: Banking-as-a-Service (BaaS). This model allows non-banks — from retailers to fintech startups — to offer banking-like products by leveraging licensed banks’ infrastructure via APIs. What used to take years, cost millions, and require heavy regulatory…
Money is changing. Around the world, central banks are exploring how to modernize their currencies for a digital future. Instead of relying solely on cash or private-sector payment apps, many governments are looking at Central Bank Digital Currencies (CBDCs) — state-backed digital versions of fiat money. While no major Western economy has yet launched a…
In recent years, “green finance” has shifted from a niche concept to a mainstream priority. It’s no longer enough for banks to focus on profitability alone; they are now under pressure to ensure that the money they lend and invest also supports a sustainable future. Europe has taken a clear lead in this transition. From…
In much of Asia, the concept of a “super app” has transformed how people interact with technology. Platforms like WeChat, Grab, and Gojek are not just apps; they are ecosystems. They allow users to message friends, order food, hail a ride, pay bills, invest, and even apply for loans — all in one place. In…
Financial inclusion has long been associated with developing countries—helping unbanked and underbanked populations gain access to essential financial services. However, developed economies also face inclusion gaps, particularly among low-income groups, immigrants, rural communities, and small businesses. Here, financial technology (FinTech) plays a transformative role, not just by improving convenience, but by reshaping the entire financial…