Buy Now, Pay Later (BNPL) services have revolutionized consumer finance over the past five years. Once seen as a simple installment-payment alternative for e-commerce, BNPL has grown into a mainstream credit option — and with it comes growing regulatory attention. In 2025, regulators across the US, UK, and EU are reevaluating how to balance consumer…
Banking in Europe has never been more exciting. The last decade saw a wave of digital-first, mobile-only institutions — often called “challenger banks” — taking on traditional banking giants. These firms combine sleek apps, transparent fees, and innovative features to meet the expectations of modern customers. In 2025, competition is fiercer than ever. New players…
Over the last decade, Canada’s financial technology (FinTech) industry has gone from niche to mainstream — and at the center of this transformation stands Toronto. Once primarily recognized as the headquarters city of Canada’s traditional banking giants, Toronto is now emerging as a global hub for innovation, investment, and next-generation financial services. But how did…
Open banking has reshaped how consumers and businesses interact with financial institutions. At its core, it’s about empowering individuals to control and share their financial data securely with trusted third-party providers, enabling better budgeting tools, faster loan approvals, and more competitive services. But not every region has embraced open banking in the same way. Europe,…
Global commerce is growing faster than ever, and so are financial connections between the United States and Europe. Every day, billions of dollars move across the Atlantic — from multinational corporations settling trade invoices to individuals sending money to friends and family. Yet despite technological progress, cross-border payments remain expensive, slow, and complex compared with…
Managing money today is nothing like it was a decade ago. The rise of FinTech (financial technology) has transformed how people budget, save, invest, and even pay off debt. Whether you’re trying to keep track of daily expenses, grow your savings, or plan for retirement, there’s an app for almost everything. In North America and…