Analysis
Explore in-depth fintech analysis covering industry trends, technological shifts, market developments, and company strategies. Fintech Review delivers thoughtful commentary on the ideas, forces, and innovations shaping the future of financial services.
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Embedded Finance vs Open Banking
Embedded finance and open banking are often mentioned together, but they serve different functions. Both reshape financial services, yet their business models, target audiences, and monetisation approaches diverge sharply. Embedded finance integrates financial services into non-financial platforms. For example, a ride-sharing app offering in-app payments or lending options. Open banking allows third-party providers to access…
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Top 10 Fintech Funding Rounds of H1 2025
The first half of 2025 saw a resurgence of major fintech funding rounds, defying earlier concerns about a slowdown. Investors redirected capital toward scalable platforms, infrastructure enablers, and vertical expansion plays. Here are the ten most significant rounds and what they signal about the fintech landscape. 1. Stripe – $1.5B Series I Stripe’s $1.5 billion…
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How Does Embedded Finance Make Money?
Embedded finance integrates financial services into non-financial platforms. It allows companies to offer banking, payments, insurance, or lending directly within their user experience. A question that many ask themselves: how does embedded finance make money? This integration creates several monetisation avenues and reshapes how financial services reach consumers. 1.Transaction fees as core income The most…
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The Role of AI in Risk Management: A New Era for Fintech
Artificial intelligence is not just enhancing customer experience in fintech, it is fundamentally reshaping how risk is assessed, monitored, and mitigated. In an industry where trust, compliance, and stability are critical, AI in risk management is emerging as a transformative force. Understanding how AI is changing risk management is essential for fintech founders, financial leaders,…
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Digital Transactions in a Globalised World
Digital transactions are now the foundation of the global economy. Whether you are paying for a coffee, sending money abroad, or receiving a salary, chances are the transaction is digital. Cash is declining, paper-based systems are disappearing, and consumers expect seamless digital experiences in every context. Digital transactions refer to the transfer of value using…
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The Future of Wealth Management Platforms: Simplicity, Access, and Smart Automation
The world of wealth management is no longer reserved for a privileged few. In 2025, digital platforms have transformed investing, financial planning, and wealth preservation into experiences that are accessible, transparent, and personalised for a much wider audience. Understanding the future of wealth management platforms is essential for investors, founders, and finance professionals alike. Modern…
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What are PSPs?
In today’s digital economy, accepting payments is no longer as simple as opening a till. Businesses of all sizes need to manage card transactions, mobile wallets, recurring billing, international payments, and more. This is where PSPs, or Payment Service Providers, come in. PSPs play a central role in enabling e-commerce, digital platforms, and financial services.…
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Is Fintech High Risk?
Fintech has captured the imagination of investors, entrepreneurs, and financial institutions alike. With sleek apps, bold promises, and disruptive business models, fintech companies have transformed how we borrow, pay, invest, and save. But beneath the innovation lies an important question: is fintech high risk? The answer is not straightforward. Fintech can be both an opportunity…
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The New Rules of Personal Finance
Personal finance has evolved dramatically over the past few years. Traditional advice about budgeting, saving, and investing still holds, but technology has introduced new tools, habits, and expectations. Managing your money in 2025 is not about checking a monthly statement. It is about real-time insights, automated decisions, and smarter financial ecosystems. Understanding the new rules…
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World Financial Landscape Mapping: Power, Policy, and Progress
The world financial system is more interconnected than ever. Capital flows across borders in seconds. Currencies fluctuate in real time. Stock markets, central banks, and global institutions shape the conditions under which people and businesses live. Understanding the world financial system means understanding how decisions in one part of the globe affect others. It also…
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Best Examples of Microfinancing
Microfinancing has become a powerful tool for promoting financial inclusion and economic empowerment around the world. By providing small loans and financial services to individuals and small businesses that lack access to traditional banking, microfinancing supports entrepreneurship, especially in low-income and rural communities. In this article, we explore some of the best examples of microfinancing…
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What Is the Future of Financial Services
Financial services are changing rapidly. The future of financial services is bright. Driven by technology, regulation, and shifting user expectations, the industry is no longer defined by banks alone. It is becoming broader, more decentralised, and increasingly embedded into everyday life. In the past, financial services were delivered through physical branches, complex products, and hierarchical…
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Fintech APIs: Building the Next Generation of Financial Services
Financial services today are no longer limited to banks and traditional institutions. Instead, a wave of fintech APIs is enabling businesses of all types to embed banking, payments, lending, and investment products directly into their platforms. This new infrastructure layer is transforming the industry from closed systems to modular, programmable ecosystems. Understanding the rise of…
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Benefits of Cross-Chain Governance Tokens
As decentralised applications grow beyond single-chain deployment, they require new tools to maintain coordination. One of the most important of these tools is the cross-chain governance tokens. A token that allows holders to influence decisions across multiple blockchains. These assets are playing an increasingly strategic role in how DAOs, DeFi protocols, and multi-chain ecosystems operate.…
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Investor in Fintech
Being an investor in fintech today demands a sharper, more disciplined approach than just a few years ago. Valuations have cooled, public market multiples have compressed, and many once high-flying companies now trade at a fraction of their pandemic-era highs. Meanwhile, global trade tensions, regulatory scrutiny, and monetary tightening create a complex environment for any…
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Embedded Payments: The Future of Seamless Transactions
The financial services landscape is evolving fast, and at the heart of this transformation is the rise of embedded payments. Instead of sending customers away to external payment gateways or clunky portals, businesses are now integrating payments directly into their apps, websites, and experiences. Understanding how embedded payments work is essential for companies aiming to…
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Is It Good to Invest in Fintech?
The financial technology sector, or fintech, has grown from a niche innovation area into a core part of the global economy. As new startups reshape banking, payments, lending, and wealth management, investors are asking the right question: Is it good to invest in fintech in 2025? The answer depends on your risk appetite, investment horizon,…
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How Big is the Embedded Finance Market?
Embedded finance is one of the fastest-growing segments in fintech. By integrating banking, payments, lending, insurance, and investing directly into non-financial platforms, embedded finance is transforming the way businesses offer financial services. But just how big is the embedded finance market in 2025? Analysts, investors, and founders alike are asking this question as they assess…
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What Does Fintech Even Mean?
Fintech is a term that has become widely used, yet it is often misunderstood. It is short for financial technology, and it refers to the use of modern digital tools to provide, improve, or transform financial services. While the term may seem broad, it describes a very specific shift in how money is managed, moved,…
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Banking-as-a-Service vs Embedded Finance: What’s the Difference?
As financial technology reshapes the global economy, two concepts often used interchangeably are in fact quite distinct: Banking-as-a-Service (BaaS) and Embedded Finance. While both contribute to the democratisation of financial services and enable non-banks to offer financial products, their roles in the fintech ecosystem are different. Understanding the distinction is essential for startups, banks, and…
