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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How Digital Lending Platforms Are Changing Credit Access in 2025
Digital lending is no longer a niche innovation. By 2025, it has become the primary engine driving credit access across both mature and emerging economies. Platforms now deliver speed, intelligence, and accessibility through automation, embedded finance, and alternative data. However, this evolution is not only technological. It is reshaping the structure of credit markets and…
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Credit Unions: Different Community Banking
Credit unions are not banks, and that is exactly the point. These member-owned financial institutions operate with a different purpose, one centred on service rather than profit. While banks prioritise shareholder returns, a credit union exists to support its members, who are also its owners. Over time, credit unions have grown into vital pillars of…
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Top Cross-Chain Token Standards
As blockchain ecosystems expand, so does the demand for tokens that can move between them. A token launched on Ethereum should be usable on Solana, Avalanche, or BNB Chain without being wrapped or reinvented. This is the promise of cross-chain token standards, and knowing the top standards is crucial for developers, investors, and anyone navigating…
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Is There A Lot of Money in Fintech?
The fintech industry has exploded in the past decade, attracting entrepreneurs, investors, and professionals alike. But a key question remains for many newcomers and observers: Is there a lot of money in fintech? The short answer is yes. But with important nuances. Let’s see where the money flows in fintech, who benefits most, and what…
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Reverse Factoring: Unlocking Liquidity and Trust Between Buyers and Suppliers
Reverse factoring has emerged as a powerful tool in modern trade finance. By improving cash flow, enhancing supplier relationships, and aligning payment terms across the value chain, it enables businesses to operate with more flexibility and less friction. In a business environment where supply chain resilience and liquidity are under pressure, reverse factoring offers a…
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Inside Revolut’s Hiring Playbook: What It Takes to Join the Fintech Juggernaut
If you’ve ever dreamt of working at Revolut, you’re not alone. The fast-paced fintech scale-up is infamous for its hyper-growth, relentless drive, and high expectations. But behind its meteoric rise is a talent strategy as precise as its customer acquisition machine. While many companies are busy crafting values posters for their office walls, Revolut builds…
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Cross-Chain Oracles Explained
Smart contracts are only as powerful as the data they can access. While blockchains excel at managing internal states, they struggle to interact with external data sources. This is where cross-chain oracles come in, acting as bridges between decentralised networks and the real world, while also enabling communication between chains. Oracles have long been vital…
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Fintech Conference Boom: Where Innovation Meets Influence
Attending or speaking at a fintech conference is no longer just about visibility. It is a strategic decision. A chance to learn, network, and align with key players. Whether focused on payments, blockchain, regtech, or embedded finance, each event offers a unique view into what the industry values and where it is headed. Fintech conferences…
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Regulatory Sandboxes Explained: A Safe Space for Fintech Innovation
The financial industry is heavily regulated, for good reason. Safeguards protect consumers, ensure market stability, and maintain trust. However, strict regulations can sometimes stifle innovation, especially for fintech startups trying to disrupt the status quo. This is where the concept or regulatory sandbox comes in. Regulatory sandboxes are structured environments where fintech companies can test…
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AI-powered Compliance in Fintech: Smarter, Faster, More Accurate
Compliance has always been a central challenge in financial services. However, the rise of AI-powered compliance is reshaping how fintechs approach regulatory requirements, risk management, and operational resilience. As the pace of innovation accelerates, traditional compliance methods struggle to keep up. Manual processes, legacy systems, and siloed data cannot scale in a world of real-time…
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Cross-Chain Identity Solutions
This fragmentation makes Web3 harder to use and limits the potential of decentralised applications. Cross-chain identity solutions aim to change that. They are emerging as a critical layer of infrastructure that could make Web3 more usable, secure, and interoperable.
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Banks and the Power They Hold
Banks have long stood at the centre of the financial system. Their influence goes beyond balance sheets and branch networks. The real power of banks lies in how they shape credit, control infrastructure, influence regulation, and determine who gets access to financial tools and capital. Despite the rise of fintech, banks still play a central…
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What Is a Fintech Company?
A fintech company is a business that applies technology to deliver, improve, or reinvent financial services. These services can include payments, lending, investing, insurance, and banking. The term fintech is short for financial technology, and it represents a shift in how money is managed, accessed, and moved in the digital age. Fintech companies are often…
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Why Cross-Chain Interoperability Matters
Blockchains have changed how we think about value, trust, and digital ownership. However, despite the innovation, most chains still operate in isolation. This lack of connection limits the reach of decentralised applications and restricts how users interact across ecosystems. That is exactly why cross-chain interoperability matters. In simple terms, interoperability allows blockchains to talk to…
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Paycheck Solutions: Reiventing the Payslip
Getting paid is one of the most fundamental aspects of working life. Yet for many employees and employers, the process remains outdated. Traditional payroll systems are slow, inflexible, and disconnected from how people actually live and work today. Modern paycheck solutions are fixing this. These fintech-driven tools aim to simplify salary management, increase flexibility, and…
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Regulation and Compliance in Fintech: Navigating the New Financial Frontier
Fintech has always been about innovation, speed, and accessibility. Yet, as digital financial services scale globally… Regulation and compliance have become just as important as product design and user experience. No matter how disruptive a fintech platform is, it must operate within legal frameworks that are evolving rapidly. Understanding regulation and compliance is now a…
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Bank Account and Blackouts: Can I Access My Money?
Access to your bank account feels like a guarantee until the lights go out. In many countries, we are used to having access to electricity without particular issues. With what happened in Spain and Portugal, it is normal to wonder what happens to your bank account when the power goes down. During large-scale power outages,…
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Fintech’s Future: What to Expect?
The future of fintech is not just about innovation, it is about transformation. As technology continues to evolve and financial behaviour changes, fintech will play a central role in shaping the next generation of financial services. From embedded finance to decentralised infrastructure, the future of fintech is broad, layered, and global. Fintech is no longer…
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Understanding Yield Farming: Crypto Passive Returns in DeFi
Yield farming has become one of the most talked-about ways to earn in crypto. But for many, the concept still feels confusing or inaccessible. To take part effectively, it is important to begin by understanding yield farming. What it is, how it works, and the risks involved. At its core, yield farming refers to earning…
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What the Trade War Means for Global Fintech
The intensifying trade tensions between major economies, particularly the United States and China, are reshaping industries far beyond manufacturing and commodities. Financial services, and fintech specifically, are increasingly caught in the crossfire. As the trade war expands into technology, data, and finance, global fintech finds itself facing new challenges, regulatory pressures, and unexpected openings. Understanding…
