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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AI & Fintech: From Automation to Personalisation
Artificial intelligence is no longer a futuristic concept in finance, it is now a core driver of innovation across the industry. From underwriting loans to managing investments to preventing fraud, AI in fintech is reshaping the way financial services are designed, delivered, and consumed. Understanding how AI is impacting fintech is crucial for founders, investors,…
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Fintech Stocks: Tracking the Growth Engines
Fintech is not just a sector, it is a major driver of value in the global markets. From digital payments to online lending, from crypto exchanges to personal finance platforms, fintech stocks reflect the rapid transformation of how money moves, grows, and is managed. For investors, fintech stocks offer both excitement and risk. They represent…
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Understanding Cross-Chain Interoperability
The blockchain ecosystem has rapidly grown from a handful of networks to hundreds of chains, each with its own specialisation. While this diversity fuels innovation, it also creates fragmentation. Understanding cross-chain interoperability is essential to navigating this new landscape, where users and developers need seamless connections between blockchains. In short, cross-chain interoperability enables communication and…
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Cybertech: Securing the Foundations of Finance
In today’s financial ecosystem, technology drives nearly every transaction. However, as services become more digitised, the risks multiply. This is where cybertech comes in, the application of advanced cybersecurity technologies to protect digital finance. Cybertech sits at the intersection of cybersecurity and fintech. It covers the tools, platforms, and strategies that defend against data breaches,…
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SaaS Fintech: What’s Next for the Most Powerful Pairing in Finance?
We previously explored why the convergence of SaaS and fintech is so compelling. Cloud-native design, scalability, and recurring revenue models made the model attractive for both users and investors. The ability to deploy financial services at scale, through intuitive software interfaces, opened new possibilities for user experience and cost-efficiency. Now, as fintech matures and SaaS…
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Bank Digital: The New Standard in 2025
Banking has entered a new era. What was once defined by branches, paper forms, and long queues is now shaped by apps, automation, and 24/7 access. To bank digital today is no longer a novelty, it is the default. From account opening to investment tracking, every core function of traditional banking now has a faster,…
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The State of Payments 2024: Key Stats and Emerging Trends
By Denys Kyrychenko, Co-founder & CEO at Corefy Businesses’ payment infrastructure directly correlates with competitive resilience. New data from a global study of 793 merchants – The state of payment maturity 2024 report, published by Corefy – reveals critical insights on the current state of businesses’ payment maturity, offering a broad look at where they…
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How Fintech Apps Are Improving Financial Literacy Among Young People
In recent years, fintech apps have become pivotal in shaping financial literacy among Millennials and Gen Z. These innovative platforms, often mobile-first and user-friendly, simplify complex financial topics. Through interactive tools and easy-to-use interfaces, fintech companies educate young users on personal finance, budgeting, and investing. Traditional methods of financial education often failed to engage younger…
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The Impact of Quantum Computing on Fintech Security Protocols
Quantum computing uses quantum physics to perform computations far faster than classical computers. This emerging technology holds particular relevance for fintech, which relies heavily on encryption to secure transactions and data. Researchers warn that powerful quantum computers could one day crack traditional encryption methods in a feasible time. In other words, problems that would take…
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Should The UK Make a Move for a Stronger Cryptocurrency Position in 2025?
By Peter Curk, CEO of ICONOMI It’s a time of change in cryptocurrency sector. With the introduction of the European Union’s (EU) Markets in Crypto-Assets (MiCA) regulation, there’s a sense of uncertainty. So used to playing outside of the rules, crypto companies are suddenly finding themselves under scrutiny and restricted, at least within Europe. Industry…
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The Inefficiencies of Traditional Cross-Border Payments and Why Change Is Needed
Cross-border payments remain one of the most outdated areas of financial services. While fintech has transformed many aspects of banking, international money transfers still rely on slow, expensive, and inefficient systems. Banks process these payments through multiple intermediaries, increasing costs and delays. With growing demand for faster, cheaper alternatives, fintech firms and blockchain solutions are…
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Trade Finance: Challenges and the Role of Emerging Technology
Trade finance plays a crucial role in facilitating global trade by providing credit, payment guarantees, and risk mitigation tools. These financial instruments help importers and exporters manage cash flow effectively while reducing the risks associated with cross-border transactions. Despite its significance in global commerce, trade finance remains an area plagued with inefficiencies. Excessive paperwork, high…
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Beyond Payments: How Embedded Finance is Reshaping Business Models
Embedded finance is transforming industries by incorporating financial services directly into non-financial platforms. This integration allows businesses to offer banking-like services, enhancing customer experience and simplifying transactions. Consumers benefit from seamless access to payments, loans, and insurance, all within familiar digital environments. This shift is redefining traditional banking structures. Fintech firms and non-financial businesses are…
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AI in Fintech: Augmenting Decision-Making, Not Replacing It
Artificial intelligence is transforming fintech. It improves efficiency, enhances customer experience, and enables smarter decision-making. However, the debate continues: should AI replace human decision-makers or serve as an augmentation tool? While AI excels at processing vast datasets, it lacks human intuition. Financial professionals bring expertise, ethical judgment, and strategic thinking. A balanced approach is necessary…
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Unlocking the Power of Systematic Trading: A Data-Driven Approach to Financial Markets
Systematic trading has become one of the most powerful strategies for modern traders looking to make informed, disciplined, and consistent decisions in the financial markets. It’s a method that removes human emotion from the equation and leverages the power of technology, data, and algorithms to drive trading decisions. The beauty of systematic trading is that…
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The Role of Artificial Intelligence in Cybersecurity within Fintech
The fintech sector has revolutionised financial services, offering convenience, speed, and innovation. However, with these benefits comes the heightened risk of cyber threats. Cybersecurity has become a critical challenge, and artificial intelligence (AI) is emerging as a transformative solution. We explore the role of AI in enhancing cybersecurity within fintech, highlighting its capabilities, limitations, and…
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Navigating the Fintech Landscape: Key Trends Shaping the Future of Financial Services
The fintech sector is at the forefront of a global revolution, reshaping how financial services are delivered and consumed. This dynamic industry thrives on innovation, leveraging technology to disrupt traditional banking models and set new standards for customer experience. Businesses and consumers alike are witnessing a seismic shift in how financial interactions are managed, from…
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What Role Does Crowdfunding Play in SME Financing?
Small and Medium Enterprises (SMEs) are the backbone of economies worldwide, driving innovation, employment, and economic growth. However, one of their most significant challenges remains securing adequate funding to support operations and expansion. Traditional financing methods, such as bank loans and venture capital, often impose strict requirements, leaving many SMEs without the resources they need…
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The Impact of Regulatory Frameworks on Fintech Growth in Emerging Markets
Emerging markets have become a hub for fintech innovation. With their growing economies and youthful populations, these regions present significant opportunities. However, regulatory frameworks in these markets vary widely, influencing how fintech companies evolve and scale. Supportive Regulations: A Catalyst for Growth Supportive regulations can significantly enhance fintech growth. They encourage innovation, attract investment, and…
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How Does Fintech Improve Access to Capital for SMEs?
Small and Medium Enterprises (SMEs) play a vital role in driving economic growth, innovation, and employment. Despite their importance, SMEs often struggle to access the capital needed for growth and operations. Fintech is revolutionising the financial landscape, breaking down barriers and offering new opportunities for these businesses. Here, we explore how fintech is reshaping SME…
