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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The End of an Era in Chinese Fintech?
With rapid technological advancements and an ever-expanding population increasingly reliant on digital solutions, China has solidified its position as a key player in the fintech industry. The country has been at the forefront of integrating technology with financial services, leading to innovative business models and financial products. However, recent regulatory measures aimed at tightening control…
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What are CBDCs?
Central Bank Digital Currencies (CBDCs) are increasingly shaping the future of money. They represent a digital form of a country’s official currency, issued and guaranteed by its central bank. Unlike decentralised cryptocurrencies such as Bitcoin, CBDCs are centralised, sovereign-backed and legal tender. Their rise is fuelled by declining use of cash, growing digitalisation of payments,…
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Portfolio Diversification: The Case for Including Bitcoin and Cryptocurrencies
In today’s investment world, finding the best mix of things to invest in is key. It is all about portfolio diversification. This usually means having a bit of everything – like shares, bonds, and gold – to spread out the risk and aim for good growth over time. But now, there’s something new to consider:…
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The Rise of Neobanks: A New Era in Banking
Neobanks are ushering in a new chapter in banking. By using technology as their foundation, they deliver services that are easier, faster, and more in tune with modern life.
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How Successful has Open Banking Been?
Open Banking, a system that offers users access to their banking data via third-party applications, has been touted as the future of financial services. Since its inception, it has promised to increase transparency, enhance consumer choice, and promote competition in the banking sector. But how successful has it truly been since its implementation? Origins and…
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Company Valuation 101 in Fintech
In the dynamic world of business, understanding the worth of an enterprise is essential for a myriad of reasons, from fundraising and mergers to sales and internal reviews. For industries that are rapidly evolving, such as the fintech sector, determining this worth can be challenging. Company valuation, therefore, plays a pivotal role. Let’s dive deep…
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The Crucial Role of Product-Market Fit in Fintech
In the ever-evolving world of fintech, where technology meets finance, the competition is fierce. New startups emerge daily, each promising revolutionary solutions. However, many of these businesses fade away, and one primary reason is their failure to achieve a pivotal business milestone: product-market fit. Let’s delve into why product-market fit is vital in fintech, ensuring…
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Regulatory Challenges in Fintech: Balancing Innovation and Consumer Protection
The fintech industry, a dynamic and rapidly evolving sector, is revolutionising the traditional financial landscape. With innovations like mobile banking, digital wallets, and blockchain technology at the forefront, fintech is leading a financial revolution. However, this rapid growth brings significant regulatory challenges, primarily in balancing the need for innovation with the imperative of consumer protection.…
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The Era of the Asset-Light Business Model in Fintech
The financial sector is witnessing a paradigm shift with the ascent of the asset-light business model, a change spearheaded by fintech companies worldwide. This model, characterized by minimal physical assets and a heavy reliance on digital technology, offers fintech firms the agility and flexibility necessary to navigate today’s rapidly evolving economic landscape. As traditional banking…
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Are Banks Good at Lending?
The landscape of financial lending has undergone significant changes over the past few decades. At the forefront of this evolution is bank lending, a traditional pillar of financial support for individuals and businesses alike. As an integral part of the economy, bank lending has been scrutinized, with questions raised about its effectiveness and efficiency. Are…
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10 Big Fintech Trends in 2024
As we start a new year, the financial technology sector remains ever-evolving, showing no signs of slowing down. The ongoing transformation has brought forth innovative solutions, disrupted traditional models, and presented unparalleled opportunities for businesses and consumers alike. Fintech Review dives into the major fintech trend in 2024 that experts predict will shape the industry.…
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Are Incumbent Banks Going to Disappear?
The landscape of financial services has witnessed dramatic shifts in the past decade. With the advent of fintech startups, the rise of cryptocurrencies, and digital innovations, many are posing a thought-provoking question: Are incumbent banks on the brink of obsolescence? The banking industry, as we know it, is undergoing undeniable transformations. However, to claim it…
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What is Decentralised Finance or Defi?
In the modern financial world, where innovations are constant and revolutionary ideas emerge frequently, a novel term has caught the attention of industry experts and enthusiasts alike: Decentralised Finance. Commonly known by its acronym, DeFi, this concept represents a significant departure from the norms of traditional banking structures. But as we peel back the layers,…
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Banking-as-a-Service (BaaS): The Future of Financial Services?
Baas is not a mispelled fish. It is actually all the rage these days. So what is it then? You did not wonder how come so many new companies were able to hit the market in such little time? Banking-as-a-Service (BaaS) offers complete banking processes, such as payments or credit, as a service through modern…
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Why FinTech is Thriving in the Middle East
The financial landscape in the some parts of the world is undergoing a transformative phase, with Financial Technology emerging as a key player. The Middle East has become a hub for FinTech innovation and growth, significantly impacting the region’s economic landscape. The Digital Revolution in the Middle East One of the primary factors driving the…
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Blockchain Technology Potential: Can It Still Revolutionise Financial Services?
In recent years, much has been said about the blockchain technology potential in transforming various industries, especially the financial sector. But as time progresses and the initial hype fades, the question remains: Can blockchain technology still bring a revolution to financial services? Understanding Blockchain’s Promise To address this, it’s essential first to understand the foundational…
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Key Trends Revolutionising the Fintech Landscape
The world of fintech, a blend of finance and technology, has been nothing short of transformative. Over the past decade, fintech innovations have disrupted traditional financial sectors, ushering in new ways of doing business, securing transactions, and enhancing user experience. As we stand at the crossroads of another technological evolution, it’s crucial to identify and…
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Media Meets Fintech: A Powerful Duo for Industry Disruption
The convergence of media and fintech is not just a temporary industry trend. It is a powerful synergy shaping the future of both sectors. When we talk about media, it is easy to think solely about content. The newspapers, TV shows, movies, and radio broadcasts. However, as digital transformation accelerates, media is evolving. It is…
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Strategy Execution for Fintechs: OKRs for the Win
OKRs are crucial for scaling a fintech startup as they provide a clear roadmap and focus the activities of the teams. There are many reasons why it makes sense for fintechs to consider the method. OKRs enable an organisation to align their efforts toward common objectives and track progress in a measurable way. By setting…
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Why Do Fintechs Need to Implement OKRs Now?
By Elie Casamitjana, Founder & CEO of OKRmentors, and Tristan Pelloux, Founder & Chief Pencil Officer of Fintech Review. Now is the right time for fintech companies to use OKRs. Why? Because the industry is constantly evolving but at a turning point: strategy execution is more important than ever. Companies need to stay agile and…
