Reviews
Explore detailed reviews and deep dives into fintech companies, platforms, and financial technology innovators. Fintech Review offers independent insights into growth strategies, business models, innovations, and market impact shaping the future of finance.
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Ramp Review: Modern Finance Automation
Ramp positions itself as a modern finance automation platform. It helps businesses manage expenses, control spending, and optimise financial workflows in real time, offering a distinct alternative to traditional expense systems. Ramp offers a corporate card paired with expense management software. It earns revenue primarily through interchange fees from card networks when users make purchases.…
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Zopa Review: Reinventing Consumer Lending with Digital Banking
Zopa is one of the most recognisable names in UK fintech. Originally launched as the world’s first peer-to-peer (P2P) lending platform in 2005, Zopa helped pioneer alternative finance well before the term “fintech” became mainstream. Fast forward to 2025, and Zopa has fully transitioned into a licensed digital bank, reinventing consumer lending through a broader…
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Top Fintech ETFs to Consider in 2025
As fintech continues to reshape the global financial landscape, more investors are looking to gain diversified exposure to the sector without picking individual stocks. Exchange-Traded Funds (ETFs) offer a simple, cost-effective way to invest in fintech through a curated basket of companies spanning digital banking, payments, blockchain, and wealthtech. In 2025, fintech ETFs provide a…
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Kraken Review: The Steady Hand in the Crypto Market
Kraken stands out as one of the most established and trusted cryptocurrency exchanges in the industry. Founded in 2011 by Jesse Powell, Kraken has built a reputation for security, regulatory compliance, and a measured approach to growth. Unlike some of its more flamboyant competitors, Kraken has often positioned itself as the steady, professional platform for…
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Airwallex Review: Powering Global Payments
Airwallex has emerged as one of the most powerful, yet understated, players in global fintech. Originally launched to simplify cross-border payments for businesses, the company has rapidly expanded into a full financial infrastructure platform. In this Airwallex review, we explore how the company operates, what sets it apart, and why it is becoming essential for…
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Finicity Review: Data Layer in Embedded Finance in the US
As embedded finance reshapes the financial landscape, one foundational element is quietly powering much of the transformation: data. At the centre of this shift is Finicity, a US-based financial data aggregator acquired by Mastercard in 2020. In the fast-evolving embedded finance ecosystem, Finicity plays a crucial role as the data layer, enabling fintechs, banks, and…
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Partners Bank: Banking With Purpose, Backed by People
In a financial world that often feels impersonal and dominated by large institutions, Partners Bank offers something different. It focuses on relationships, not just transactions, and strives to build long-term value for the communities it serves. Partners Bank operates with a mission rooted in trust, accessibility, and tailored financial support. While many banks rely on…
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Affirm Review: Rethinking Credit
Affirm is one of the most recognisable fintech companies in the United States, having redefined how consumers think about credit. As a pioneer in the buy now, pay later (BNPL) sector, Affirm’s approach focuses on transparency, flexibility, and fixed instalment terms. It removes the complexity and hidden charges of traditional credit cards, offering an upfront…
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Top 10 Crypto Exchanges in Europe
Europe’s crypto market has matured rapidly over the past few years. As the EU finalises its MiCA (Markets in Crypto-Assets) regulatory framework, trust and compliance are becoming top priorities for crypto exchanges operating across the continent. While global players like Binance and Coinbase are present, Europe is also home to its own robust ecosystem of…
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Wise Review: Redefining Cross-Border Money Movement
Wise, formerly known as TransferWise, is one of the most recognisable fintech companies in the world. What began as a low-cost international money transfer service has evolved into a full-scale financial platform for global individuals and businesses. In this Wise review, we explore how the company works, what sets it apart, and what the future…
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Rapyd Review: The Everything Platform for Global Fintech
As fintech becomes more global and interconnected, the need for simple, scalable infrastructure is growing rapidly. Businesses today must handle cross-border payments, local compliance, and multi-currency operations with ease. This is where Rapyd steps in. Positioned as a leading fintech-as-a-service provider, Rapyd offers a unified platform that helps companies build, scale, and manage global financial…
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5 Promising Cross-Chain Ecosystems
Interoperability is no longer just an idea. It is a competitive advantage. As the blockchain industry evolves, some ecosystems are emerging as leaders in cross-chain development, building robust infrastructure and communities around interoperability. These promising cross-chain ecosystems are driving new standards, creating seamless user experiences, and laying the foundation for the next generation of decentralised…
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Nubank Review: Latin America’s Banking Giant
Nubank is one of the most successful fintech stories in the world. Founded in Brazil in 2013, the company has grown from a credit card startup into Latin America’s largest digital bank. Today, Nubank serves over 80 million customers across Brazil, Mexico, and Colombia, offering a wide range of banking and financial products. All through…
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Square Review: A Fintech Powerhouse
Square, founded in 2009 by Jack Dorsey and Jim McKelvey, is a financial services and digital payments company that has grown from a simple mobile card reader solution into a comprehensive ecosystem for small businesses. Headquartered in San Francisco and now part of Block, Inc., Square aims to democratise access to financial tools traditionally reserved…
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Plaid Review: Building the Infrastructure for Open Finance
Plaid has quietly become one of the most influential companies in the modern financial ecosystem. While consumers may rarely hear its name, countless apps and services they use every day rely on Plaid’s APIs to connect bank accounts, verify identities, and enable seamless financial experiences. In this review of Plaid, we will explore how the…
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What are the Top 10 Crypto Exchanges in the US?
The landscape of crypto trading in the United States has matured significantly. Exchanges no longer serve as simple marketplaces for buying and selling digital assets. They have evolved into full-service platforms with everything from zero-commission models and social trading features to institutional-grade infrastructure and regulatory compliance. This maturity reflects a broader shift in how American…
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Goldman Sachs Review: Investment Banking Giant Reinvention
Goldman Sachs remains one of the most iconic and influential institutions in global finance. Long associated with investment banking, trading, and elite client advisory, the firm has spent the past decade undergoing a deep transformation. As financial markets digitise, regulatory scrutiny increases, and the boundaries between Wall Street and fintech blur… Goldman Sachs has sought…
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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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Top Fintech API Providers
In 2025, the financial world increasingly runs on APIs. From digital banks to lending apps to payment gateways, almost every innovative financial product relies on third-party APIs for core functionality. Choosing the right partner is crucial, yet the market is crowded and fast-evolving. Identifying the top fintech API providers can give businesses a competitive edge,…
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Klarna Review: is it Embedded Finance?
Klarna is one of the most recognisable names in fintech today. From its early beginnings as a Swedish payments provider to its current global footprint, Klarna has transformed how millions of consumers shop and pay. But beyond buy-now-pay-later (BNPL) services, a bigger question emerges: Is Klarna embedded finance? This Klarna review explores its evolution, business…
