The Fintech Survival Guide: Navigating a High-Interest Rate Environment and Investor Scrutiny
For over a decade, the fintech sector operated in a golden era of “free money.” Venture capital was abundant, growth-at-all-costs…
Category: FINTECH
Digital Dollars on the Horizon? The State of the CBDC Debate in the United States
The global financial system is undergoing its most significant transformation since the advent of the internet. At the heart of…
FedNow vs. The Field: Is Real-Time Payments Finally Going Mainstream in the United States?
For decades, the foundational plumbing of the American financial system has operated on a schedule that feels archaic in our…
Open Banking in America: What the CFPB’s New Rules Mean for Data Sharing and Competition
For over a decade, the global financial technology (fintech) landscape has been revolutionized by a concept known as “Open Banking.”…
The BNPL Battleground: How Buy Now, Pay Later is Reshaping US Retail and Challenging Credit Cards
Imagine you’re at the checkout of your favorite online retailer, ready to purchase a new $500 refrigerator. You’ve weighed the…
Beyond the Hype: A Realistic Look at AI’s Impact on Personal Finance for American Consumers
If you’ve read the headlines, artificial intelligence (AI) is either poised to solve all our financial woes or usher in…
The Rise of “Embedded Finance”: How Non-Financial Apps in the US Are Becoming Your New Bank
Imagine applying for a loan at the exact moment you need it, not inside a bank branch, but at the…
From Friction to Fiction: The Silent Rise of “Invisible” Payments in the US Economy
You are reading this sentence. But did you pause to consider the mechanics of your vision? The light hitting your…
AI or Overdraft? How Generative AI is Powering the Next Generation of Personal Financial Advisors
For generations, personal financial advice has existed on a spectrum. On one end, the costly, human-centric world of certified financial…
FedNow vs. The Field: Is Real-Time Payments Finally Going Mainstream in the US?
For decades, the experience of moving money in the United States has been a study in contrasts. We can video-call…