WhiteSight

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐭𝐞𝐜𝐡: 𝐂𝐨𝐧𝐬𝐨𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧 𝐓𝐫𝐞𝐧𝐝𝐬 (𝟏𝟎 𝐌&𝐀 𝐌𝐨𝐯𝐞𝐬) 🤝 The future of fintech is being shaped by global connectivity, real-time digital innovations, and a growing focus on social impact. 1️⃣ Tarabut’s acquisition of Vyne highlights a push for efficient global service integration. This is focused on building scalable, interconnected platforms that enhance cross-border financial services. The goal? Seamless global operations and faster service delivery. 2️⃣ GoCardless acquiring Sentenial and Quilter’s acquisition of NuWealth App emphasize the growing demand for real-time payouts and digital service enhancements. Fintechs are racing to build automated, tech-enabled systems that meet rising customer expectations for faster, more personalized solutions. 3️⃣ Fintechs are diversifying into niche verticals through acquisitions like Allica Bank acquiring Tuscan Capital powered by Allica Bank. This signals a trend towards specialized offerings that cater to underserved markets, marking a shift from traditional fintech models toward more tailored solutions. ______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gjwZ-pkR #fintech #consolidation #mergers #acquisitions #digitalfinance #realtimepayments

𝐌𝐚𝐬𝐭𝐞𝐫𝐜𝐚𝐫𝐝'𝐬 𝐂𝐲𝐛𝐞𝐫 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐆𝐚𝐦𝐛𝐢𝐭, 𝐔𝐧𝐥𝐢𝐦𝐢𝐭'𝐬 𝐂𝐫𝐨𝐬𝐬-𝐁𝐨𝐫𝐝𝐞𝐫 𝐂𝐡𝐞𝐜𝐤𝐨𝐮𝐭 𝐰𝐢𝐭𝐡 𝐒𝐡𝐨𝐩𝐥𝐚𝐳𝐳𝐚, 𝐚𝐧𝐝 𝐄𝐪𝐮𝐢𝐟𝐚𝐱 𝐚𝐧𝐝 𝐏𝐫𝐢𝐬𝐦 𝐃𝐚𝐭𝐚'𝐬 𝐂𝐚𝐬𝐡 𝐅𝐥𝐨𝐰 𝐂𝐥𝐚𝐫𝐢𝐭𝐲 All served in Edition #134 of the Weekly Fintech Brew! ☕ 🌐 The convergence of fintech, e-commerce, digital assets, and cybersecurity indicates a growing ecosystem where partnerships and technological advancements are driving innovation. Payment systems, underwriting models, and cross-border transactions are rapidly evolving to become more secure, inclusive, and efficient. Sip through the #Top3 3️⃣ trends of the week: ☝️E-commerce Payments Innovation & Expansion PayPal's expanded partnership with Shopify, and Unlimit teaming up with Shoplazza to enhance cross-border payment services for APAC e-commerce merchants suggests how companies are positioning themselves as key facilitators for merchants in different regions to provide frictionless payment experiences. It also underscores a push toward seamless global commerce through partnerships that bridge payment infrastructure gaps across geographies. ✌️Cybersecurity & Risk Management in Fintech Mastercard's expansion of its cybersecurity services through Recorded Future acquisition highlights that the rise of cybersecurity and risk management within fintech is clear, with companies focusing on protecting digital assets and enhancing risk-free opportunities. 👌Alternative Credit & Cash Flow Underwriting MoneyLion teaming up with Nova Credit to improve its decision engine using cash flow underwriting shows how firms are offering more inclusive financial services by leveraging transaction data instead of traditional credit scores, allowing customers with limited credit history access to loans and other financial products. 📰 More names that are keeping this edition brimming with fintech highlights: Equifax, Prism Data, PicPay, Revolut, Zodia Custody, Volt.io, Galileo Financial Technologies, Enfuce, Salt Edge, Stripe, Open Property Data Association, NatWest Group, BGF, Barclays, Visa... and many more! 🔗𝐇𝐚𝐩𝐩𝐲 𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠! Dive into exclusive resources curated just for you at the end, featuring: Juniper Research, Finextra X Diebold Nixdorf, TrueLayer, Unlimit, and the latest in-house curations from WhiteSight! _______________ 𝐍𝐨 𝐭𝐢𝐦𝐞 𝐟𝐨𝐫 𝐥𝐞𝐧𝐠𝐭𝐡𝐲 𝐫𝐞𝐚𝐝𝐬? 𝐖𝐞 𝐠𝐞𝐭 𝐢𝐭! 𝐆𝐞𝐭 𝐭𝐡𝐞 𝐤𝐞𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬 𝐢𝐧 𝐚 𝐪𝐮𝐢𝐜𝐤 𝐚𝐧𝐝 𝐞𝐚𝐬𝐲 𝐟𝐨𝐫𝐦𝐚𝐭. 🗞️ 𝐖𝐢𝐭𝐡 𝐨𝐮𝐫 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫, 𝐲𝐨𝐮 𝐠𝐞𝐭: Quick reads that keep you informed. Discover the newest names and trends shaping the fintech landscape. Understand the key themes ecosystem players are leveraging to stay ahead. Get a steaming cuppa brewed directly to your inbox, every week! 👉: https://lnkd.in/gC3-699P #fintech #newsletter #embeddedfinance #digitalfinance #openfinance #DeFi #infrastructurefinance #greenfinance

𝐅𝐫𝐨𝐦 𝐈𝐧𝐜𝐮𝐦𝐛𝐞𝐧𝐭𝐬 𝐭𝐨 𝐃𝐢𝐠𝐢𝐭𝐚𝐥-𝐅𝐢𝐫𝐬𝐭: 𝐇𝐨𝐰 𝐁𝐚𝐧𝐤𝐬 𝐀𝐫𝐞 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐁𝐚𝐚𝐒 𝐋𝐚𝐧𝐝𝐬𝐜𝐚𝐩𝐞 🌐 As financial services increasingly integrate with non-financial platforms, Banking-as-a-Service (BaaS) is rapidly reshaping the future of finance. With incumbents and digital-first players adopting distinct strategies to stay ahead, the landscape is rife with opportunity. In our latest Global BaaS Report, created in collaboration with Brankas, WhiteSight examines the evolving strategies of Incumbent and Digital-First Banks as they embrace BaaS and Embedded Finance (EmFi) to stay ahead in this fast-paced landscape. Here’s a sneak peek at what’s driving this transformation: 🏦 Incumbent Banks: Building in-house, acquiring fintech firms, and forming strategic partnerships to integrate BaaS. Examples like SEB and Goldman Sachs highlight the growing trend of in-house innovation, while UniCredit’s acquisition of Vodeno underscores the strategic play of acquisitions. 📲 Digital-First Banks: Monetizing their tech stacks. Starling Bank’s Engine and WeBank’s CBOS are trailblazing examples, showcasing how digital banks are turning tech into a revenue stream. 🤝 BaaS Partnerships: Financial services embedded in non-financial platforms are driving growth. Partnerships like Synchrony with PayPal and Stride Bank Center with Uber are pioneering personalized financial tools integrated into daily experiences. _______________ 🚀 Whether it’s Solaris SE and Tomorrow pushing sustainable banking or J.P. Morgan’s white-label solutions for Macy's, BaaS is redefining how traditional financial institutions evolve. 📄 Want a closer look at how these trends are unfolding globally? Head over to our blog page for a sneak peek into the insights we uncovered and get the full report to explore the latest trends, real-world case studies, and future-ready strategies shaping the BaaS landscape. Read the full blog here 👉: https://lnkd.in/gxP8GmB6 via WhiteSight Access the full report 👉: https://lnkd.in/gMaFtUbF via Brankas #fintech #BaaS #embeddedfinance #bankingasaservice #digitalbanks

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐞: 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 & 𝐎𝐩𝐞𝐧 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐏𝐚𝐫𝐭𝐧𝐞𝐫𝐬𝐡𝐢𝐩𝐬 🤝 The latest wave of fintech partnerships marks a turning point for businesses embracing Embedded Finance and Open Finance models. Let's break down the trends: 1️⃣ Seamless In-Game Shopping: Shopify’s partnership with Roblox signals the rise of e-commerce within virtual spaces. Expect more businesses to follow suit as platforms like Roblox transform into immersive shopping experiences. 2️⃣ Hassle-Free Payments: American Express’s collaboration with Knot to instantly update card details is a game-changer for merchants and customers alike, eliminating friction. Simplifying the customer experience will become a priority for all payment innovators. 3️⃣ Payroll Made Easy: Modulr’s payroll services integration into Xero will significantly reduce payroll errors for businesses. A trend to watch? More embedded services enhancing SME efficiency. 4️⃣ SME Financing on the Rise: Juni and Froda’s partnership to embed SME financing highlights a growing focus on accessible capital for smaller enterprises, especially in Europe. 5️⃣ Real-Time Financial Insights: Trustly’s collaboration with Fifth Third Bank on real-time payment rails showcases a push towards faster, data-driven payment ecosystems. Expect more real-time services to dominate banking in 2025. ______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gP_mRPNZ #fintech #embeddedfinance #openfinance #openbanking #payments

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐭𝐞𝐜𝐡: 𝐋𝐀𝐓𝐀𝐌 𝐋𝐞𝐝𝐠𝐞𝐫 (𝟏𝟎 𝐏𝐨𝐰𝐞𝐫 𝐏𝐥𝐚𝐲𝐬) 🌎 LATAM is fast becoming a battleground for fintech scale, innovation, and product diversification, making it a region to watch closely. 1️⃣ Strategic Funding Fuels Expansion 💰 The latest rounds by Neon (R$500M) and Cobre ($35M) signal a strategic push into both domestic and cross-border markets. Neon’s two-part raise in less than a year highlights how it's positioning itself to dominate Brazil’s financial ecosystem, while Cobre’s treasury platform aims to build out infrastructure critical for scaling in key LATAM economies like Colombia and Mexico 2️⃣ AI-Powered Credit Tech Takes Center Stage 💳 The partnership between Dock and Ant International is setting a new standard for credit management in Brazil. By embedding AI-powered credit solutions, they’re driving efficiency for fintechs handling vast customer portfolios, laying the groundwork for smoother lending and risk management processes across LATAM. 3️⃣ Emerging Players Eye New Markets 🗺️ Mexican unicorn Stori’s expansion into Colombia and Vivo (Telefônica Brasil)’s Central Bank credit license reflect a deeper trend of regional diversification. These moves illustrate how fintechs are not just expanding geographically but are also redefining financial services by localizing offerings to cater to new customer bases. ____________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gAkt7aeS #fintech #payments #credit #AI #LATAM

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐭𝐞𝐜𝐡: 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐏𝐮𝐥𝐬𝐞 (𝟏𝟎 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐈𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧𝐬) 🔟 From evolving crypto payments to AI-driven optimization, the payments space is undergoing rapid transformation. As the digital payments landscape rapidly evolves, businesses must stay agile and leverage these innovations to optimize cost structures and enhance customer experiences. 🗝️ Here are key insights from the latest developments: 🪙 Crypto Integration: Mastercard and Mercuryo’s crypto debit card enables seamless use of 40+ cryptocurrencies, signalling a shift towards mass adoption of crypto payments in Europe. This opens avenues for businesses to adopt decentralized finance and engage crypto-savvy customers. 💼 SMB-Focused Innovation: Partnerships like Jack Henry with Moov or UNIPaaS with American Express are making digital financial services more accessible to small businesses, unlocking opportunities for community banking and simplifying payment acceptance. 📈 Embedded Finance at Scale: Adyen's AI-powered routing and Alibaba Group's business card collaboration with Mastercard offer new efficiencies and financial tools for merchants globally. For fintech innovators, this underscores the value of embedded finance in reducing operational costs and scaling customer loyalty. 🆕 Expansion into New Markets: With PayPal, Lithic, and Shopify growing globally, the expansion of digital payments infrastructure highlights opportunities for businesses to tap into cross-border commerce with improved payment solutions tailored to diverse markets. _____________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gB5tz6tz #fintech #payments #digitalpayments #embeddedpayments #crypto #futureoffintech

𝐒𝐚𝐮𝐝𝐢 𝐀𝐫𝐚𝐛𝐢𝐚: 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚 𝐓𝐡𝐫𝐢𝐯𝐢𝐧𝐠 𝐎𝐩𝐞𝐧 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐄𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦 🌐 As Saudi Arabia surges ahead with its Vision 2030, the Kingdom's Open Banking landscape is rapidly emerging as a beacon of innovation and transformation in the region. 🗝️ A key driver? The proactive regulatory framework led by the Saudi Central Bank – SAMA, which has laid the foundation for a dynamic ecosystem where banks, fintechs, and infrastructure providers are collaborating to redefine financial services. 📜 From the introduction of Account Information Services (AIS) in 2022 to the recent September 2024 licences for Payment Initiation Services (PIS), SAMA’s structured approach has empowered seamless, secure data sharing and transaction flows, sparking a wave of innovation. This roadmap has been pivotal in fostering compliance, while allowing fintechs to push the envelope on open finance. At the same time, leading banks are partnering with fintechs to meet growing demand for Open Banking-powered solutions. Case in point: Tarabut's alliances with 4 key banks in the region, including Alinma Bank and Riyad Bank. Product launches are also driving market growth, with innovations like Spire Tech’s AI-powered ‘Spire Ingage’—highlighting the explosion of personalised financial services and real-time data aggregation tools that are transforming customer experiences. ⚙️ Meanwhile, infrastructure providers like Lean Technologies and Tarabut are at the core of this transformation. Their cutting-edge APIs are enabling Open Banking’s secure data exchange and fostering innovative product launches across personal finance management, lending, and more. _____________ 🌍 This is just a glimpse into the dynamic world of Saudi Arabia's Open Banking landscape. Discover more about the latest regulatory developments, in-depth case studies of successful fintech partnerships, and emerging trends in our comprehensive blog post here 👉: https://lnkd.in/g9AX2_rH #fintech #openbanking #openfinance #payments #SaudiArabia

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐭𝐞𝐜𝐡: 𝐌𝐄𝐍𝐀 𝐌𝐨𝐦𝐞𝐧𝐭𝐮𝐦 (𝟏𝐬𝐭-𝟗𝐭𝐡 𝐒𝐞𝐩𝐭) 📰 The MENA region continues to solidify its place as a powerhouse in fintech, as seen in the week’s highlights. Emerging partnerships, strategic expansions, and innovative products are reshaping the financial landscape with a focus on inclusivity, digitization, and seamless customer experiences. 1️⃣ Payments & Partnerships dominate, with Riyadh Air | طيران الرياض collaborating with noon Payments and Jumia Egypt linking with Forsa. Both aim to elevate customer convenience through flexible payment gateways and instalment solutions, spotlighting BNPL's growing appeal in emerging markets. 2️⃣ Digital Banking's steady rise is evidenced by Vision Bank’s launch and Tabby’s acquisition of Tweeq, marking strong growth for digital-native financial services. As Saudi continues to bolster its fintech infrastructure, the expansion signifies increased financial inclusivity. 3️⃣ SME Financing is taking centre stage with Lendo | ليندو and J.P. Morgan joining forces to fill the financing gap. Expect significant growth in SME-focused lending solutions, especially as the partnership aims to boost SME lending by 20% by 2030. _______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gyDbdNWs #fintech #digitalbanks #payments #SMEfinance #MENA

𝐕𝐢𝐬𝐚'𝐬 𝐏𝐚𝐲-𝐛𝐲-𝐁𝐚𝐧𝐤 𝐓𝐚𝐤𝐞𝐬 𝐀𝐢𝐦 𝐚𝐭 𝐭𝐡𝐞 𝐔𝐊, 𝐂𝐡𝐞𝐜𝐤𝐨𝐮𝐭.𝐜𝐨𝐦 𝐂𝐡𝐞𝐜𝐤𝐬 𝐎𝐮𝐭 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐄𝐱𝐭𝐫𝐚𝐬' 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐖𝐨𝐞𝐬, 𝐚𝐧𝐝 𝐁𝐫𝐚𝐳𝐢𝐥 𝐁𝐮𝐜𝐤𝐬 𝐔𝐩 𝐟𝐨𝐫 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐑𝐞𝐚𝐥 All served in Edition #133 of the Weekly Fintech Brew! ☕ 📅 Last week’s developments in fintech highlighted the growing momentum in Open Banking and digital transformation efforts across key markets. The focus is shifting towards standardising frameworks, integrating cloud-native platforms, and enhancing payment infrastructure to foster efficiency and innovation. These trends reveal a clear emphasis on automation, regulatory alignment, and collaboration in driving the next phase of financial innovation globally. 👌 Spilling the tea on the #Top3 fintech highlights of the week: 1️⃣ Strengthening of Payment Infrastructure 💳 Visa’s A2A (Pay-by-Bank) service in the UK and Satispay's collaboration with Stripe show how digital payment and banking platforms are evolving worldwide to meet rising consumer and merchant demands for seamless, secure, and efficient transactions. 2️⃣ Digital Transformation in Banking ⚙️ The Saudi National Bank - SNB's launch of "NEO" Digital Banking and Judo Bank’s migration to Thought Machine's Vault Core highlights global trends in upgrading legacy banking systems to cloud-native, customer-centric models that are agile and scalable. 3️⃣ Rise of Central Bank Digital Currencies (CBDCs) 🪙 Visa and Santander’s involvement in optimising FX and automobile markets for Brazil's Real Digital CBDC pilot, and Hong Kong Monetary Authority (HKMA)'s Project Ensemble Sandbox showcase how central banks globally are pushing forward with CBDC pilots and tokenisation projects, aiming to modernise monetary systems and address sector-specific financial needs. 📰 More names that are keeping this edition brimming with fintech highlights: Saudi Central Bank – SAMA, Checkout.com, Modulr, Xero, Hong Kong Monetary Authority (HKMA), Juni, Tabby, Tink, Salt Edge, Tarabut, Validus, Mastercard, Enfuce, J.P. Morgan, Tezos, BNP Paribas, Crux... and many more! 🔗𝐇𝐚𝐩𝐩𝐲 𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠! Dive into exclusive resources curated just for you at the end, featuring: Deutsche Bank, Backbase X Microsoft, Mondu, Temenos, and the latest in-house curations from WhiteSight! _____________ 𝐍𝐨 𝐭𝐢𝐦𝐞 𝐟𝐨𝐫 𝐥𝐞𝐧𝐠𝐭𝐡𝐲 𝐫𝐞𝐚𝐝𝐬? 𝐖𝐞 𝐠𝐞𝐭 𝐢𝐭! 𝐆𝐞𝐭 𝐭𝐡𝐞 𝐤𝐞𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬 𝐢𝐧 𝐚 𝐪𝐮𝐢𝐜𝐤 𝐚𝐧𝐝 𝐞𝐚𝐬𝐲 𝐟𝐨𝐫𝐦𝐚𝐭. 🗞️ 𝐖𝐢𝐭𝐡 𝐨𝐮𝐫 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫, 𝐲𝐨𝐮 𝐠𝐞𝐭: Quick reads that keep you informed. Discover the newest names and trends shaping the fintech landscape. Understand the key themes ecosystem players are leveraging to stay ahead. Get a steaming cuppa brewed directly to your inbox, every week! 👉: https://lnkd.in/gM2EvPZP #fintech #newsletter #embeddedfinance #openfinance #digitalfinance #DeFi #infrastructurefinance #greenfinance

𝐓𝐨𝐩 𝟏𝟎 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐯𝐞 𝐓𝐫𝐞𝐧𝐝𝐬 𝐚𝐭 𝟐𝟒 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 🌐 The latest announcements at 24 Fintech are a powerful reflection of how partnerships are driving financial transformation across Saudi Arabia. 💳 1. Seamless Digital Payments: We’re seeing the rise of frictionless payment solutions. This points to a future where everyday financial transactions are instant and borderless. With the Saudi Central Bank – SAMA enabling solutions like Samsung Electronics Pay, the ecosystem is geared toward frictionless payments that empower users with better control over their financial lives. 🌍 2. Financial Inclusion on the Rise: There’s a strong focus on making finance accessible for everyone—whether it's simplifying credit access for gig workers or improving lending options. This inclusive approach will unlock new opportunities for underserved groups. 💡 3. Efficiency-Driven Solutions: Cross-border and A2A payments are becoming faster and more cost-effective, reflecting a trend toward more efficient transaction flows. Expect businesses to increasingly adopt these solutions to reduce costs while enhancing user experiences. _______________ Curious to learn more about how these trends are reshaping the future of finance in Saudi Arabia? Dive deeper into our latest blog for a breakdown of the event’s biggest takeaways. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gtaNAn7k #fintech #24fintech #KSA #openbanking #payments #Riyadh