Vacuumlabs

A quick one for your coffee break: ☕ If you needed a loan today, would you walk into a branch or open your banking app? – In the US, over 55% of people now manage their bank accounts through mobile apps. – Across Europe, digital banking adoption is even higher. In Denmark, 97.76% of people use online banking. Norway follows at 96.8%, and the Netherlands isn’t far behind with 96.35%. But when it comes to loans, old habits still persist. Many still prefer handling them in person. So what about you? #MondayPulseCheck

🛑 #𝐅𝐢𝐧𝐭𝐞𝐜𝐡𝐀𝐥𝐞𝐫𝐭: US first bank-issued stablecoin is here. Vantage Bank and Custodia Bank have partnered on a new tokenization project using customer deposits to issue Avit stablecoins. To meet regulatory expectations, the banks developed custom policies and procedures aligned with BSA, AML, and OFAC rules. This means creating different policies and processes from the typical stablecoin issuers' usage. 🟢 How it works Custodia and Vantage converted customer deposits into digital tokens called Avit stablecoins, which were then issued, transferred and redeemed on the Ethereum mainnet using the ERC-20 standard. 🟢 New opportunities This innovation creates a new way to move money inside the US banking system. One that’s faster, cheaper, and easier to track. And since it doesn’t depend on private stablecoin issuers, it could change how banks handle digital payments going forward. What do you think, will more banks follow? #Stablecoin #DigitalAssets #BlockchainBanking #Custodia #Vantage

What an insightful day!  Just back from Pay360, the largest payments-focused event, and we’ve returned with plenty to think about. 👇 The sessions covered everything from real-time fraud detection, evolving regulation to the future of embedded finance. There were lots of open questions, strong perspectives, and smart solutions. It's always good to learn and come back with new insights and ideas, ready to share them all with our teams. Already counting down to the next one. 🥳 #Pay360 #FutureOfPayment #Fintech #Payment

We hear a lot about AI’s potential in fintech. But how are companies actually using it?  📰 In our latest newsletter, you will find: - 3 practical examples of AI improving banking and finance - Real-life use cases from our work at Vacuumlabs - Top 5 AI fintech startups in 2025 - Why chatbots are becoming the go-to for customer support + Final reminder for our AI in Banking webinar happening tomorrow. 🎤 Join us to learn how AI can enhance your banking operations while staying mindful of potential challenges. #AI #FutureOfBanking #Fintech

 📅 Join Us on Thursday! AI in Banking Webinar Have you thought about some exciting opportunities and challenges that AI presents for the banking industry? Join our webinar on March 27 at 3 p.m., where Marcel Klimo, Head of AI at Vacuumlabs, will explore the future of AI in banking, what works, what doesn’t, and what’s next. He’ll be joined by Dalibor Glaich, Director of Engineering at Kiwi.com, bringing insights from the client side -- because while Kiwi.com isn’t a bank, it manages thousands of daily transactions, and they know how AI can make or break an operation. How to register? Click on the link below in the comments. 🥳 See you soon! #Webinar #AIInBanking #Kiwi #Vacuumlabs 

🕴Imagine, you’re the head of a bank and you have the power to improve one key aspect of how banks serve their customers. What would it be? We all know that every customer has their own expectations. While some still value the human touch of a well-run branch, others want their app to handle everything seamlessly. And banks❓If they want to stay on track, they need to adapt. So, what would you like your bank to focus on? 🤔 If you have anything else in mind, let us know in the comments. #MondayPulseCheck

🛑 #𝐅𝐢𝐧𝐭𝐞𝐜𝐡𝐀𝐥𝐞𝐫𝐭: Apple’s Tap to Pay on iPhone expands its services. Now live in: Bulgaria, Finland, Hungary, Liechtenstein, Poland, Portugal, Slovakia, Slovenia, and Switzerland, businesses can accept payments directly on their iPhones with a supporting iOS payment app. 🟢Built-In Security Payments are processed via NFC technology, with the same security protections as Apple Pay. No card details are stored or shared. 🟢Who’s supporting it? Businesses can integrate the service with platforms such as Adyen, Revolut, Stripe, Worldline, and SumUp. 🟢What does this mean for merchants? Businesses can now accept contactless payments using just an iPhone. There is no need for card readers or payment terminals. This expansion could be especially beneficial for small retailers and mobile vendors looking for a simple payment solution. #ApplePay #Fintech #Payments #TapToPay #DigitalPayments

What’s the key to making smart financial decisions without guesswork? -> Financial forecasting 📈 Companies that use financial forecasting effectively are 30% more likely to achieve long-term growth. By analyzing past trends and market data, businesses can plan budgets, manage risks and attract investors. 4 Key Types of Financial Forecasting ➡️ Sales Forecasting ➡️ Cash Flow Forecasting ➡️ Budget Forecasting ➡️ Income Forecasting Want better control over your business’s financial future? Our latest article breaks down the key steps, forecasting methods and examples to help your business make smarter financial decisions. (Link in the comments) #FinancialForecasting #BusinessPlaning #FinanceStrategy #Vacuumlabs 

Slowly but surely, people are getting tired of using 10+ apps just to manage their daily lives. Is there a better way? Super apps might be the answer. The market is booming ➡️ increasing from $75.5B in 2023 to over $700B by 2032. A great example is WeChat, which has combined ride-hailing, food delivery, finance, and much more into one single app. Now the question is, are you ready to adapt?  🤳Take a look at our quick intro to learn more. #SuperApp #Innovation 

When we talk about banking innovation, we often focus on the results. But what about the process? As one of the most innovative banks in Slovakia, Tatra banka knows this journey better than anyone. We sat down with Ľuboš Práznovský and Martin Kubik to talk about: ⚫ how innovation happens at Tatra Banka, ⚫ what’s their view on AI in banking, ⚫ what’s next for core banking technology and more. Was there something they thought might not work and ended up like a super innovation? Get the answers in our full interview soon. ▶️ #TatraBanka #BankingInnovation #CoreBanking #Fintech #Vacuumlabs