FF News | Fintech Finance’s Post

The industry is constantly evolving and eagerly awaits more digitally enabled transformations. 🌐 Find out how mobile banking is revolutionizing the way we manage our finances on the go, with features like account monitoring, fund transfers, and bill payments. Read more about the digital transformation in fintech by our colleague Bhakti Kadam, Software Engineer at Tietoevry Banking. 🖥️ Click here to read more: https://bit.ly/3x5iPLJ TechGig is India's largest and fastest growing developer community of 5.2 million software professionals, and it's amazing to be part of that and share our company's story and experience. #Fintech #DigitalTransformation #Finance #Technology #Innovation

In an era where digital transformation is paramount, APIs stand out as a cornerstone in the fintech landscape, especially in Latin America. Here's how: ➡️ Streamlining Payment Processes: APIs have become a game-changer by enabling seamless and secure payment transactions, significantly enhancing operational efficiency across borders. ➡️ Navigating Regulatory Complexities: With the aid of APIs, businesses can more easily adapt to the diverse regulatory environments across LATAM, ensuring compliance and facilitating smoother market entry. ➡️ Embracing Technological Advances: The advent of 5G and other technologies is set to turbocharge the fintech ecosystem, promising unprecedented opportunities for innovation and growth. As these technologies merge with robust payment solutions, they pave the way for a more inclusive and dynamic financial sector. For a deeper look into how APIs are shaping the future of financial transactions and their impact on the global stage, check out the full article here: https://hubs.ly/Q02nh9-c0 #Crossborder #Globalpayments #SingleAPI #Fintech #LatamPayments

In a digital-first world, seamless payment solutions are key to enhancing user experience and driving financial inclusion. This blog post takes a closer look at UPI in India and the critical role of API integration in transforming payment ecosystems. Discover how UPI has revolutionized payments, making them faster, more secure, and accessible to millions across India. We delve into the nuances of API integration and its impact on businesses and consumers alike, offering insights into creating a frictionless financial landscape. If you're curious about the future of payments and how technology is reshaping financial interactions, this read is for you. Dive deeper by clicking here: https://lnkd.in/gpymtkxR #Quickwork #UPI #APIIntegration #PaymentSolutions #DigitalPayments #FinTech

At Paysend, we believe that the future of payments is fast, frictionless, and truly global. As digital payments continue to evolve, we’re at the forefront of driving this transformation, building a future where money moves instantly, securely, and with ease. We highly recommend reading the World Payments Report 2025 from Capgemini to gain deeper insights into how the industry is transforming. It's clear that open finance and instant payments are at the forefront of innovation. Here's why Paysend is set to lead: 🔓 Open Finance Integration: Paysend’s commitment to providing secure, transparent, and interconnected financial solutions aligns seamlessly with the rise of open finance. By leveraging APIs and fostering collaboration between banks, FinTechs, and non-bank providers, we’re building a truly customer-centric payment ecosystem. ⚡ Instant Payments Expertise: With instant payments already gaining traction across 80+ markets, Paysend’s ability to offer seamless, real-time cross-border transactions enables businesses and consumers alike to thrive in this new world of faster, more flexible payments. 💡 Innovation Meets Execution: Paysend’s multi-rail payment approach ensures that we stay agile, protect traditional revenue streams, and explore new opportunities - transforming how payments are made online, in-store, and globally. As the report highlights, the future of payments isn’t just about staying ahead of the curve but transforming how businesses and individuals interact with their finances. At Paysend, we’re not just keeping up; we’re defining the future of payments! Follow us for more updates on our journey, culture, and innovative products at www.Paysend.com #Fintech #Payments #Innovation #OpenFinance #InstantPayments #Paysend

A very interesting article about Banking-as-a-Service and Embedded Finance. Toqio, at the moment, is ahead of its competitors and in the near-medium future, Toqio will be the standard. Do you think I'm exaggerating or lying? Well, that's a reasonable doubt on your part. If you want to know why I say it's true, visit the Toqio website, explore it, and decide for yourself whether I'm exaggerating or lying. But if you come to the conclusion that I am right, you will have discovered de facto the most powerful and in the medium-future standard Embedded Finance and Bank-As-A-Service orchestrator platform (and much more). It is always better to be the first but if you are the first and the best, things evolve to technological revolutions. You have the opportunity to discover in which fields of Bank-As-A-Service and Embedded Finance Toqio is the first and the best. World is on the road to the new kind of economy. Digitized, global, shared, interoperable, fast, agile, secure and with hitherto unknown capabilities. Toqio is one of the drivers of this new kind of finance. #EmbeddedFinance #BankAsaService #Finance #Future #Now #Fintech #Toqio #Revolution #Evolution #FutureIsNow

EazyPay among top 50 fintech companies in Middle East: Forbes - Arab News: ... FinTech 50 list. This recognition underscores EazyPay's commitment to revolutionizing the digital payment landscape and its significant impact on ...

Modular Financial Services Today and Tomorrow 💡 Modularization refers to the existence of numerous players in a decentralized value chain, each using digital technology to provide a specialized service that meets the needs of other value-chain players or end-customers. In financial services, modularization represents an alternative to the vertically integrated market structure long dominated by large banks and other institutions. Modular financial services and their providers are abundant today, especially in consumer and business banking. Key Modularization Enablers: 🔹 Open banking standards and practices, allowing fintech and other third-party providers access to banks’ transaction and account data via the use of application programming interfaces (APIs) 🔹 Digital technology fields such as cloud computing, which supports APIs, platform-based marketplaces and the banking-as-a-service (BaaS) business model No Major Disintermediation… Yet 🔹 Enduring vertical integration Despite the proliferation of fintechs offering such services, the traditional vertically integrated model favored by incumbent financial institutions remains intact and powerful 🔹 Ownership and control Incumbents largely retain ownership of customer relationships and control the production and distribution of their services But as regulation and technology continue to evolve and digital challengers grow more influential, modularization looks likely to reorder the value-chain roles of market players. Issues to ponder for market players about the modular financial services future: 🏦 For incumbents Defend our ownership of customer relationships, or focus on our balance sheet and production strengths? Do we have the technology strengths to act as platforms for service aggregation and delivery? 📱 For fintechs and other challengers  Given limited scale, in which value-chain layers can we use our technology expertise to be most disruptive? Resist or partner with Big Tech platforms as they seek to penetrate the financial services value chain? 👨💻 For Big Tech How to leverage our platform, technology and data strengths and our customer reach in the financial services value chain? Which banks to partner with to leverage their balance sheet and production strengths? Source: Baker McKenzie - https://bit.ly/44gVdQx #Innovation #Fintech #Banking #Neobanks #BigTech #OpenBanking #API #BaaS #FinancialServices #Payments #Loans #BNPL #KYC #AML 

𝗧𝗵𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗥𝗲𝘃𝗼𝗹𝘂𝘁𝗶𝗼𝗻: 𝗛𝗼𝘄 𝗣𝗮𝘆𝗧𝗲𝗰𝗵𝘀 𝗮𝗿𝗲 𝗥𝗲𝘀𝗵𝗮𝗽𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 Payments lie at the heart of commerce and the digital economy with a market size of around US$240 tn. 𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝗣𝗮𝘆𝗧𝗲𝗰𝗵𝘀? PayTechs are a sub-group of FinTechs that focus on the payments value chain, encompassing payments facilitators (PayFacs), payment service providers (PSPs), networks creating new payment propositions, and payments technology suppliers. 𝗣𝗮𝘆𝗧𝗲𝗰𝗵𝘀' 𝗘𝗻𝗱𝘂𝗿𝗶𝗻𝗴 𝗜𝗺𝗽𝗮𝗰𝘁 𝗼𝗻 𝘁𝗵𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗟𝗮𝗻𝗱𝘀𝗰𝗮𝗽𝗲: PayTechs have helped create a dynamic and fast-moving payments landscape focused on customer needs. 𝗪𝗵𝘆 𝗮𝗿𝗲 𝗣𝗮𝘆𝗧𝗲𝗰𝗵𝘀 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁? 𝗣𝗮𝘆𝗧𝗲𝗰𝗵 𝗯𝘆 𝗡𝘂𝗺𝗯𝗲𝗿𝘀: • Over 25% of FinTechs are PayTechs • 2,400+ PayTechs globally • Valued at over US$2.17tn • The Rise of PayTechs: A Seismic Shift in Payments: The industry is undergoing a transformation from traditional transactions to a customer-centric ecosystem offering seamless and integrated solutions. 𝟳 𝗞𝗲𝘆 𝗧𝗿𝗲𝗻𝗱𝘀 𝗦𝗵𝗮𝗽𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: 1/ 𝗢𝗽𝗲𝗻 𝗕𝗮𝗻𝗸𝗶𝗻𝗴: Empowering consumers to control their financial data. 2/ 𝗥𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: Instant settlements for a seamless experience. 3/ 𝗕𝘂𝘆 𝗡𝗼𝘄, 𝗣𝗮𝘆 𝗟𝗮𝘁𝗲𝗿: Offering flexible payment options to boost sales. 4/ 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗪𝗮𝗹𝗹𝗲𝘁𝘀 & 𝗦𝘂𝗽𝗲𝗿 𝗔𝗽𝗽𝘀: Simplifying payments and offering additional features. 5/ 𝗘𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: Integrating payments seamlessly within everyday experiences. 6/ 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗖𝘂𝗿𝗿𝗲𝗻𝗰𝗶𝗲𝘀: Exploring new payment methods and infrastructure. 7/ 𝗖𝗿𝗼𝘀𝘀-𝗯𝗼𝗿𝗱𝗲𝗿 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀: Making international transactions faster and cheaper. PayTechs are going beyond technology by offering holistic customer experiences through additional services. 𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲? • 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻: Banks and PayTechs will work together, leveraging their strengths for a win-win situation. • 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻: The pace of change will accelerate with constant emergence of new technologies and business models. • 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗙𝗼𝗰𝘂𝘀: User experience will remain paramount, with players offering convenient, secure, and personalized solutions. Download this full report from EY (link in comments) to learn: • How these forces are impacting the industry • Strategies for success for both banks and non-banks • How to prepare for the future of payments • Explore these trends in detail and learn how you can thrive in the new payments era. #payments #fintech #innovation #futureofpayments #paytech

In a pivotal move for the financial industry, Nubank has announced its acquisition of Hyperplane, a cutting-edge data intelligence startup based in Silicon Valley. This merger not only expands Nubank’s technological frontier but also cements its commitment to an AI-first strategy in delivering financial solutions. Hyperplane, established in 2022 by visionaries Daniel Silva, Felipe Lamounier, Rohan Ramanath, and Felipe Meneses, excels in deploying proprietary foundation models to enhance financial services. The startup’s innovative platform provides financial institutions with tools to train, evaluate, and deploy deep-learning models focused on optimizing decision-making processes across various business domains, including risk management, collections, and marketing. The integration of Hyperplane’s capabilities promises to dramatically enhance Nubank’s product offerings, making them smarter, more personalized, and inherently fairer. This strategic acquisition is set to transform the landscape of digital banking by enabling Nubank to harness deep learning technologies that bridge broad contexts and generate actionable insights, thereby significantly improving customer experiences. #Nubank #Hyperplane #DigitalBanking #FinancialTechnology #AIInnovation #StrategicAcquisition #DataIntelligence #TechInFinance #FutureOfBanking

"🚀 Embracing Modular Financial Services: Today and Tomorrow 💡" Explore how modularization is reshaping the financial landscape, enabling specialized services through digital technology. Discover key enablers like open banking and cloud computing, revolutionizing consumer and business banking. While vertical integration persists, the rise of digital challengers and evolving regulations hints at a shifting paradigm. Incumbents must defend ownership, fintechs strategize value-chain disruption, and Big Tech harness platform strengths. For insights and strategies on navigating the modular finance future, delve deeper: #ModularFinance #Fintech #DigitalTransformation"