Fintech innovation and startups

Disruption, destruction, harmony and creation; Fintech’s new frontier – a place to discuss the cutting edge of innovation.

Andrei Karpushonak CEO at Aprimerose

From Bearer Bonds to Registered Securities: The Evolution of Finance

In the financial world, securities are financial instruments that represent ownership of a specific asset or claim on an underlying asset. In the past, most securities were issued as "bearer instruments", meaning that whoever physically held the certificate was considered the owner, regardless of the name on the certificate. It created

02 February 2023 /regulation /wealth

Andrei Karpushonak CEO at Aprimerose

The Evolution of Ledger Systems: From Simple Record-Keeping to Double-Entry Accounting

The evolution of ledger systems can be traced back to the early days of human civilisation, where simple record-keeping forms were used to track transactions and assets. Over time, the development of ledger systems has been driven by technological advancements and the need for more efficient and secure tracking of transactions and assets. Double ...

01 February 2023 /regulation /wealth

Andrei Karpushonak CEO at Aprimerose

Beyond stocks and bonds: the world of alternative investments

Alternative investments, such as PE funds, differ from traditional investments, such as stocks, bonds or mutual funds. This article will focus on another alternative investment structure - hedge funds. Hedge funds in the 1990s By the early 1990s, investing had entered a golden age in the USA. More Americans owned investments than ever, pushing sto...

25 January 2023 /wealth /startups

Thomas Pintelon Head of Strategy at Capilever

Market observations for tackling financial stress

What do Wise, Curve, Qover, Monese and Capilever have in common? Besides being Fintechs active in the financial services sector you will probably say not that much, but when you look at their recent product announcements you can see a common line, i.e. they are all working on features to remove financial stress. And with financial stress we don’t ...

09 January 2023 /retail

Martin Bould Co-Founder at Little Birdie

Start-up challenges during the cost of living crisis

When is the best time to launch a new start-up? For an app-based solution looking to offer people more control over how they spend their money, Autumn 2022 - with its soaring energy, food and leisure costs - seemed like the optimum time. Undeniably, people in the UK need all the help they can get right now when it comes to managing their household...

03 January 2023 /startups

Retired Member 

Insourcing v outsourcing - how can firms decide?

The issue of whether to outsource a transformation project or lean on in-house expertise is a question many Executives wrestle with. It may seem safer to keep control and offer personal development to in-house teams – after all they have the legacy system knowledge. But will playing it safe differentiate you from your competitors? True innovation ...

11 October 2022 /retail

Vlad Dobrynin Founder & CEO at Humans Group

The Digital Divide and Super Apps: How Uzbek Fintech Market is Structured

In Uzbekistan 22 million people use remote banking services. That equates to more than half of the country's population. However, the Uzbek market has relatively few startups, and those that do exist address users' pain points without solving the market's fundamental problems. Let's explore why this is happening, what niches are available in the c...

12 September 2022 /payments /markets

Ofir Tahor CEO and Co-founder at Justt

Moving Past the Jurassic Age of Fintech

Once upon a time in the financial services industry, when dinosaurs roamed the Earth, there was significant value for technology providers just in being a large, established brand. Big brands used to show stability, strong offerings and ability to scale. However, today many startups offer the same if not better. The premium placed on brand name st...

01 September 2022 /startups /predictions

Volodymyr Kuiantsev Co-founder at AKURATECO

Top 7 reasons to switch from your own payment gateway to a white-label solution

The Fintech industry is booming. The complexity of payment processes has increased dramatically within the last decade. ApplePay, GooglePay, 3DS 2.0, tokenization, crypto-payments, QR-code payments, and plenty of other flows and features are currently highly demanded in different parts of the world. Moreover, new features and payment methods are c...

16 August 2022 /payments /startups

Retired Member 

Recent Acquisitions Show Path Forward in Chargeback Mitigation

An area in payments that has been heating up over the past year and a half is the handling of credit card payment disputes, AKA chargebacks. Four chargeback mitigation solutions have been acquired in the last 18 months: Chargehound by PayPal, Chargebacks.com by Sift, ChargebackOps by ClearSale and last week Midigator by Equifax. The timing of the ...

31 July 2022 /payments