Author: Charitarth Sindhu

Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant AI can process thousands of documents in seconds. It can flag suspicious transactions across billions of data points. It can settle an insurance claim before a human finishes reading the first paragraph. Yet the fintech industry keeps circling back to the same conclusion: speed without judgment is a liability. We asked industry leaders across fintech, insurance, and financial services one question. How are they balancing AI automation with the need for human expertise? Their answers reveal a clear pattern. The companies getting the best results treat AI as a tool that serves…

By Jesse Fowler, Founder of J&J Renovations and J&J Plumbing Services The finance industry doesn’t just use AI anymore. It runs on it. From fraud detection to trading floors, artificial intelligence has become the backbone of modern financial services. The numbers tell a story that’s impossible to ignore. The spending spree is massive Financial services firms spent roughly $45 billion on AI in 2024. That figure is expected to hit $97 billion by 2027, growing at 29% per year. Meanwhile, the total AI-in-finance market is on track to reach $190 billion by 2030. JPMorgan Chase leads the pack with an $18 billion technology budget…

Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant The most transformative financial technology of the next two years will not come from Silicon Valley. It is already live across Kenya, Brazil, India, and the Gulf states. We asked seven industry leaders a simple question: What is one emerging market fintech trend that will impact Western markets in the next two years? Their answers point to a single, accelerating shift. Models proven at massive scale in developing economies are now migrating westward, and they threaten to restructure the card-dominated, credit-bureau-dependent architecture that has defined Western banking for decades. From wallet ecosystems…

Author: Hasan Can Soygök, Founder, Remotify.co Blockchain spent years trying to prove itself. Now, the biggest names in finance are doing it for them. The tokenization of real-world assets (RWA) has quietly become blockchain’s most compelling use case. We’re not talking about meme coins or speculative hype. This is BlackRock, JPMorgan, and Goldman Sachs putting bonds, treasuries, and private credit on-chain. And the numbers back up the momentum. On-chain tokenized RWA value (excluding stablecoins) grew from roughly $5 billion in 2022 to over $24 billion by mid-2025. That’s a 400% increase in three years. Private credit leads the charge at $14 to…

Author: Hasan Can Soygök, Founder, Remotify.co Neobanks have spent the last decade chasing user numbers. Millions of signups. Tens of millions of downloads. However, there is a growing gap between those headline figures and the revenue they generate. While digital banks now capture nearly 40% of new banking relationships worldwide, they account for just 5% of retail banking revenue (Simon-Kucher). That mismatch tells us something important. Most neobank customers are barely engaged, and many are losing money for the banks that serve them. So if 2026 is supposed to be the year neobanks finally turn a corner on profitability, the conversation needs…

By Jesse Fowler, Founder of J&J Renovations and J&J Plumbing Services Every time a plumber crawls under a house, they see things no insurer, no appraiser, and no algorithm can see. Pipe materials hidden inside walls. Moisture stains behind cabinets. Wiring that should have been replaced a decade ago. Sump pumps held together by hope. This information gets written on a job sheet, maybe entered into a field service app, and then it disappears. Meanwhile, the insurance industry spends over $15 billion a year on water damage claims alone. The average claim costs $12,500. And the failures causing those claims are exactly the failures…

Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant We asked four industry leaders one simple question: what is the one thing neobanks must do differently to achieve profitability in 2026? Their answers pointed in the same direction. Stop obsessing over app features. Start fixing the backend operations that quietly bleed money every single day. The numbers tell a brutal story. Only about 5% of the world’s 400-plus neobanks have reached breakeven. The rest continue to lose roughly $11 per user per year. Meanwhile, the handful of profitable players (Nubank, Revolut, Starling) now generate more combined revenue and profit than every…

Author: Callum Gracie, founder of Otto Media and Co-Founder of GiaAI. A junior bookkeeper costs between $35,000 and $49,000 a year. An AI bookkeeping tool costs $240 to $6,000. That gap tells you everything about where SME spending is headed. I run an SEO agency and work with dozens of small business owners across trades and services. I also co-founded GiaAI, an AI platform built to automate lead generation for service businesses. So I see both sides of this shift every day. The business owners I work with are not making grand statements about the future of work. They are…

Author: Hasan Can Soygök, Founder, Remotify.co There is a growing disconnect between the people who manage money on paper and the people who manage it in practice. Finance professionals spend their careers building accurate reports and refining dashboards. Yet across industries, the operators and small business owners who handle money every day keep arriving at the same conclusion: the finance world is solving the wrong problems. The gap is not about intelligence or training. It is about proximity. The person coding an invoice at 6am before a shift starts experiences finance differently than the person reviewing a quarterly P&L from a corner…

By Jesse Fowler, Founder of J&J Renovations and J&J Plumbing Services I run a plumbing and renovation business. So when fintech people talk about embedded finance, they usually mean retail checkout pages or SaaS dashboards. They rarely mean the kitchen table where a homeowner is staring at a five-figure quote for a bathroom renovation. That is starting to change. And the trades industry is quickly becoming one of the most interesting frontiers in point-of-sale lending. The gap that traditional lending left wide open Here is the reality most fintech founders do not see up close. A homeowner needs a new hot water system or…