February 16, 2026
Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant Open banking is a simple idea. You should be able to share your own financial data with whoever you choose. Want a budgeting app to see your transactions? A lender to check your real income instead of just your credit score? That should be your call, not
February 16, 2026
AI is making lending decisions, flagging fraud, and managing investment portfolios. Regulators are catching up. And the fintechs caught in the middle are trying to build compliance frameworks for rules that keep shifting under their feet. We asked industry leaders what compliance challenges they're seeing on the ground as AI takes on a bigger role
February 14, 2026
Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant Valentine’s shopping is not calm shopping. It is deadline shopping. People wait longer than they should. They buy late because they want the “right” gift. They buy late because life is busy. They buy late because they underestimate how quickly the date arrives. Then they need the
February 13, 2026
Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant Valentine’s Day looks like a romance holiday on the surface, but in finance terms it is a predictable, short, high-pressure surge in consumer demand. People buy because the date is fixed. They buy because they do not want to miss the moment. That creates a burst of
February 13, 2026
B2B buy-now-pay-later (BNPL) is growing faster than consumer BNPL for a simple reason: businesses buy to keep work moving, not to splurge. When cash flow timing gets messy, flexible payment terms can be the difference between “project continues” and “project stalls.” In consumer BNPL, the story has matured. Many shoppers already have access, default risk
February 11, 2026
Vertical SaaS used to win on workflows. The pitch was simple: replace spreadsheets, remove admin pain, standardise operations. That model still works, but founders we spoke to say it is no longer where the biggest upside sits. The centre of gravity is shifting from subscription revenue to transaction-led revenue, where payments, lending, and insurance are
May 21, 2025
From Niche Alternative to Financial Powerhouse Private credit has graduated from financial wallflower to the belle of the capital markets ball. Now, it generates headlines that used to be for big IPOs. It has moved from being an alternative investment to a mainstream player. Assets under management reached $1.5 trillion in 2024, according to recent
May 16, 2025
The Generative AI Revolution in Finance Generative AI has graduated from buzzword to backbone in financial services for 2025, dominating the latest breaking news updates across the sector. Against a backdrop of current world events and news, Goldman Sachs’ GS AI Assistant and Banker Copilot now empower 10,000 employees, boosting software engineering throughput by 20
April 16, 2025
Introduction: The Trade War Escalation The global financial landscape shifted dramatically on April 2, 2025. President Trump announced sweeping tariffs, imposing a 145% levy on most Chinese imports. China swiftly retaliated with 125% duties on American products. This triggered immediate and dramatic market reactions. The S&P 500 dropped over 10% in just two days, while
April 14, 2025
Decentralised Finance, or DeFi, has emerged as one of the most revolutionary innovations in the global financial system. DeFi is an economic system that uses blockchain technology to provide open, permissionless, borderless alternatives to traditional financial intermediaries like banks. DeFi platforms recreate and often even improve upon existing financial functions, from lending and borrowing to savings
March 31, 2025
Central Bank Digital Currencies (CBDCs) are digital versions of national currencies. They are issued and supported by central banks. As economic news and market trends indicate, CBDCs are different from cryptocurrencies or stablecoins. They are legal tender and have government backing, unlike the tokenized nature of cryptos. Since 2020, the number of countries looking into
March 24, 2025
Introduction Private credit represents direct, non-bank lending to businesses outside public markets. Companies get funding from investment firms, private equity funds, and specialized credit providers. This is preferable to taking loans from banks or issuing bonds on public exchanges. This financing approach provides mid-sized companies with capital that traditional banks or public debt markets often
