Fintech

In the global fintech arena, Latin America is often viewed as a land of immense opportunity, but for those building the actual technology, it is a complex puzzle of fragmented regulations. Unlike the European Union, where the PSD2 framework provides a degree of regional standardization, Latin America is a patchwork of distinct legal jurisdictions. For … Read more

For decades, the banking industry operated on a philosophy of isolation. Financial institutions were “proprietary islands”—closed systems built on legacy mainframes, speaking languages that only their own internal servers could understand. If you were a customer, your data was effectively a “locked box.” Accessing that data or moving it to another service required manual file … Read more

Financial APIs are driving a fundamental shift in the banking business model: moving from selling rigid, fixed product bundles (like a traditional checking account with mandatory services) to selling individual, modular financial capabilities (like identity verification, payment processing, or card issuing). This transformation is the core of Banking as a Service (BaaS). This strategy allows … Read more

In modern finance, the battlefield against fraud has shifted from static defenses to dynamic, real-time adaptation. Traditional fraud detection relied on fixed, brittle rules—if a purchase exceeded $5,000, it was flagged. Fraudsters quickly learned to circumvent these predictable boundaries. The revolution brought by Machine Learning (ML) and AI is the ability to create a unique, … Read more

The first few moments a new user spends on your platform are the most fragile of their entire lifecycle. This is the digital first impression, the window where excitement can either blossom into loyalty or wither into abandonment. In the world of fintech, the bank account verification step is often the centerpiece of this critical … Read more