Fintech Newsletter

Innovation

Embedded finance: next growth frontier for banks and merchants

Merchants of all sizes and in all sectors must adapt to meet changing customer expectations and leverage new technologies to drive growth, explains Ross Taylor

Payments

EarnIn Helps Employees Receive Payment in Real-Time

While most earned wage access tools allow workers to receive a portion of their paycheck a few days early, EarnIn’s Live Pay allows users to gain access to their earned funds as they work. Live Pay provides a real-time earnings stream that grows when the user works.

Research

The strategic needs and challenges facing fintech businesses

As cross-border growth becomes increasingly key to fintechs’ success so too is the importance of International Finance Centres as global fintechs look to scale their business, explains Elise Donovan

Digital Banking

Deutsche Bank Partners with Bolt for European Card Acquiring

Deutsche Bank to provide regulatory framework for mobility platform's payment processing through Silverflow infrastructure across Europe and UK.

7 fintech startups racing to expand digital banking in Mexico

Mexico continues to draw VC attention as the race between fintech startups to win over the country’s digital banking market heats up.

Mexico City-based Stori, Plata and Klar, which have all raised significant funding within the last year, offer complete credit card and digital banking services to their customers in a quest to challenge traditional banks. And as part of their strategy, they’re focused on consumers historically underserved by these institutions.

For investors who have seen the immense success of leading digital banks like Nubank in Brazil, for example, Mexico appears as a market where they could potentially make it big by betting on the winning horse, said Packer.

JPMorgan Chase's Apple Card Takeover: A Strategic Shift in Fintech and Banking Stocks

The potential acquisition of Apple's credit-card program by JPMorgan marks a pivotal moment in the financial sector, signaling a strategic realignment between traditional banking institutions and tech-driven fintech platforms.

This deal, which has been in advanced negotiations since early 2024, not only reshapes the credit card landscape but also highlights the growing importance of partnerships between big tech and legacy financial players.

Japan’s Zerobank Design Factory to Power New Digital Bank for MUFG

MUFG’s new digital bank will feature the cloud-based banking system developed and operated by Zerobank Design Factory, a subsidiary and the technological development arm of Fukuoka Financial Group.

The announcement was made by Minna Bank, a fellow subsidiary of FFG that runs on ZDF’s core banking technology. In collaboration with Accenture and operating on the Google Cloud, the MUFG deployment will be the first time Zerobank Design Factory will see its solution used by an organization outside of FFG.

Regulatory Technology

Fintech Risk's Reckoning: Why 2025 Demands Smarter Insurance

As fintech matures, traditional insurance models fall short. New hybrid policies must cover tech risks and financial liabilities in one framework