DIGITAL BANKS IN EUROPE
In this brief, converted from a publicly available Linkedin post, a high-level picture of the digital or neo-bank landscape in Europe is provided.
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Wallets
Digital or mobile wallets, wallets with P2P payments capability and virtual banking, e.g., Apple Pay. Content related to neo-banks is included in this category, as is content related to contactless payments.
FINTECH REGULATION LEGAL ISSUES AND REGULATORY COMPLIANCE (UNITED STATES AND UK)
A link to an article by Geniusee identifying the most important regulatory issues facing fintechs and listing the regulatory bodies with which they deal in the US and Uk.
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THE FRAGMENTED US PAYMENTS LANDSCAPE 2023
This slide presents a table showing the current fragmented state of the US payments landscape, suggesting that it can be simplified going forward.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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THE FUTURE OF ONLINE PAYMENTS: BNPL, UPI, EMBEDDED FINANCE AND MORE
In this report, recent rends in the online payments ecosystem in India are discussed, from UPI and digital wallets to Buy Now Pay Later (BNPL). The report also discusses how fintechs are gearing up to meet the demands of future customers.
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OPENING THE BLACK BOX OF DIGITAL WALLETS AND DEMYSTIFYING ‘BUY NOW, PAY LATER’
This article uses data froma leading Chinese provider to show that ‘buy now, pay later (BNPL)’ dominates e-wallet transactions and expands fintech credit to underserved consumers.’
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CONTACTLESS DEBIT CARD USE 2022
A slide showing the growth rate of contactless debit cards in 2022 in the UK, Brazil, US, and UAE.
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PAYMENT PREFERENCES INDIA, MEXICO, UK 2023
A slide showing preferences among card and alternative payments in the UK, Mexico, and India in 2023.
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GRAPHIC ILLUSTRATION OF FINTECHS, PROCESSORS, AND ISSUING BANKS
A graphic illustration of the user-facing apps, issuer processors, and issuing banks that power digital and mobile payments.
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STRATEGIC COMPLIANCE
A Vodcast by 99FinTech addressing compliance in the digital payments and banking space that explains how firms that embrace compliance versus treating it as a cost center can position themselves better to attract investors, accelerate market entry, achieve competitive advantage, and ensure stability.
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