Posts By Reeves Birner
-
300Fintech NewsFinancial inclusion in the US: why 4.2% unbanked is the wrong headline
Most Americans last opened a bank account at a branch; a growing share have never set foot in one. In 2023, the...
-
45Fintech News
Cloud Computing in Finance Crosses 200 Billion in Annual Spend as US Banks Quit Legacy Hardware
Open a trading dashboard at any large US bank in 2026 and the underlying compute is almost certainly running on someone else’s...
-
65Payments
Mobile payments in the US: 11 taps a month, $450 billion a year, and one platform taking most of the cut
Walk into any American coffee shop at 7 a.m. and half the queue is paying with a phone or a watch. That...
-
41Blockchain
Enterprise blockchain platforms in 2025: $31 billion, four platforms, and the quiet rise of permissioned ledgers
In 2017, a Walmart food safety team asked IBM a simple question: could a blockchain cut the time it took to trace...
-
39Fintech News
Fraud detection systems in 2025: a $54 billion market run by two card networks
Pull out your debit card at a grocery store in Chicago and, in the 40 milliseconds before the “approved” beep, a neural...
-
61Fintech News
Credit scoring algorithms in 2025: 87.5% of US adults now have a score, and the consensus just broke
Two numbers tell you how much the US credit scoring system has changed in the last 15 years. In 2010, 81.6% of...
-
406Fintech News
Why digital payments account for over 32% of the UK fintech market
Digital payments now define the UK FinTech landscape The United Kingdom’s fintech sector has undergone a structural transformation over the past decade,...
-
419Fintech News
How mobile banking dominance is reshaping UX strategy
Mobile banking has become the default channel for retail financial services Mobile banking is no longer a supplementary service — it is...
-
507Fintech News
How neobanks are expanding through embedded finance partnerships
Neobanks have spent their first decade proving they can acquire customers and manage deposits. Their second decade will be defined by how...
-
303Fintech News
Why deposit-funded models are improving fintech margins
Rising interest rates, long viewed as a headwind for fintech, have turned into a meaningful tailwind for digital banks with strong deposit...
-
362Fintech News
How challenger banks are redefining retail banking economics
Challenger banks entered the UK market promising to disrupt retail banking. A decade later, the disruption is not just in the customer...
-
301Fintech News
Why digital banks are outperforming traditional institutions in customer acquisition
Traditional banks still hold the majority of customer deposits globally, but they are losing the customer acquisition battle. Digital banks are signing...
-
417Fintech News
How Revolut scaled to over 52.5 million users globally
Revolut reached 52.5 million users by the end of 2024, according to Fortune. That number, reported alongside £790 million in net profit,...
-
302Fintech News
Why mobile-first banking captured over 61% of fintech user interfaces
When Fortunly reports that mobile-first banking accounts for over 61% of fintech user interfaces, the implication extends beyond a product design preference....
-
388Fintech News
How digital banks are transitioning from growth to profitability
The narrative around digital banks has shifted from growth to profitability. For most of their existence, neobanks were evaluated on user acquisition...
-
264Fintech News
Why neobanking is forecast to grow at a 19.18% CAGR in the UK
Neobanking in the UK is entering its growth phase. The market is forecast to grow at a 19.18% compound annual growth rate,...
-
372Fintech News
What rising capital efficiency expectations mean for fintech startups
Capital efficiency has replaced growth rate as the primary metric by which fintech investors evaluate startups. The shift started in 2022 when...
-
329Fintech News
How global fintech deal volume reflects increasing competition
Deal volume in fintech is accelerating even as average deal size contracts. Global fintech reached 5,918 deals in 2025, according to Innovate...
-
370Fintech News
Why fintech investment volatility contrasts with long-term market growth
In 2021, global fintech investment hit $131 billion. By 2023 it had fallen to $43 billion. In 2025 it recovered to $53...
