Posts By Reeves Birner
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371Fintech NewsThe Rise of Banking-as-a-Service Platforms
In 2019, a company called Unit launched with a single product: an API that let any software company offer bank accounts to...
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357Fintech NewsWhy Technology Is Transforming Banking Operations
HSBC’s global payments division processes approximately 4.5 million transactions per day. In 2019, a single compliance check on a cross-border payment required...
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333Fintech NewsHow Fintech Is Reinventing the Banking Model
For 400 years, banking worked on a simple model: take deposits, lend money, charge the borrower more than you pay the depositor,...
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386Fintech News
The Next Generation of Banking Platforms
Antony Jenkins spent five years as CEO of Barclays, one of the world’s largest banks, trying to modernise its technology from the...
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413Fintech News
The Growth of Global Neobank Ecosystems
Revolut is not just a bank. It is a financial ecosystem with 50 million customers across 38 markets, offering current accounts, savings,...
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399Fintech News
How Fintech Companies Are Building Banking Infrastructure
Marqeta went public in 2021 at a $15 billion valuation. The company does not issue credit cards to consumers, does not hold...
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460Blockchain
How Blockchain Technology Is Transforming Financial Services
In October 2023, JPMorgan’s blockchain-based platform Onyx processed $1 billion in tokenised transactions in a single day. BlackRock launched its first tokenised...
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367Fintech News
Why Banking Innovation Is Accelerating
JPMorgan Chase spent $17.1 billion on technology in 2024. That figure, larger than the annual revenue of most fintech companies, represents a...
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352Blockchain
The Role of Blockchain in Modern Financial Infrastructure
SWIFT, the messaging network that connects 11,000 financial institutions across 200 countries, processed 12.4 billion messages in 2023. For over 50 years,...
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385Blockchain
Why Blockchain Innovation Is Reshaping Finance
In January 2024, BlackRock filed for a spot Bitcoin ETF, and within three months the fund attracted over $17 billion in assets....
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389Blockchain
The Growing Importance of Blockchain in Fintech
When Circle published its 2024 attestation report, it revealed that USDC, the company’s dollar-backed stablecoin, had processed over $12 trillion in cumulative...
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344Blockchain
How Blockchain Is Improving Financial Transparency
In September 2023, Visa published the results of a year-long experiment: every USDC settlement transaction processed through its stablecoin pilot was visible...
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417Blockchain
The Evolution of Blockchain in Financial Technology
On 3 January 2009, Satoshi Nakamoto mined the first Bitcoin block, embedding a headline from The Times: “Chancellor on brink of second...
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371Blockchain
Why Blockchain Is Becoming a Core Fintech Technology
In 2020, Revolut listed cryptocurrency trading as a feature alongside currency exchange and budgeting tools. By 2024, blockchain was embedded in the...
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338Blockchain
How Decentralised Technologies Are Changing Financial Services
On 15 September 2022, Ethereum completed the Merge, switching its consensus mechanism from proof-of-work to proof-of-stake and reducing the network’s energy consumption...
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310Blockchain
The Role of Blockchain in Digital Finance Innovation
In March 2024, BlackRock launched BUIDL, a tokenised US Treasury money market fund, on the Ethereum blockchain. Within six months, the fund...
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366Blockchain
Why Financial Institutions Are Exploring Blockchain
In November 2023, Goldman Sachs issued a €100 million digital bond on a blockchain, settling the transaction in the same day instead...
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368Blockchain
Blockchain’s Role in Secure Financial Transactions
In February 2016, hackers sent fraudulent SWIFT messages from Bangladesh Bank’s terminal and successfully transferred $81 million to accounts in the Philippines....
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390Blockchain
How Blockchain Is Transforming Cross-Border Payments
A migrant worker in Dubai sending $200 home to the Philippines through a traditional remittance channel will pay an average of $12...
