3D illustration of a smartphone floating at an angle on a dark navy blue grid background, displaying a mobile banking app interface with yellow and blue UI elements

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...

Geometric illustration of neobank embedded finance partnerships with navy blue gradient overlay and fintech network icons

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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...

3D illustration of gold coin stacks on ascending blue platform steps with a large teal upward arrow rising above them on a dark navy blue grid background, representing improving fintech margins

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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...

Illustration of a smartphone displaying a banking app next to a blue classical bank building with gold coins flying between them on a dark navy blue grid background

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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...

Illustration of a classical neoclassical bank building with stone columns and a gold clock on its pediment lit with warm amber light inside, with a glass office tower in the background on a dark navy blue grid

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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...

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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,...

Isometric 3D illustration of a smartphone displaying a fintech banking dashboard with blue bar charts and data visualisations on a dark navy blue grid background

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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....

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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...

Illustration of a smartphone with rising blue bar charts growing from it and a gold upward-trending arrow on a dark navy blue grid background, representing neobanking growth

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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,...

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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...

3D perspective illustration of rows of glowing amber nodes along converging teal data track lines stretching into the distance on a dark navy blue grid background, representing competitive fintech deal activity

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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...

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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...

Glowing blue security shield with a gold border overlaid on a dark world map with gold connected dots on a navy blue grid background, symbolising geopolitical risk in fintech

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How geopolitical uncertainty is reshaping fintech funding cycles

The relationship between geopolitical events and fintech investment used to be indirect. Macroeconomic shocks would affect public markets, which would dampen venture...

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Why venture capital flows are shifting towards embedded finance platforms

The embedded finance market hit $148.38 billion in 2025 and is projected to reach $197.06 billion in 2026, according to Precedence Research....

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How female-led fintech firms raising only 3.4% of funding highlights inequality

Female-led fintech companies raised $1.19 billion in 2023, just 3.4% of the approximately $35 billion invested in the fintech sector that year,...

Illustration of a dark blue unicorn with a gold horn rearing up alongside glowing gold circuit lines and dots on a dark navy blue grid background, representing fintech unicorn companies

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Why fintech accounts for 16% of all global unicorn companies

More than 313 fintech companies worldwide have crossed the $1 billion valuation mark, according to Fortunly. That figure represents roughly 16% of...

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Why the UK holds 11% of the global fintech market despite funding volatility

Every smartphone in the UK runs fintech applications, from Wise for international transfers to Revolut for payments to Freetrade for trading. Yet...

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How the UK still secured second place globally with £2.6 billion investment in 2025

The UK fintech sector faced a crisis that would have devastated smaller markets, yet paradoxically occupied second place in global fintech investment...