In fact, I bet you have been wondering what is the logic behind the product that immediately communicates to the customer and the company without any human involvement. The answer is the title name of an API (Application Programming Interface), the element that makes the data exchange ceramic the invisible wires of the platforms. APIs provide businesses with tools to handle transactions automatically, secure systems, and offer real-time updates to the customer. They have such a key role in guaranteeing that users will have a seamless experience.

This story is about the APIs that are the backdrop of fintech and how these are the future of banks.

What Are APIs and Why Are They Essential in Fintech?

These are like people who work in different companies and are responsible for delivering the message in a clear and understandable way. They allow systems to chat with each other and get information without asking for any human help. Through fintech, APIs are used to enable secure and fast transactions that take place across different platforms.

For the digital gift card systems, APIs not only save merchants time, but also provide complete and timely answers to clients who ask for their balance, submit a new transaction, or wish to request other services such as load or withdraw. Thus, in the case where client checks their joker card balance, within seconds, APIs get the data from the server and send it to the customer if the data has changed. When these kinds of cases are successfully attended to, the problem of discrepancies resolves, the system becomes more reliable, and the overall user experience improves. Apart from saving time, APIs also support the scalability of businesses – making transactions smooth across different channels without troubles and interruptions.

How APIs Are Transforming Digital Gift Card Platforms

APIs are not just the backbone of digital card systems; they are the ones who let them work. Let’s find out how they contribute to the development of these systems:

1. Instant Issuance and Redemption
   You do not have to wait for a physical card to come in the mail as it was in the past. One of the API features is generating and distributing digital gift cards in real-time is what this feature is for. Furthermore, the moment a customer uses a gift card, the API not only instantly updates, but it also makes the balance across the systems connected updated at the very instant the client redeems such a card.
2. Seamless Integration Across Multiple Platforms
   Gift cards are used by many people on different sites like e-commerce stores, mobile apps, and in-store purchase terminals. To facilitate the smooth integration among them is the work of APIs. As a result, the users can buy, send, and redeem gift cards wherever they are.
3. Automated Fraud Prevention
   The API plays a dual role; it can both block any fraudulent transactions and empower the users by offering the tools to take charge of their accounts. The most important part of API integration is the possibility of advanced fraud detection through robust fraud prevention systems, thus letting the clients not worry about fraud.

Key Features That Make API-Driven Gift Card Platforms Stand Out

API offers many advanced features to digital gift card platforms which make them better in terms of reliability and processes. Some of these include:

• Real-Time Synchronization: Each customer can check their balance, their transaction records, or easily redeem the cards, thanks to the high-speed and efficient operations provided by the APIs.
• High-Level Security: At the same time, the APIs are built with strong security mechanisms like encryption and tokenization which are necessary to prevent any unauthorized access or fraud.
• Global Compatibility: You may find that businesses are issuing digital gift cards that support different currencies and regions so clients can take advantage of them even if they are in different countries and carry only one card.
• Automated Workflows: APIs lever the system to a high level by doing everything instead of human interference, such as a. update of customers’ balances, refunds of payments and informing them of the changes.

Why Businesses Should Invest in API-Powered Gift Card Platforms

Digital gift card systems backed by the APIs become a one-time win-win for both enterprises and customers. What is the reason they are worth to spend money on them? Here you are:

• Efficiency Enhancement: Operational costs go down and processes speed up thanks to AI-powered automation.
• Improved Customer Experience: Error-free APIs update information continuously enabling the exchange of correct data and increasing users’ satisfaction.
• Secured Transactions: Transactions are tokenized, allowing for higher levels of safety and privacy due to the sensitive nature of gift card data information. Meanwhile, instant balance updates will help the business stakeholders to always stay clear of any errors, which in turn builds trust and ensures a better relationship between them and their clients.
• Faster Market Expansion: Businesses can reach new regions by launching gift card programs which is the easy way out instead of building a new system here.

APIs allow businesses to create and tailor gift card programs, which in turn, helps them meet specific branding and customer engagement goals.

Challenges in API Implementation and How to Overcome Them

However, despite the advantages, the implementation of APIs usually runs into its own challenges. Here are the obstacles businesses frequently face in relation to APIs and then follow some not-complicated ways to overcome them:

1. Compatibility with Legacy Systems: A common problem in the use of APIs is that many companies are still operating on older systems that do not support API integration.
   Solution: The use of middleware or API gateways can be employed as an interim measure to fill in the gap between the old and new technologies.
2. Security and Compliance Concerns: APIs are gatekeepers of sensitive financial data which makes them possible property for cyber criminals to target for malicious acts.
   Solution: It is relatively easy to safeguard consumer information through the application of security measures including multi-layered authentication and the use of data-encryption techniques.
3. Managing Multiple APIs: The large scale companies may rely on a number of APIs for different services, a situation that may create management complications.
   Solution: The management of APIs is handled with API-centric tools which also provide monitoring tools that track the performance, security, and uptime of API applications.

How APIs Enhance Gift Card Balance Accuracy

One of the issues that upset the users is the incorrect or delayed balance of the card caused by API and this is a major reason why they should be the main focus of the solution. The APIs perform a real-time balance update whenever a transaction occurs. If a customer wishes to know his joker card balance, he just needs to access the server. It will pull the most recent data and display it, hence the data due to the time difference if any change was made, will be the same as what the server shows. Customers won’t have any confusion caused by the slow pace and they will feel a secure and trusting relationship with companies handling their accounts if this type of service is provided to them.

Emerging Trends in API-Driven Gift Card Technology

As technology keeps changing, the APIs are moving towards more advanced technologies. For example:

• AI-Driven APIs: AI is quickly becoming a part of the API technology most particularly in offering and giving customers predictive analytics and personal gifting ideas.
  Blockchain Integration: One particular way of augmenting API use is through the integration of the blockchain network which increases transparency and curbs fraud.
• Customizable API Solutions: The producers are going to introduce modular APIs into the market, so you might be able to tailor your software to fit the desired outcome. Businesses will have flexibility with their old program, by making something new.

Why APIs Are the Future of Digital Gift Cards

The truth is that API systems of digital gift card technology are of substantial importance. APIs simplify the process, stand at the center of a user-friendly experience, and provide scalability to the ever-changing market demands.

Reinvent yourself by embracing new technologies such as APIs and discover the benefits. Businesses that invest in AI-integrated, blockchain-enhanced solutions will be miles ahead of the competition. Consequently, the use of APIs in the prevention of scams, allowing for cross-platform transactions, and the use of AI for customer engagement will be the driving themes behind digital gifting in the future.

The Road Ahead for API-Powered Gift Card Systems

Giving API is the key to the fintech train which happily so will never derail. Not only do companies provide up-to-minute systems, but their very own customers are also upgrading to appliances that are smarter and more problem-free every year.

The post How APIs Are Revolutionizing Digital Gift Card Systems appeared first on FF News | Fintech Finance.

The cybercriminals always find the latest vulnerabilities to exploit, so the businesses and in the end, the consumers, incur losses through fraudulent methods. However, blockchain technology is becoming quite the solution to the problem. Blockchain makes digital gift card transactions more secure and easier to manage by dealing with the major issues that unlock the way to fraud in this case. Let’s see how blockchain will reshape the gift card security sector in the future.

Why Are Digital Gift Cards Vulnerable?

The use of digital gift cards, while it is in a super convenient position, still makes it a very easy thing for malicious bots to bring down. The systems these digital gift cards rely on are ones that store data in one place usually and traditionally have limited security measures. The centralization of data storage, in most cases, is what causes such problems as well as gravely intensifies them. Here are some of the most common issues:

• Fraud and Unauthorized Access: Hackers make it an easy task to steal gift card credentials by frequently using techniques like phishing and malware. This is done when the balance can be spent by hackers without the owner’s knowledge.
• Data Breaches: Many industry players keep some very sensitive information about their customers in one place, which is a single database. Hence, if cybercriminals can manage to penetrate the system, they can steal it at once.
• Cloning and Counterfeiting: With digital technology, these gift card codes can be duplicated, used, and depleted before the original owner comes to realize it. This in practice messes up the entire system of gift cards and turns the customer into prey who feels insecure.

Unveiling those weaknesses is essential to learning the reasons why blockchain is a disruptor in the gift card security field.

What Makes Blockchain a Secure Alternative?

Blockchain technology is mainly famed for the fact that it is capable of fixing the downsides of the previous systems. Its main features—decentralization, encoding and non-transferability—make it a better choice for gift card security.

1. Decentralization: The method of traditional database storage involves a single location to store data, while blockchain uses many ledgers in a way that a whole network shares the data between the branches. In this way, using only one entry point to the platform is ruled out and, as a result, the chances of data theft are completely lowered.
2. Encryption: Blockchain encrypts all messages that are sent to it using very sophisticated anonyms. By doing so, no data of a sensitive nature is either tampered with or unprotected after the encryption process.
3. Immutable Records: Adding data, relating to the transaction to the blockchain is the process that embeds it into the chained immutability. As a result of this operation, the records remain unchanged and the fraudulent activities are lower than ever.

By the use of blockchain in their gift card systems, companies will be able to create a much more transparent and secure system not only for businesses but also for customers.

Real-World Uses of Blockchain in Gift Card Systems

The blockchain technology has so far been a terrific theoretical concept, however, it has already been utilized in the actual practice as an enhancement of the safety and use of digital gift cards:

• Fraud Detection: To validate transactions, block true transactions may be conducted by a distributed system of agreed-upon parties who can help immediately to spot and deal with any irregular activity.
• Enhanced Data Privacy: The storage of personal data in a decentralized way makes it less possible to suffer large-scale data breaches. Therefore, even when hackers are coming in, they are unable to access either personal information or the transaction history which will still be safe.
• Clear Transaction Records: Blockchain’s indication of the un-editable nature of the ledgers brings all suppliers of particular goods or services and clients’ perspectives to the same page. Blockchain is making things easy when disputes should be settled and allows for privacy by customers, thus making them more secure.

In addition to this, some platforms offer a facility where a user can instantly check his or her MyGift balance using blockchain technology. This functionality helps the customers to monitor their expenditures efficiently and therefore become aware of any illicit financial movements quickly.

Why Blockchain Is More Than Just Security

Apart from the fact that blockchain stands for security, it offers more than that, such as its versatility, which opens the door for new features and a better gift card experience:

• Efficiency: These digital applications, like blockchain, have a speed advantage over traditional ways. With this benefit, gift cards can be updated in almost real time that is, the balances will immediately reflect the transactions when you shop during peak periods.
• Lower Costs: Companies utilizing blockchain will benefit from fewer fraud-related costs and the elimination of middlemen. They can also see a decline in administrative costs and manual security measures as the technology provides much more efficient and secure ways to run the company.
• Increased Trust: Users are more inclined to use a platform that gives them full transparency on how the blockchain remains one of the technologies that cannot be altered. The blockchain’s unchangeable data guarantees customers that neither their money nor personal information is going to get stolen.

These benefits are evidence that blockchain is a promising technology for those businesses seeking to enhance their gift card systems and cater to the needs of users.

Challenges in Adopting Blockchain for Gift Cards

Despite the promising offer, the implementation of blockchain comes with obstacles including the following:

• Cost of Integration: Building blockchain infrastructure requires the initial investment which deters companies smaller than middle-sized ones, for example, from gaining this hinted edge over their rivals.
• Regulatory Uncertainty: Development in regulatory measures is still slow and hard to be standard. Companies are at the center of this issue, however, they can be made to comply with the new regulation without the worry of getting fined.
• Consumer Education: Consumer Education: The users still utilize most of the not well-known blockchain tech, but it is the new rules of the game. So, educating the consumers on the services, utilities it may use and functions is up to the companies that hope to raise the dough in the IoT market.

These problems will need help from technology and developers, and regulators to be solved in an integral way. As technology becomes more mature, these challenges will tend to disappear.

Looking Ahead: The Future of Blockchain in Gift Cards

So far, the contribution of blockchain in the gift card industry seems to be just the start. Here is a sneak peek into the probable upcoming:

• Smart Contracts: This idea is that third-party interference is not necessary in such scenarios as adjusting balances or making refunds. Instead, the programming of self-executing contracts eases the process.
• Industry Standardization: The process of adoption and standard operating procedures are moving in one direction nowadays. With zeroing in on blockchain, the whole matter will not be problematic for firms anymore.
• Cross-Technology Integration: Blockchain itself alongside additional technologies such as AI and IoT can result in more world-wise and safer financial systems that are methodically interlinked even to the smallest point.

There are almost unlimited variations of the hopeful opportunities, and predictions tell us indeed, companies will be the first to make use of the most of the features in this highly innovative and versatile environment.

Simple Tips for Secure Gift Card Usage

The main idea in the given text is that while blockchain is a technology that can significantly improve the security of digital gift cards, consumers themselves can also contribute to their security by taking various steps like blockchain.

• Use Verified Brands: Hunt down gift card platforms that utilize robust security protocols like blockchain.
• Check Your MyGift Balance Regularly: Keeping an eye on your balance is necessary for you to spot unauthorized transactions at an early stage and to blink them.
• Keep Your Codes Safe: Securely save gift card details and share them not with people who are not authorized.

By preventing rather than reacting to theft you can both easily save money and utilize the full benefits that come with digital gift cards.

The Years of General Insecurity are Gone: Blockchain to the Rescue

The blockchain technology has stormed the public perception of the way digital card dealings are taken care of. Its innovation lies in the fact that it can give decentralized, encrypted, immutable records to ensure system security which is something that the traditional systems will never manage. Also, it brings along with it the advantages of transparency, efficiency, and user trust for businesses and consumers.

As time goes on, the blockchain will continue to be used as a fundamental tool in financial systems and especially in electronic banking services. Along this way of adoption, we are able to predict a future whereby smart cards will be more secure and the processes of buying and using them will be easier and faster.

The post Blockchain: A Game-Changer for Securing Digital Gift Cards appeared first on FF News | Fintech Finance.

Making the leap from elite sport to the business world is more common than you might think. For every athlete that stays in the sporting ecosystem there could well be 10 others that go into other industries, including business.

The reality is they are actually well suited to that environment.

From exceptional time management, resilience to extreme highs and lows and a pretty good working knowledge of data analysis, there are a surprising number of cross compatible skills. A 2023 study by Deloitte found that over 70% of corporate executives were former college athletes, and another study from 2023 found that 93% of female executives earning over $100,000 had sporting backgrounds.

Many industries would benefit from the insights of a former elite sportsperson and fintech is no different. It’s a space full of disruptive startups all fighting to survive but it’s also a space of immense growth and potential. Fintech founders and leaders will have had to weather a range of experiences that are not dissimilar to challenging for a league title, chasing a world record or competing in a competition.

As such we’re interested in what we can learn from those who have straddled both worlds.

James Stokes is just such an individual. A former professional rugby player for Premiership club London Irish, he is now Director of Development for The Performance Chain, a business consultancy, aiming to transform businesses using the tools and behaviours from elite sport. His career saw him play in all 6 tiers of rugby in this country, winning multiple league titles and playing at the top level for a number of seasons with London Irish, concluding with a stint for RFC Los Angeles.

By his own admission it’s not been an easy ride but has had periods of success. Covid-19 put a temporary halt to his career trajectory after making his way through the tiers to arrive in the Premiership but he was re-signed after the restart. Another big blow came when his former club London Irish went into administration in 2023. Without a club and once again scrambling for work, he ended up getting an opportunity across the pond for RFC Los Angeles, part of the US Major League Rugby. When this ended prematurely, he decided it was time to venture into the business world.

We had the chance to speak to him about his journey and how his experiences have impacted his outlook on life and business. He recognises the resilience he’s gained and many of the transferable skills that he’s had to pull on throughout his career. Some might have faltered given the challenges he’s faced, but he views things a little differently.

​​Leaving professional sport isn’t always easy. How have the skills gained in professional sport and the challenges associated with leaving, helped you in your career since?

Aiming to do the things you can control, and doing them well has always helped. If you focus on the granular, it usually adds up to the greater goal. You can get lost in your thoughts, but if you zone in on doing those individual behaviours really well, it adds up. So I’ve always been very focused on doing the simple things really well.

The other thing is goal setting. As athletes we set goals on a daily, weekly, yearly and seasonal basis. But we also constantly review those processes looking at how you can adapt and improve by regularly reviewing the way you function? Then there’s resilience. I’ve played in the top league, the Premiership, all the way to the 6th tier of English Rugby. So I’ve been in a lot of dressing rooms. I’ve seen some incredible performers but I’ve also seen incredible leaders, and team cultures and what they’re built on.

Managing loss and performance is also something you experience a lot when playing, so the ability to pick yourself back up again is important. One of the greatest pieces of advice I’ve received is, ‘You don’t get too high when you win, and you don’t get too low when you lose’. It’s normal to feel emotion when you go through something you care about but you can also see it as a great opportunity. I’m a big believer in opportunity always follows adversity.

I’m not saying that it’s the only way you can discover that, but it’s definitely put me in a good position to handle those obstacles and bumps in the road.

Why did you decide to do what you’re doing now with The Performance Chain and 24 Hour Leader?

The Performance Chain is essentially a leadership and organisational consultancy using elite sport behaviours to transform business and increase productivity.

I’ve seen the power of good leadership and the impact of bad leadership. When it’s done badly it can result in poor financial performance, poor work culture, and poor talent retention as well. So investing in leadership is one side of our business.

We also have The 24-hour Leader programme which is a comprehensive two year wellbeing programme both for individuals from multiple companies, and teams in individual business. Through this we educate and empower people on what we see as the 3 pillars of high performance: Leadership and Team Dynamics being two of them. Included in that is Energy Management: How are you fuelling yourself, how are you recovering, sleeping, hydrating? Where or who are you gaining energy from in the day?

Finally, is our Total Wellness pillar. We look at the emotional, the cognitive, the social, the physical and the financial support as well. Our aim is to transform lives from day one all the way to the end of the two-year programme. There’s a huge community aspect to it too, where you’re in an environment with high-performing people.

Progressing on your own is difficult but, to use an example from sport, if you see another athlete doing the extras, then you’re more likely to want to do those extras. That was my experience. Once upon a time, Jonny Wilkinson would be the only one doing more after training. In my last year of rugby, you’d be hard pressed to find a single player not doing extras. Simply sitting near a high-performer boosts your own performance.

Our 24-hour Leader programme is all about your journey. We’re not expecting people to come in from day one and become Navy SEALs or the Jonny Wilkinsons of the world. It’s about finding your own high-performance routine, and making incremental changes towards the greater goal.

How does what you do apply to an industry like Fintech, and why is it important that we have better leaders and better company culture?

A lot of what we do applies to Fintech whether it’s around innovation or building teams. Finding a shared vision and pulling the team together to work towards the greater goal.

A strong company culture is essential, and that comes through buy-in from both the employee and the employer. My experience is that if someone is empowered, really enjoying the process and is working hard, and rewarded for it, then it’s an amazing place to work and the results come. It goes back to working at the granular level again.

Fintech is obviously a customer-centric industry as well. So leaders need to foster a culture where employees prioritize the customer first. It’s obviously also a competitive market so you need resilience under pressure.

That’s a big part of what we’re looking to instill. There’s also the importance of diversity and inclusion as well. A thriving company culture is very reliant on those things. My experience of that is some of the best cultures that I’ve ever been a part of really encapsulate every person from around the world.

What are some of the challenges that modern companies are facing in our unique moment in history, both in terms of the people in the organisation and also the context they’re operating in?

Employee engagement and employee wellbeing are at an all-time low. Stress and burnout as well – I think about 42% of employees report feeling burnt out. The economy is losing trillions to Absenteeism as well as Presenteeism – [This is when an employee shows up to work but does not actually work or works less, due to sickness, stress etc]. I recently read a study where 97% of employers think they’re doing a really good job of managing their people, while 69% of employees say they’re experiencing bad managers. Simply put, the current state of workplace culture isn’t sustainable.

I’ve also spoken to a number of senior leaders who are facing difficulty with generational dynamics too, as the new generation comes through. But it comes back to the foundation of building a high performing team, which is trust. If you have trust between one generation and another, then it’s a lot easier to have tough conversations and cohesion.

Obviously, there’s also the AI topic. I’m no expert, but, more and more industries and companies are looking to integrate AI, which is having an impact on people. I know there’s been an enormous amount of redundancies across many industries. Add in economic instability, a certain presidential change… and you create the perfect storm of uncertainty. Regardless of what’s going on though – looking back across my career – in uncertain times, it’s important to do the things you can control, put your best foot forward, and do the basics really, really well.

Do you have any examples of how your programs have impacted organisations you’ve worked with?

We’re now three years old, and we’ve worked with some great companies. HSBC, SoundCloud, Zoom, and more. Our largest client, based in the US, did $10 billion in revenue in 2023, so an enormous company. We did an assessment process with them, and recognised that they were operating in silos. They didn’t have any operational team leadership development for over two years.

They had a fully remote workforce as well, and they suffered a decline in communication skills both internally and at the customer level, so we developed a six-month program with them. We started off with eight people, and after the first session, they came back and decided they were going to put around 250 people through the program. The change we saw from the business was incredible – their numbers of customers increased by 25% in six months, and they achieved a 35% in their employee net promoter score. We’re now working with them to help other areas of their business with performance issues.

We’re very data-driven, and just like the fintech industry, we’re very customer-centric, so we aim for a bespoke approach. Something that applies to one company won’t necessarily apply to others, so we tailor what we offer to get the best results.

Get in touch with James to find out more about The Performance Chain and The 24 Hour Leader programme, which includes learning from world class performance experts, including Wendy Borlabi, Director of Performance and Mental Health at the Chicago Bulls, Dehra Harris, Former Assistant Director of Performance at the Toronto Bluejays and Founder and CEO, Neil Tunnah.

James email is james@theperformancechain.com
You can also find him on Linkedin.

The post From Rugby to Business: A Playbook For Growing Resilient Leaders and High Performance Cultures in Fintech appeared first on FF News | Fintech Finance.

This contributes to the adoption of Alternative Payment Methods (APMs) such as mobile wallets.

As the demand for mobile payments rises across MENA, businesses embrace them to meet customers’ increasing expectations for convenience and security. Payment service providers (PSPs) are at the forefront of this shift. Among them is DineroPay, a burgeoning PSP in the Kingdom of Saudi Arabia (KSA), partnering with Akurateco, a global payment software vendor with a solid footprint in MENA, to deliver cutting-edge mobile payment methods using an on-premises setup.

Meeting the growing demand for mobile payments

The demand for mobile payments in MENA has surged in recent years, reflecting broader global trends. According to IMARC Group, in Saudi Arabia alone, the mobile payments market size reached USD 24.7 billion in 2024. During 2025-2033, IMARC Group expects the market to exhibit a growth rate (CAGR) of 10.3%. 

This rapid growth is fueled by increasing smartphone penetration. McKinsey states that smartphone penetration is 80%-90% across leading markets in the Middle East. Internet accessibility and a shift toward cashless payments also contribute to this.

DineroPay’s mobile payment journey

To address the surging demand for mobile payments, DineroPay collaborated with Akurateco to develop a robust infrastructure supporting mobile wallets. Recognizing the specific needs of the Saudi Arabian market, DineroPay opted for an on-premises setup hosted on Oracle’s cloud infrastructure. Oracle’s cloud environment not only met Saudi Arabian Monetary Authority (SAMA) requirements for hosting payment infrastructure within the country but also offered a suite of Software-as-a-Service (SaaS) tools that streamlined system implementation and ensured scalability. Following the setup, Akurateco enabled DineroPay to integrate Apple Pay and Google Pay, using network tokenization technology for enhanced security and performance.

Introducing network tokenization

Network tokenization is a form of payment card tokenization offered by payment networks such as Visa, Mastercard, and others. It replaces primary account numbers (PANs) and other card details with a unique identifier, called a token, issued by the card brand. It provides enhanced security. Since the real card number is not shared, the token cannot be compromised and used for fraudulent activity.

Before payment can be completed, the network token must be decrypted. Apple Pay and Google Pay token decryption occurs within their systems. Then, card networks like Visa or MasterCard perform token validation, matching the payment data with the original card information. Overall, token decryption and validation heavily rely on specialized services and infrastructure, ensuring the security and accuracy of every transaction.

Implementing Apple Pay and Google Pay for DineroPay

As an integrated and approved payment gateway for Apple and Google Pay, Akurateco offered a comprehensive solution for DineroPay. It encompasses the entire process, from adhering to branding requirements set by Apple and Google to initiating payments from start to finish and generating tokens.

For a payment service provider, there are two ways to support mobile wallets: by decrypting the token at the payment system level or by sending it to a bank for decryption.

       1. Token decryption at the payment system level

This approach enables token decryption directly within the payment platform. In this case, Akurateco’s system handles token generation, decryption, and validation, providing a comprehensive solution for mobile wallet payments. It allows payment providers to process payments faster by routing transactions to the most optimal payment channel without relying on external systems. This approach also reduces dependency on banks’ processing capabilities, enhancing performance and uptime.

       2. Token decryption at the bank level

In this case, tokens are registered with the bank and sent to the bank for decryption, offering a more traditional yet secure workflow. This approach is often preferred by businesses that already have established relationships with banks and wish to keep token handling within their existing infrastructure. It provides additional layers of security by leveraging the bank’s authentication and validation processes while enabling direct processing through banking systems. However, it is limited in routing capabilities, which prevents payment service providers from optimizing approval rates.

With Akurateco’s white-label payment gateway, DineroPay can now seamlessly support both approaches, empowering businesses to select the model that best suits their operational needs.

Leading MENA’s fintech future with mobile payments

DineroPay’s successful implementation of mobile wallets highlights the transformative potential of mobile payment solutions in the region’s fintech landscape. With national initiatives like Saudi Vision 2030 driving rapid digital adoption, businesses that embrace mobile-first strategies will be best positioned to lead the market.

Through its partnership with Akurateco, DineroPay has demonstrated how leveraging modern technologies can deliver scalable, cost-efficient, and compliant solutions tailored to regional demands. As the MENA region continues its digital transformation journey, mobile payments will remain a cornerstone of growth and innovation.

The post Driving Digital Transformation in MENA: How DineroPay and Akurateco Power Mobile Payment Innovation in KSA appeared first on FF News | Fintech Finance.

Over the past few years, several fintechs have closed shop, some after being in business for a very long time. As we look at the years ahead, there’s a paradigm shift in the markets, where neutral rates are expected to be higher. History serves as a reminder to understand why capital-intensive fintechs (whose business model is lending to Main Street in some form) fail and take steps today to ensure a fintech start-up’s longevity.

Lower Pricing is not a Product

Several fintechs in the past decade have built and scaled similar products with lower pricing being the only differentiator. Assuming “lower cost equals product-market fit” is one of the most common mistakes founders make.

Fintechs are most sensitive to rates, and most businesses fail when rates rise unreasonably. However, the recent repricing of rates from 0% to ~5%, while fast, is still not unreasonable from a historical perspective. As inflation started heating up, prudent capital markets fintech teams differentiated themselves from the rest by stress-testing their portfolios and products. They ensured the business could work at higher rates either by passing on the cost to the customer or by partnering with entities that could offer consistently cheaper cost of funds. Those that couldn’t withstand this abrupt rise in rates have succumbed in the past two years.

Liquidity, Liquidity, Liquidity

Lack of liquidity is the single biggest reason why most fintechs and specialty finance lenders fail. A fintech can have everything in place – product, compliance, risk, etc. – but can still fail or be forced into a discounted acquisition or merger if it hasn’t responsibly managed its liquidity. As a general rule of thumb, given the ongoing bout of volatility, it’s prudent to have at least 18-24 months of liquidity to support your operational plans without the injection of any additional capital.

Relying on rapid growth and the expectation of perennial access to funding are common factors that result in fintechs failing. Effectively managing liquidity on a periodic basis and bumping it against roadmap expectations are critical at every phase of the company’s evolution. A common mistake inexperienced startups make is not adapting to the changing dynamics of the market. If the terms for a capital raise (debt or equity) have changed, holding out for those preferable previous terms to come back can lead to a downward spiral if market conditions deteriorate.

It can be painful in the short term to take these steps (i.e., accepting terms that look like you’re giving a bit away to the capital provider), but if it secures your company’s position and provides breathing room, it may be well worth the discomfort in the long term. If the capital isn’t needed, that’s great. But you don’t want to rush for capital when everyone in the market is scrambling for it. Hope is not a strategy. The best you can do is take steps today based on the market information you have at your disposal.

Overreliance on a single form of capital markets

In the past 15 years, two specific black swan events come to mind that caused significant business disruption. The 2008 financial crisis is long forgotten, but credit markets, and securitization markets specifically, froze for more than a quarter. The fintech space didn’t exist then, but most specialty finance lenders that relied heavily on securitization take-outs for continuous refinancings had trouble keeping the lights on.

While COVID might qualify as another such extreme event (since the Fed and Congress came to the rescue), for most fintechs, the sudden uptick in rates and associated financing costs in 2022-2023 has been more painful. In 2021, most fintechs, again, relied on securitization markets for their funding needs, pinned on the false belief that rates would stay low. Fintechs with a robust business model and product mix have since diversified into other forms of funding beyond public securitizations. Both events are a good reminder of what happens if a business fails to diversify beyond a single source of funding.

Role of capital markets and effective risk management

Just like any other business, when a fintech is first started, it’s inherently at its riskiest. However, as a fintech becomes more seasoned – with each passing year, each new product, and the scaling of existing products – the business risk should subside, and the capital markets strategy of the organization should shift to match.

If it were possible to summarize a good capital markets strategy in three bullets, it would be:

• Ensure sufficient liquidity for the business. While the runway might be short at the start, with each passing year, the runway should increase as the fintech stabilizes.
• Periodically model left tail events to determine the overall health of the portfolio, its ability to survive these shocks, and the impact on liquidity/runway.
• As the product scales and new products are launched, look to diversify your sources of funding to reduce counterparty and specific market risk. Look to diversify when times for funding are great – looking for capital when there is no urgency, provides companies not only with negotiating leverage but also the right partner.

Looking Ahead

When times are good, it’s very common to get complacent, and those who got complacent in 2021 were caught off guard. While broader metrics have improved significantly since then, it’s important to be cautious in the next 12-24 months.

A new administration and policies, debt ceiling limit, draining liquidity (as exhibited by declining reverse repo balance and quantitative tightening) coinciding with a refinancing wall across public and private sectors, and atypical rise in long-end yields after Fed rate cuts (reminding us of the UK gilt crisis of 2022) are all headwinds that can snowball individually or manifest turmoil in aggregate. Ensuring capital markets teams are using each tool in the toolbox proactively to navigate any volatility will be key to taking fintech to new heights.

The post Role of Capital Markets in Lending Programs appeared first on FF News | Fintech Finance.

Growth isn’t about throwing money at traditional advertising. It’s about a clever, data-backed, experimental approach to getting your product in front of the right people. Having spent over 20 years helping fintech companies get noticed, I’ve seen what works. Here are some battle-tested tactics to help your fintech company not just survive, but thrive:

1. Turn Your Users into Your Sales Team: Referral Programs

• Sweeten the Deal: People love free stuff or a good deal. Offer a solid reward to the person making the referral and the new user. Think discounts, cash bonuses, or exclusive access.
• Make Sharing a Breeze: Don’t make people jump through hoops. Embed referral links directly into your app and website. Pre-written social media messages are a nice touch too.
• Track, Tweak, Repeat: Keep a close eye on what’s working and what’s not. Which referral sources are bringing in the best users? What rewards are most motivating? Adjust accordingly.
• Look at the Wins: Companies like Robinhood, Revolut, and Coinbase have mastered the art of the referral program.

2. Make Finance Fun: Gamification is Your Friend

• Reward Good Behavior: Think of your app like a game. Award badges, points, or let users level up. A little friendly competition on a leaderboard can’t hurt either.
• Set Personal Goals: Tailor challenges and milestones to each user’s activity. Keep them hooked by making it relevant to them.
• Unlockable Goodies: Everyone loves exclusive content. Offer special features or early access to new stuff as rewards.
• Beyond Fintech: Duolingo proves that gamification can be very effective, use their example to incorporate similar ideas into your fintech company.

3. Become the Go-To Expert: Content is King (or Queen)

• Solve Their Problems: Create content that helps people with their money woes. Become the resource they trust.
• Play the SEO Game: Figure out what people are searching for online related to finance and your niche. Then, create content around those keywords. Get found organically.
• Share Your Wisdom: Write guest posts for well-known finance blogs and websites. Expand your reach beyond your platform.
• Teach and Engage: Webinars and online courses are a great way to educate potential users while subtly showcasing your product’s value.

4. Team Up: Strategic Partnerships Are Golden

• Find Your Match: Partner with other fintech companies that offer complementary services. Cross-promote each other and tap into new audiences.
• Leverage Influencers: Connect with finance influencers who already have the ear of your target audience.
• Play Nice with Others: Integrate your product with popular accounting software, budgeting apps, or e-commerce platforms. Be where your users already are.
• Open the Door with APIs: Build API connections to make it easy for other apps to work with your core service.

5. Show, Don’t Just Tell: The Power of Social Proof

• Let Happy Users Speak: Feature glowing testimonials prominently on your website and marketing materials.
• Numbers Talk: Share impressive stats – user growth, transaction volume – anything that proves your product’s success.
• Social Media Buzz: Encourage users to rave about you on social media. A unique hashtag can help amplify the message.
• Get the Press Involved: Positive coverage in trusted financial publications can do wonders for your credibility.

6. Test, Test, and Test Some More: A/B Testing is Your Secret Weapon

• Website Optimization: Experiment with different headlines, copy, images, and calls to action on your landing pages. Find what converts best.
• Email Mastery: Test subject lines, email content, and send times to boost open and click-through rates.
• App Tweaks: Experiment with different onboarding flows, UI elements, and feature placement to keep users engaged.
• Pricing and Promo Experiments: Figure out the best pricing model and promotional offers through careful testing.

7. Keep Them Coming Back: User Retention is Key

• Smooth Onboarding: Make it ridiculously easy for new users to understand and use your product. Hold their hand through the initial setup.
• Engage In-App: Use in-app messages and push notifications to keep users engaged, offer tips, and announce new features.
• Loyalty Pays Off: Reward your most loyal users with exclusive perks. Make them feel special.
• Be There for Them: Provide amazing customer support. Quickly resolve issues and build strong relationships.

8. The Freemium Hook: Get Them in the Door

• Offer a solid set of features for free. Let users experience the value firsthand.
• Then, upsell them on premium features or higher usage levels.
• Make it clear what they get for free vs. what they pay for.

Growth is a Marathon, Not a Sprint

These tactics aren’t magic bullets. Smart growth is an ongoing process. It’s about constantly experimenting, analyzing the data, learning, and adapting. But if you’re willing to put in the work, these tips can help your fintech company break through the noise, build a devoted user base, and become a major player in the industry. Good luck!

The post Ultimate Marketing Guide for Fintech Companies by Furkat Kasimov appeared first on FF News | Fintech Finance.

‍Why Companies Need End-to-End Whistleblowing Software in 2025 ‍

More than ever, companies need a fully end-to-end whistleblowing software to support effective whistleblowing programs. There are several key reasons for this:

• ‍Meeting Regulatory Compliance Obligations: A compliant system helps your organization adhere to increasingly complex global regulations, such as the EU Whistleblowing Directive, Sarbanes-Oxley, and other industry-specific mandates, avoiding hefty fines and reputational damage.
• Early Identification of Critical Risks: Whistleblowing software enables the early detection of misconduct, fraud, and other critical risks. This allows you to take swift action and mitigate issues before they escalate and cause significant harm.
• Protecting Shareholder Value and Stakeholders: By fostering ethical, compliant, and legal operations, a strong whistleblowing program safeguards shareholder value and demonstrates a commitment to all stakeholders, including customers, partners, and the wider community.
• Enhancing Trust Within Your Employees: A secure and accessible whistleblowing platform empowers employees to voice concerns without fear of retaliation, fostering a culture of trust and transparency within your organization.

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Key Considerations for 2025

Basic features like multiple language options and device compatibility are now standard. Today’s leading whistleblowing solutions offer much more. Here’s what to prioritize in 2025:

• End-to-End Whistleblowing Solutions: Historically, whistleblowing platforms have focused primarily on receiving reports. Moving into 2025, this is simply not enough. Organizations need comprehensive, end-to-end solutions that encompass every feature and function required to manage simple through to complex investigations, from initial report intake to resolution, reporting and ongoing compliance.
• Uncompromising Security and Anonymity: With data privacy concerns at an all-time high, robust security measures are paramount. Look for platforms that offer end-to-end encryption, truly anonymous reporting channels, and strict compliance with global data privacy regulations like GDPR.
• Immutable Audit Trails: Every action taken within the platform should be logged in an immutable audit trail. This ensures complete transparency and accountability, providing a detailed record of the entire case lifecycle that can withstand scrutiny during internal reviews or external audits.
• Intelligent Case Management: The platform should offer intelligent case management features that streamline workflows, automate tasks, and provide investigators with the tools they need to manage cases efficiently and fairly. This includes features like automated notifications, task assignments, deadline tracking, and secure document management.

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To help you navigate this crucial decision, our experts have done the hard work for you. Here are the top 5 whistleblowing platforms that meet our stringent criteria for a truly end-to-end solution:

1. Confide Platform:

Developed with insights from legal, risk, and compliance professionals, and incorporating lessons learned from exposing the Wirecard fraud, Confide is the world’s only truly end-to-end whistleblowing software designed to effectively manage every stage of the process.

Key features include:

• ‍Multiple Reporting Channels: Supports a variety of reporting methods, including online forms, voice recordings, video submissions, and scheduled reports.
• Comprehensive Case Management: Provides a robust suite of tools for every stage of an investigation, including requests for information, interview scheduling with automated transcriptions, and advanced analytics for data visualization.
• Robust Reporting and Dashboards: Offers customizable report templates, interactive dashboards, and self-service analytics to keep key stakeholders informed.
• Secure Collaboration: Facilitates seamless and secure collaboration on cases with both internal and external stakeholders.
• End to End Solution: Confide is the markets only end to end solution, designed to support organisations with every need from the simplest to the most complex of investigations.

‍2. Case IQ:

Case IQ provides a solid foundation for managing investigations with its case management system, making it a valuable tool for organizations seeking to improve their internal processes.

Key strengths include:

• ‍Strong Case Management: Offers a centralized platform for tracking and managing investigations, providing a clear overview of case progress and facilitating efficient workflows.
• Customization and Reporting: Allows for customization of forms and workflows and provides robust reporting capabilities to analyze case data and identify trends.
• Established Solution: A well-established player in the case management space, Case IQ offers a reliable and proven platform for organizations with existing whistleblowing processes.

‍3. EQS Integrity Line:

EQS Integrity Line offers a secure and anonymous channel for whistleblowing, providing a foundational element for a compliance program. While the interface feels somewhat clunky and outdated compared to more modern solutions, it remains a viable option for organizations prioritizing basic reporting functionality.

Key aspects include:

• Secure and Anonymous Reporting: Provides a secure platform for anonymous reporting, helping to encourage employees to come forward with concerns.
• Established European Provider: As a long-standing European provider, EQS has a strong track record in data security and compliance with EU regulations.
• Customizable Workflows: Offers customizable workflows and case management features, allowing organizations to tailor the system to their specific needs.‍

4. FaceUp:

‍FaceUp provides a basic, cost-effective whistleblowing solution suitable for organizations with limited budgets or those prioritizing simplicity over comprehensive features. While its affordability is a key draw, it may not meet the needs of organizations requiring a more sophisticated system.

Key aspects include:

• Limited Functionality: Offers a streamlined feature set focused on core reporting, lacking the advanced capabilities found in more comprehensive platforms such as investigation tools or advanced analytics.
• Basic Interface: The user interface, while simple, may feel somewhat dated and less intuitive compared to more modern solutions.
• Budget-Driven Solution: Clearly positioned as a budget-friendly option, FaceUp may not be suitable for organizations requiring a scalable, feature-rich solution for complex whistleblowing programs.

5. Navex:

‍Despite being one of the largest providers in the market, Navex’s whistleblowing solution suffers from significant drawbacks that can hinder a modern, agile compliance program. The platform is hampered by a dated user interface and, critically, leaves organizations dependent on Navex for even minor customizations, severely limiting their ability to adapt quickly to evolving risks. While the platform has it’s negatives, the extensive database does allow for comprehensive data reporting capabilities, something that can be of use to larger organisations.

Key features include:

• Industry Benchmarking: Navex’s large client base and extensive data allow for valuable industry benchmarking, a feature particularly useful for larger enterprises seeking to compare their performance.
• Comprehensive, But at a Cost: While Navex does offer a wide range of features, this comes at the cost of user-friendliness, agility, and often, a hefty price tag.
• A Well-Established Brand: Navex’s long-standing presence in the market provides a sense of security for some, though this should not be mistaken for innovation or adaptability.

The post Best Whistleblowing Software 2025 appeared first on FF News | Fintech Finance.

Cosmin Panait, co-founder of Blackbridge Investment Group (BIG) and Managing Partner at GenCap Management, advocates for a different solution: revenue-based financing (RBF). This innovative funding model is designed to help companies grow sustainably while keeping control in their hands.

“Revenue-based financing is a game-changer for businesses,” Panait explains. “It doesn’t saddle companies with rigid repayment schedules or require giving up equity. Instead, it adapts to how the business performs, linking repayments to revenue.”

What Is Revenue-Based Financing?

RBF is a flexible way for companies to access growth capital. Instead of a lump sum loan or equity stake, companies commit to sharing a percentage of their future revenues until a specific repayment goal is met. It’s a non-dilutive option, which means founders can keep control of their business while repayments adjust based on how much the company earns each month.

“RBF works by aligning with a company’s success,” Panait says. “When revenues go up, repayments rise. If revenues dip, payments decrease. It’s a lifeline for businesses with seasonal sales or those experiencing rapid, uneven growth.”

Real-World Examples: How RBF Fuels Growth

Many companies have successfully leveraged RBF to achieve sustainable growth without compromising ownership or cash flow. Here are three notable examples:

1. Boosting Valuation Before Equity Rounds: Doctor.com

In 2016, the healthcare tech company Doctor.com utilized RBF to enhance its sales and marketing efforts before a Series A funding round. This led to a significant increase in monthly revenue, putting the company in a stronger position to negotiate favorable investment terms.

2. Scaling Sales and Marketing: Shock Surplus

Automotive parts retailer Shock Surplus used RBF to purchase inventory directly from wholesalers. This strategic move resulted in multi-million-dollar annual revenue growth while allowing the founders to retain control of the company.

3. Managing Seasonal Demand: An E-Commerce Story

An e-commerce company with seasonal revenue spikes used RBF to stock inventory ahead of peak sales periods. The repayment structure allowed them to meet holiday demand without straining their budget, paying back the funds in proportion to their high-revenue months.

“These examples highlight RBF’s ability to adapt to each company’s unique growth patterns,” Panait notes. “It’s particularly well-suited for businesses that need agility and scalability.”

Why Revenue-Based Financing Is Gaining Momentum

The appeal of RBF is growing across industries, from e-commerce and SaaS to businesses with predictable revenue streams. According to Panait, RBF is the future of efficient, scalable financing. “At Blackbridge Investment Group, we’re committed to helping companies grow on their terms. RBF respects founders’ ownership while offering the financial flexibility they need.”

Industry leaders echo this sentiment. Miguel Fernandez, CEO of Capchase, states: “Companies are searching for funding methods that avoid equity dilution and restrictive debt. RBF is that solution.” Similarly, Clearco CEO Andrew D’Souza says: “Founders are increasingly drawn to non-dilutive capital options. RBF allows them to scale efficiently without giving up ownership.”

A Vision for the Future

With advocates like Cosmin Panait leading the charge, revenue-based financing is emerging as a powerful tool for companies seeking flexible growth solutions. By aligning capital with natural revenue cycles, RBF enables businesses to maintain control while scaling sustainably.

“At Blackbridge Investment Group, our goal is simple: to support businesses in achieving their vision—on their terms,” Panait concludes.

The post Cosmin Panait on Revenue-Based Financing: A Smarter Way to Fund Growth appeared first on FF News | Fintech Finance.

This year’s discussion was moderated by Ryan Woods, co-host of the Get Started Podcast and features the following fintech experts:

• Alex Mifsud, CEO & Co-Founder of Weavr
• Matt Bird, CEO & Co-Founder of Lemon
• Tamas Kadar, CEO and Co-Founder of SEON
• Thomas Müller, CEO and Co-Founder of Rivero
• Luke Trayfoot, CCO of Brite Payments
• Kimberley Waldron, Managing Director of Started PR

Ryan Woods: “Thanks so much for joining us today. This is a really heavyweight panel and I’m very excited to hear your takes on the coming 12 months. Matt, if it’s ok I’d like to start with you and ask for your general thoughts on the next year.”

Matt Bird: “Amid ongoing economic uncertainty and a prolonged funding downturn, I anticipate that 2025 will see more fintechs prioritise capital efficiency while harnessing AI tools to enhance their value propositions. Advancements in AI will provide companies with greater opportunities to challenge established players in major markets, driving increased competition and accelerating innovation. In a similar vein, fintechs are likely to centralise every aspect of where they spend, be that SaaS programmes or business tools.”

Ryan Woods: “Accelerating innovation is undoubtedly exciting. Many recent developments in fintech seem centred around enhancing speed and efficiency. Luke, would you say this is a key theme in the payments landscape as we approach 2025?”

Luke Trayfoot: “Yes certainly. As consumers and merchants increasingly prioritise speed and efficiency, the demand for faster payments will rise and they must effectively meet these expectations. Instant payments are becoming more widespread, and in 2025, Pay by Bank payment solutions will be more widely used to keep up with the changing trends. Instant payments help merchants access funds quickly and provide better cash flow management during critical sales periods. Consumers, in turn, benefit from a more seamless and instant shopping experience, a feature that is becoming more necessary, especially in eCommerce.”

Ryan Woods: “Let’s focus on AI, which has been one of the biggest trends of the past year. Tamas, you are deeply involved in that space – how are things going to evolve moving forward?”

Tamas Kadar: “AI is still in its infancy, excelling in specific areas but falling short of being universally reliable. Current systems prioritise fluency over accuracy, which limits broader utility. As AI improves, it could revolutionise industries to such a degree that global workforce dynamics shift, reducing the need for human labor in many sectors.

A future where AI autonomously battles other AI systems raises profound concerns. As bots outpace human comprehension, businesses, industries and consumer experiences could be shaped by decisions we barely understand. The psychological and operational impacts of these autonomous systems could redefine the human role in decision-making and trust in technology.

Trust in AI is fragile. Historically, AI models have failed spectacularly, reinforcing skepticism. If AI is embedded into critical infrastructure too quickly and fails, it could lead to catastrophic outcomes reminiscent of economic crashes. Ensuring human oversight and building robust safeguards is critical to mitigating such risks.”

Ryan Woods: “It seems like a pivotal moment for that field of development. I wonder if there are any other areas of fintech that may see similar change in the next year?”

Alex Mifsud: “I think there is. In 2025, new BaaS models and BaaS alternatives will resolutely replace old BaaS. Most, even the more established legacy BaaS players, are still far from profitable and have been saddled with increasing costs of compliance – we might even see failures or fire sales. Compliance-by-design alternatives are ready to step in to take their place.

Another swathe of regulations will hit financial services innovators, from the passing of PSD3 (Open Finance) to ‘operational resilience’ obligations such as DORA and its equivalent in the UK. Crypto regulation will continue apace, with the first MICA licences for crypto firms rolled out in Europe, and stablecoin regulation in the UK. All this while regulators will come under increasing political scrutiny on whether they are properly balancing enabling competition, innovation, inclusion and safety.

On a more positive note, 2025 may well herald the welcome return of headline grabbing fintech initial public offerings (IPOs). The pre-IPO waiting room is getting crowded, and in the company of Klarna, Revolut, Stripe and others to name a few.”

Kimberley Waldron: “I strongly agree with that latter point. Personally, I’m expecting to see a significant rise in fintech IPOs, with many occurring in the UK. This surge is likely to be driven, in part, by the London Stock Exchange’s (LSE) recent reforms, which aim to simplify the listing process and enhance the UK’s attractiveness as a destination for public listings.

These changes are expected to encourage a diverse range of fintech companies, including emerging startups and mid-sized enterprises, to go public. The big question, however, is whether these reforms will be enough to convince Revolut, widely anticipated to have one of the biggest IPOs in history to list in London.

Regardless, the anticipated influx of IPOs reflects the sector’s maturity and the growing investor confidence in fintech innovations. This trend is likely to inject fresh dynamism into the UK’s financial markets, offering investors a broader spectrum of opportunities within the fintech landscape, which is great news for all.”

Ryan Woods: “That will be an interesting one to watch, let’s hope you’re both right. Thomas, I want to finish with you – what are the biggest trends you’re tracking ahead of the new year?”

Thomas Müller: “Financial institutions need to determine how to differentiate themselves moving forward—with digital payments here to stay and alternative payment methods popping up every week – they also need to focus on what consumers will demand from them in terms of their consumer protection rights. We foresee that with PSD3 and all other evolutions in the payments industry, the winners in payments will be those that can provide the frictionless experience that consumers demand, also when things go wrong with a modern approach to dispute management. This means the financial institutions focus on ‘Self-Service’ of their dispute management saving them time, money and increasing customer loyalty and satisfaction with the FI, resulting in top-of-wallet position for their payment product and increasing transaction volume.”

Ryan Woods: “One thing is clear—2025 promises to be another transformative year for the sector and its interconnected industries. Thank you all for joining us today and sharing such insightful perspectives.”

The post Leaders’ Roundtable: What’s in Store for Fintech in 2025? appeared first on FF News | Fintech Finance.