Fintech in the eyes of Marcel Klimo: Personal identity, embedded finance, & privacy

Personal identity: Bringing control and enjoyment to finance No two humans are the same, and FinTechs are beginning to reflect this through revolutionary offerings. One of our clients, Hong Kong-based Mox, gives its customers personalized insights on their spending. Another client from Europe, Doconomy, is literally changing the world by empowering the climate-conscious to understand … Read more

Open banking: Europe’s government-led supercharger for financial services innovation

It’s almost unfathomable to business owners that governments could be drivers of innovation. And yet, open banking is proof that it’s possible: since open banking APIs launched in October 2018, they have supercharged the innovation of financial services across Europe. Open banking APIs mean that banking data is no longer hidden inside proprietary systems. Now, … Read more

New opportunities for the underbanked have arrived!

Full transcript of the episode is available here. Do you remember what transactions were like before internet banking? They were expensive, took multiple days to transfer, and had to be done directly from bank branches. But for some communities in 2021, this is still the norm. Internet banking isn’t available in countries like Nigeria. In addition, … Read more

COTI’s Debit Cards Program Update: Details, Costs and Benefits

COTI Aug 6 · 2 min read As COTI’s bank account and VISA debit cards’ release is just around the corner, we feel it is a good time to let you know more about it. Here are some of the unique advantages of COTI’s VISA Debit Cards program: Your friendly bank account Having a COTI … Read more

What if everyone is a FinTech? — The meteoric rise of embedded finance

Embedded finance is about taking products that are traditionally thought of as being banking services — such as checking accounts, loans, insurance and more — and abstracting them into a service package that any company can offer as an additional revenue stream to their customer base. Soon enough, nearly every aspect of traditional banking will become … Read more

Open banking: A ripe opportunity

Full transcript of the episode is available here. “For many years, banks told us how to deal with them. They said, ‘if you’re going to deal with our bank, you’re going to go to our brunch. You’re going to ring our telephone number. You’re going to use our digital channel and you’re gonna use our paperwork.’ … Read more

VENT — MELD Finance Partnership

MELD Labs and Vent Finance are proud to announce our strategic partnership to work towards and be leading contributors in creating a DeFi ecosystem on the Cardano blockchain. Working together we will be building tools and products that support the DeFi protocols on the Cardano ecosystem and other blockchains while assisting in bringing new concepts … Read more

VENT — MELD Finance Partnership

MELD Labs and Vent Finance are proud to announce our strategic partnership to work towards and be leading contributors in creating a DeFi ecosystem on the Cardano blockchain. Working together we will be building tools and products that support the DeFi protocols on the Cardano ecosystem and other blockchains while assisting in bringing new concepts … Read more

Embedded finance: a win-win for both customers and banks

Full transcript of the episode is available here. Fintech has a new target in its sights: routine business admin. Many businesses continue to spend significant amounts of time on recurring tasks that, until now, have required interactions with financial institutions. We sat down with Nick Keller, CEO of tomato pay, and Kevin Stefton, co-founder of … Read more

Why smart contracts aren’t so smart

Full transcript of this episode is available here. After a basic introduction to the crypto world and an explanation of its most-used terms, we are here again for a second crypto episode! David Stancel, our cryptocurrency expert here at Vacuumlabs, and CTO at Fumbi, returned to join Banking on Air host Helene Panzarino. This time, they … Read more