ai
How AI is Changing Banking: 5 Things You'll Notice as a Customer
How AI is Changing Banking: 5 Things You'll Notice as a Customer You're at a coffee shop in Seattle — a city you&
Articles
In-depth coverage of payments, banking, crypto, AI, and careers in fintech.
ai
Machine Learning Explained for Finance Professionals
Machine Learning Explained for Finance Professionals Introduction The phrase "machine learning" comes up in every fintech meeting, every vendor demo, every job description. Product
ai
What is AI in Fintech? A Plain-English Guide
What is AI in Fintech? A Plain-English Guide You probably interacted with AI in financial services before you finished your first cup of coffee today. Your
careers
How Fintech Startups Get Licensed: A Country-by-Country Guide
Getting a fintech license is one of the most consequential decisions a founder can make. Whether you're building a payments product, a neobank, or
careers
Fintech Product Manager: Role, Skills, and Salary in 2026
Shipping a feature at a consumer app startup means updating a config file and watching the dashboard. Shipping a feature as a fintech product manager means
payment-systems
How Visa Processes a Transaction in Milliseconds
How Visa Processes a Transaction in Milliseconds Every time you tap, swipe, or click "Pay" with a Visa card, a message travels across VisaNet
careers
Top 50 Fintech Companies to Work For in 2026
If you're evaluating where to take your next career step, the top fintech companies in 2026 span a wider range than ever — from profitable
payment-systems
The Anatomy of a Wire Transfer: From Initiation to Settlement
The Anatomy of a Wire Transfer: From Initiation to Settlement A wire transfer sounds simple: you tell your bank to move money to someone else, and
careers
How to Get Into Fintech: The Complete Career Guide
Fintech is now one of the fastest-growing sectors in the global economy, and the demand for talent has never been higher. If you have been wondering
payment-systems
BNPL Explained: How Buy Now Pay Later Actually Works
BNPL Explained: How Buy Now Pay Later Actually Works Buy Now Pay Later, or BNPL, processed over $300 billion in global transaction volume in 2023 — and
payment-systems
Payment Gateway vs Payment Processor: What's the Difference?
Payment Gateway vs Payment Processor: What's the Difference? Ask most people what happens when they tap their card to pay for coffee, and they&
payment-systems
How Cross-Border Payments Work (And Why They're So Slow)
How Cross-Border Payments Work (And Why They're So Slow) You want to send $1,000 from your US bank account to a friend in
payment-systems
Real-Time Payments (RTP) Explained: How Instant Transfers Work
Real-Time Payments (RTP) Explained: How Instant Transfers Work Real-time payments allow money to move instantly between bank accounts — 24 hours a day, 7 days a week,
payment-systems
SWIFT vs SEPA vs UPI: Global Payment Networks Compared
SWIFT vs SEPA vs UPI: Global Payment Networks Compared If you've ever sent money abroad, you've encountered SWIFT. If you live in
payment-systems
How ACH Payments Work: A Complete Guide
How ACH Payments Work: A Complete Guide ACH payments move more money than any other payment system in the United States. In 2023, the ACH network
How does digital payments work?
In this article, we will cover the basics of the credit card processing industry. We will review various components and how they are inter-connected and list
Basics
What are Search Funds,SPAC(special purpose acquisition company) and SPE?
"Entrepreneurship through acquisition"(eTA) is a model wherein entrepreneurs buy businesses that have proven product-market fit and generating revenue. Why would someone sell a
Basics
GameStop and Short Squeeze
Background Most of you may already be aware of the episode with GAME STOP (NYSE: GME) stock ,which is now all over the news. The sequence
Google
Regulation in Fintech - Use case : Rise of fraudulent lending apps in INDIA
Regulations are essential for fundamental institutions in society, such as banking. Each country's government must walk a fine line between too much regulation ( too
Economics
China 2020-Stagflation to Growth
Last year, just before the onset of the global pandemic, I wrote an article about stagflation [https://fintekcafe.com/stagflation/] (a good read on GDP). There
What is Card Not Present (CNP) Transaction?
In an earlier post [https://fintekcafe.com/what-is-card-present-cp-transaction], we reviewed the Card Present(CP) [https://fintekcafe.com/what-is-card-present-cp-transaction] transaction. In the current post, we will review
Basics
What is Card Present (CP) Transaction?
In this post, we will review the Card Present(CP) transaction. Let us say you have a credit card issued from your bank, and you go
Basics
Contact less Payments - QR Code
Background QR (Quick Response) found its origin in Japan to overcome the limitation of Barcodes. Barcodes solved a significant problem in retail cash registers wherein the
Google
Mobile Payments - Parking
In this post will cover some basics of Mobile Payments related to Parking Tech using recent Google Maps partnership announcement. Google recently(Sep 2020) announced a
Basics
Stagflation
Basics of stagflation,GDP,Nominal GDP,Real GDP,Inflation,deflation,hyperinflation,disinflation
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Deep analysis and expert insights for Pro members.