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fintech

A collection of 16 issues

Evaluating ‘Free’ Trading Apps: Payment for Order Flow Explained

Introduction Zero-commission trading has exploded in popularity thanks to sleek mobile apps that promise retail investors the ability to buy and sell stocks “for free.” From college students dabbling in the market to experienced traders looking for low costs, millions have flocked to these platforms. If there are no ticket

Responsible Buy-Now-Pay-Later Usage: Avoiding Fees and Pitfalls

Introduction: The Rise of Buy-Now-Pay-Later Buy-Now-Pay-Later (BNPL) services such as Afterpay, Klarna, Affirm, and Zip are transforming the way shoppers pay for everything from clothing to electronics. With a few taps, you can split a purchase into four interest-free installments and walk away with your product today. The model sounds

What Is a Qualified Leads List in FinTech Sales?

Introduction: The New Currency of FinTech Sales In the fast-moving financial technology sector, growth hinges on the precision of your prospecting efforts. Cold lists with thousands of random contacts no longer move the needle. Instead, revenue teams depend on a highly curated asset known as a qualified leads list. Understanding

Intro to FinTech Banking: Neobanks vs Traditional Banks

Introduction The fusion of finance and technology has given birth to a new era of banking that operates at the speed of the internet rather than the pace of a paper-based branch network. Terms such as “FinTech banking,” “digital wallets,” and “neobanks” are now part of everyday vocabulary, yet many

Intro to Robo-Advisors: Hands-Off Investing for Busy People

Introduction: Investing on Autopilot Finding the time to research stocks, rebalance portfolios, and monitor economic news can feel impossible when you are juggling work, family, and a social life. Yet ignoring your long-term financial goals is not an option. Enter the robo-advisor: an online platform that automatically builds and manages

Crowdlending vs Crowdfunding: What’s the Difference and Which Is Best for You?

Introduction The rise of fintech platforms has transformed the way individuals and businesses raise money. Two of the most talked-about models are crowdlending and crowdfunding. While they sound similar, they serve different purposes, follow distinct mechanics, and carry unique benefits and risks. In this article, we’ll break down what

Intro to Micro-Investing Apps: Turning Spare Change into Assets

Introduction: The Rise of Micro-Investing Until recently, building an investment portfolio usually required hundreds or even thousands of dollars up front. Enter micro-investing apps—mobile platforms that let anyone start investing with pocket change. By funneling as little as a few cents at a time into diversified funds, these apps

Intro to Peer-to-Peer Lending: Risks and Rewards for Retail Investors

Introduction For decades, consumer and small-business credit was the exclusive domain of banks and credit unions. The rise of financial technology, however, has cracked that monopoly wide open. Peer-to-peer (P2P) lending platforms now match borrowers directly with individual investors, promising attractive yields for savers while offering faster, sometimes cheaper, loans

What is Know Your Customer (KYC) and Why It Matters for Businesses

Understanding Know Your Customer (KYC) Know Your Customer (KYC) is a regulatory and compliance process that requires financial institutions and other regulated entities to verify the identity of their clients before establishing a business relationship. The goal is to prevent money laundering, terrorist financing, fraud, and other illicit activities by

High-Frequency Trading (HFT): Speed Meets Strategy

What Is High-Frequency Trading? High-Frequency Trading (HFT) merges lightning-fast computers with sophisticated algorithms to execute thousands of stock, futures, and currency orders in fractions of a second. Once a niche tactic for elite hedge funds, HFT now shapes daily liquidity, bid-ask spreads, and volatility across global financial markets. Understanding the