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Fintech has left ATMs in the dust

Financial institutions aren’t typically known for their scrappy agility. Between legacy systems, overhead concerns, and the high bars of regulatory and security compliance, banks and other financial service providers have historically been slow to embrace technological innovation. Fintech is changing all that.

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Once the stuff of nimble startups, fintech is now essential to established institutions. It enables finance that’s strong, scalable, and secure, and it’s an integral part of how we bank, invest, pay, shop, and do business.

Whether it’s through mobile apps or blockchain, fintech delivers change that is more cost-effective, more secure, and quicker than business as usual. In our work consulting and developing custom financial software, we’ve seen use cases for cutting-edge fintech solutions that range from financial deal management to pet wellness to solar.

Our  takeaway? The best fintech engineers think in and outside of the financial services world — and its security needs. They’re constantly weighing potential vulnerabilities and building software with powerful protections.

What’s inside

What does fintech look like for innovative startups? What about for enterprise institutions? Our comprehensive guide to fintech has something for every business, including our breakdown of the industry’s unicorns, the latest news on emerging solutions, and essential context on how technological innovation is unlocking a financial future that is more nimble, personalized, and secure.

01
What is fintech?
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Fintech unicorns
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First steps
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Blockchain in fintech
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Digital transformation
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Big data
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Emerging tech
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01
Fintech goes way beyond banking

If fintech seems confined to financial services like banking, lending, and real estate, it’s time to think bigger.

With applications across use cases, fintech empowers streamlined, enhanced, and even automated financial services across industries, from a retailer’s online payment gateway to a startup’s branded debit cards. That big picture understanding of what fintech can do, regardless of the industry, can underpin strategic growth for your company.

02
Let’s get straight to the point

Fintech holds claim to the most unicorns by sector, but this legendary herd took a hit in 2022 along with the rest of the industry. We break down the who, what, and where of fintech unicorns to help you better understand the innovation and investment happening now in financial technology.

From exploring fluctuations in funding to how fintech unicorns weather market turbulence, our report combines extensive statistics, deep analytics, and expert insights that you can take to the bank.

Fintech unicorns: Facts and figures

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While unicorns might not be what they used to be and economic uncertainty caused a pullback in funding, the data still reflects some good news.
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Your first steps in fintech

Founding any startup requires dedication, technical grit, and a bit of luck. For burgeoning fintechs, though, a clear-eyed understanding of the financial landscape can’t be dismissed.

Building your product requires not just software expertise, but an adherence to regulations and compliance standards wherever you plan to operate. If you need a primer, we’ve got you covered.

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#Fintech #Startups
When one mistake can cost millions in penalties, adhering to the rules is a must. Start by building your knowledge of the regs and then bake compliance expertise into building a solution.
Nov 9, 2022
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#Fintech #Development
Besides being outstanding coders, fintech devs must know the products, regulatory concerns, and security risks the financial world deals with every day.
Aug 17, 2022
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#Fintech
When you need to build a solution that distinguishes you from your competitors, best practices matter — but there’s plenty of space to innovate and capture the market.
Nov 22, 2022
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#Fintech
Financial technology products are incredibly demanding to build. Stay ahead of the curve with a product growth strategy that leverages all the tools — and talent — available to you.
Nov 18, 2022
04
New kids on the blockchain

Distributed ledger technology has the potential to revolutionize the way we manage assets and make payments, but the characteristic volatility of crypto markets has put some of that hype on ice. Nevertheless, enterprise financial institutions and fintech startups alike have embraced this emerging tech, finding use cases and novel applications across the industry.

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How blockchain is changing fintech

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Blockchain is reordering finserv trade models. From radicalizing industry tech development to new investment trends, there's a new kid on the financial block.
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Now is the time to add a crypto payment gateway

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Giving your company another way to earn money is smart — and easier than you might think.
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Modernized financial operations

The leaders of banks, insurance companies, and other financial institutions must be prepared to help lead digital transformations that leverage the latest and greatest in fintech.

Fortunately, on the other side of that transformation are automated workflows, accessible data, and reduced clutter — all of which prime businesses to be profitable years into the future.

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#Fintech
Want to know about some new ways how digital transformation is changing the insurance industry?
Dec 8, 2021
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#Fintech
As traditional banks are now facing more competition than ever before with the rapid rise of digital startups in the fintech space, let's have a closer look at the key areas of digital transformation in banking.
Aug 30, 2021
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#Fintech
Digital transformation has been reshaping the way whole industries are doing business and the insurance industry is no exception.
Sep 17, 2021
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#Cloud #Fintech
Cloud computing in financial services is driving industry change faster than ever. It opens up the playing field, democratizes powerful solutions, and accelerates innovation in a positive feedback loop.
Jun 7, 2022
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#Fintech
As tech like Natural Language Processing and self-learning smart algorithms increasingly become the norm, democratization of retail investing creates new opportunities.
Dec 1, 2022
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Adding a few more 0’s

Financial institutions have access to an enormous volume of customer data — and it’s only growing larger with every swipe, tap, and deposit. By leveraging big data for deep personalization and intelligent analytics, your business can uncover critical insights, inform decision-makers, and drive long-term growth.
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#Data Science #Fintech
Now that banks and financial institutions have the capabilities to capitalize on big data, what are some of the ways it is being used?
Sep 13, 2021
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#Data Science #Fintech
From fraud detection to AI stock trading, new analytics have changed the financial world. Smart companies in the financial sector are cashing in.
Sep 16, 2022
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#Fintech
Chance is an outdated concept when it comes to the stock market — particularly when data analytics solutions are robust.
Apr 11, 2022
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#Data Science #Fintech
Companies lose about 5% of annual revenue to fraud. Luckily with machine learning and data science technologies, it’s easier to detect and prevent fraud.
Apr 28, 2022
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Yesterday’s cash, today’s cachet

The fintech applications coming into the industry go way beyond slick CRMs and cloud-based software. Advanced AI and other emerging technologies are disrupting and transforming the sector.

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Neural networks make boosting trading strategies and conducting ongoing analysis way easier. Here are the details behind the magic of "the machine mind".
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In this post, we will look at some of the ways in which AI is revolutionizing the financial services sector.
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As tech like Natural Language Processing and self-learning smart algorithms increasingly become the norm, democratization of retail investing creates new opportunities.

Fintech futures

Market turbulence and heightened consumer expectations have spurred financial services to modernize and streamline processes. With solutions that hasten, automate, and ease financial operations, companies both in and outside of financial services stand to benefit.

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