From Financial Inclusion to Financial Health: Addressing the Fundamental Barriers to Financial Inclusion – Part 2

April 27, 2017    By : Isabella Carvalho Silva

Customers should have tools and an offline network that enable them to connect to an online financial services platform in an affordable way. They should also respond to a fundamental requirement: legally exist. Tools Mobile ownership is widespread among most

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The Tumultuous Rise of Ripple’s XRP

April 27, 2017    By : Aman Trivedi

Ripple, the global settlement network operator for banks, recently released the XRP Markets report for Q1 2017 which analyzes the market activity in XRP, an independent digital asset native to the Ripple Consensus Ledger (RCL). Like many other non-bitcoin cryptocurrencies,

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From Financial Inclusion to Financial Health: A Technological Journey to Social Transformation – Part 1

April 26, 2017    By : Isabella Carvalho Silva

Carla walked alone on a cold Friday night. She was relieved: it was payday. With her salary in her purse, she made plans: pay rent, buy food and – if there was any money left – bring her three children

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Merchant Onboarding and Tighter KYC Norms: This Startup Has a Solution

April 26, 2017    By : Diwakar Mandal

As a part of their digital payment initiative, the Government of India has set a target for the installation of 5.5 million point-of-sale (POS) machines by September 2017. AP Hota, MD and CEO of NPCI recently said, “Now it is

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The PSD2 Final RTS: 10 Things You Need to Know

April 25, 2017    By : Tom Hay

The European Banking Authority (EBA) has published its ‘final’ draft Regulatory Technical Standards (RTS) on Strong Customer Authentication (SCA) and secure communication under PSD2. PSD2 and, particularly, the SCA aspect has the potential to dramatically change not just the payments

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FinTech Conferences Are Broken

April 24, 2017    By : Leigh Gilmore

“The conference model is broken,” he says, dismissively. I roll my eyes so hard I think I might have permanently flipped them in their sockets. It drives me crazy when people say conferences don’t work, that conferences no longer work.

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Is the Glass Half Empty or Half Full?

April 24, 2017    By : Mehul Desai

At the turn of the 20th century, less than 10% of US households owned a stove, or had access to electricity, or had a phone. It took more than 50 years for all three to achieve around 90% coverage. It

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FinTech Week in Review: AI, Risk, and Blockchain

April 23, 2017    By : Patrick Rivenbark

We’re FinTech infovores here at Let’s Talk Payments so it’s not surprising that we come across a lot of great content. So we thought instead of us just passing these great articles around in our Slack channel, we’d share them

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Saving vs. Spending: The Opportunities for FinTech Startups

April 22, 2017    By : Artashes Vardanyan

An atomic blast is happening in retail banking where technology is helping people to take care of their personal finances in a painless way (e.g.: setting household budgets, controlling daily expenses, providing tips on savings, etc.). Nonetheless, lots of articles

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Navigating the Maze of Blockchain Consortia

April 20, 2017    By : Aman Trivedi

We have always asserted that blockchain is an ecosystem-level technology that stands to bring about cost-related and operational efficiencies in interconnected systems, an exchange, for instance, perfectly fits the bill. We have come across three general approaches that enterprises consider

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