Pionr’s Post

The Fintech Enablement Platform Pursuing an embedded finance or fintech strategy requires most financial institutions to deploy new technology infrastructure, specifically, a fintech enablement platform that acts as a central nervous system for digital financial products and services. A fintech enablement platform helps reduce complexity and accelerate the launch, servicing, and expansion of financial solutions. Fintech enablement platforms include prebuilt and modifiable: 1) product definitions and servicing capabilities, 2) data models that sit on top of existing data sources, 3) customer journeys that make use of embedded automation, 4) SaaS ecosystem connectors that are orchestrated in customer journeys and bring external innovation into the mix, and 5) maker tools that allow non-technical resources to create, service, and update solutions. Source FintechOS #embeddedfinance #fintech #digitalwallets Monica Jasuja Nafis Alam Alex Jimenez Marcel van Oost Nicolas Pinto Efi Pylarinou Enrico Molinari

Can Fintech go beyond our expectations? Undoubtedly, the influence of fintech on various industries often remains underestimated. This Forbes article delves into the realm of embedded Finance and its profound potential to revolutionize operational efficiencies across a multitude of sectors. A prime example highlighted is the utilization of virtual cards, offering drivers a streamlined method to cover unforeseen expenses promptly via their mobile devices, thereby expediting vehicle repairs and minimizing downtime. Such instances underscore fintech's dual role in broadening financial horizons and simplifying processes like lending, thereby making financial transactions more accessible and convenient for businesses. Witnessing the transformative impact of fintech is truly remarkable, with its continuous evolution expected to bring even greater benefits to individuals and businesses worldwide. #Fintech #Finance #EmbeddedFinance

The emergence of FinTech marketplaces has shown an impact on traditional financial services and their role in driving sector growth. There is a transformative force behind these platforms, fostering innovation, promoting financial inclusion, and setting the stage for a customer-centric future Curious to explore how a FinTech marketplace can benefit your business? 💡 https://zurl.co/fSRY #FinTech #Innovation #Growth

The emergence of FinTech marketplaces has shown an impact on traditional financial services and their role in driving sector growth. There is a transformative force behind these platforms, fostering innovation, promoting financial inclusion, and setting the stage for a customer-centric future Curious to explore how a FinTech marketplace can benefit your business? 💡 https://zurl.co/fSRY #FinTech #Innovation #Growth

🚀 Revolutionizing Finance with Fintech Innovations! 🌐 The fintech world is buzzing with groundbreaking innovations that are reshaping our financial landscape. From enhancing customer experiences to streamlining operations, these tech advancements are not just trends but pivotal changes in the industry. How do you see these innovations impacting your business or personal finance? Are there any fintech solutions you can't imagine living without? Let's dive into a discussion about the future of finance and technology. Share your thoughts and experiences! 💡 https://lnkd.in/d-9fyjbz #Fintech #FinancialInnovation #TechTrends

The Fintech Enablement Platform Pursuing an embedded finance or fintech strategy requires most financial institutions to deploy new technology infrastructure, specifically, a fintech enablement platform that acts as a central nervous system for digital financial products and services. A fintech enablement platform helps reduce complexity and accelerate the launch, servicing, and expansion of financial solutions. Fintech enablement platforms include prebuilt and modifiable: 1) product definitions and servicing capabilities, 2) data models that sit on top of existing data sources, 3) customer journeys that make use of embedded automation, 4) SaaS ecosystem connectors that are orchestrated in customer journeys and bring external innovation into the mix, and 5) maker tools that allow non-technical resources to create, service, and update solutions. Source FintechOS #fintech #saas #payments Nafis Monica Marcel Ali Nicolas Brice Florian Grant Arjun

Join us as we dive into the eye-opening journey of fintech. Discover how Codesy Consulting navigates the challenges and opportunities of digital transformation, empowering businesses to thrive in this dynamic environment. #Fintech #DigitalTransformation #CodesyConsulting Read more on: https://lnkd.in/eR8aT3vJ

What’s hot in fintech: VCs and founders speak at the Fintech Meetup. Fintech VC investments were down in 2023 with 2,082 deals and $35.2bn, -31% and -42% relatively to 2022. Starting 2024, a public tech market rally and some large upper rounds give us some hope that the fintech trough is behind us or close. Some fintech green shoots were spotted from a round of interviews with VCs and founders in the Fintech Meetup last week in Vegas. I highlight 5 of them. Feel free to add others I have missed. -       Embedded finance: monetization of financial services to the customer base of marketplaces, retailers, accounting SW, ERPs, payroll SW. -       Instant payments: low cost, convenient, risk-free payment alternative to legacy payment rails. -       Cross border payments: low cost and instant payments for borderless commerce and payroll. -       B2B payments: corporate expense management, A/R invoice collections, A/P bill payments, revenue-based financing.   -       Financial AI: proprietary data trained models for fraud prevention, customer acquisition, cross-selling and retention, underwriting and collections.

💡 Building a fintech product? Don't skip the discovery phase! 🚀 Fintech innovation moves fast, and getting your product right from the start is crucial. But how do you ensure you're building something your market actually needs? In our latest blog post, we dive into the 5 critical factors you must consider during product discovery to avoid costly mistakes and maximize your chances of success. From customer validation to compliance challenges, we've got you covered. 🔗 Ready to take your fintech product to the next level? Read more here: https://lnkd.in/eyJw9-P4 #Fintech #ProductDiscovery #Innovation #FintechStrategy #StartupJourney #dlabs

Back in 2021, I wrote about one of my previous obsessions, the FinTech Pursuit of Financial Well-being 🌐 I thought I repurpose this content for the next generations of Fintech pals. As technology continues to revolutionize our lives, with FinTech investments soaring globally, the Personal Financial Management (PFM) segment still seeks critical success. Consumer finance, encompassing retail banking and PFMs, garnered 30% of 2020's investments, accumulating $70 billion in a decade. However, most funding went to neobanks and superapps, leaving PFMs striving for prominence. PFM applications, like Mint, aimed to empower users in finance management, yet faced limited success. Challenges include insufficient behavioral change, low financial literacy, and a rapidly evolving FinTech landscape. Nevertheless, there's room for growth, with consumer adoption of fintech services rising, particularly due to the pandemic's impact, presenting an opportunity for new PFMs. The emergence of infrastructure fintech and the rise of neobanks reflect the third wave of FinTech, enabling a more sophisticated approach to personal finance. Several PFMs have specialized their services for specific user segments, such as couples, millennials and GenZ, and women, signifying a growing commitment to advancing financial well-being. 💼🚀 Who are the current PFM players in the US and Europe? The ecosystem showcases numerous popular PFMs, each specializing in different user segments. Testing these products and providing feedback is crucial for their continuous improvement in advancing our path to financial well-being. If you're building in that space or keen to explore further, don't hesitate to reach out! Read more here: https://lnkd.in/einBWpaH A few things have changed since then for sure, among them, the unleash of the AI wave... — Thank you for reading! If you found this interesting: ♻️ Repost ✍️ Comment ➕ Follow me, Anais Cisneros, to join 7,000+ interested in startups & venture capital.