Sanjeev Kumar’s Post

𝐇𝐨𝐭 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐎𝐯𝐞𝐧: 𝐅𝐢𝐧𝐭𝐞𝐜𝐡’𝐬 𝐒𝐢𝐳𝐳𝐥𝐢𝐧𝐠 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐋𝐚𝐮𝐧𝐜𝐡𝐞𝐬 🚀 🌊 The latest wave of product launches reveals a clear trend: fintechs are doubling down on personalization, expansion, and optimizing merchant-customer relationships. 1️⃣ Several companies are pushing boundaries with new 🆕 payment methods and cross-border offerings to strengthen their presence in emerging and established markets. This expansion is notably seen across regions like the US, Brazil, Japan, and China, where fintechs are aiming to empower local merchants with more streamlined, scalable payment solutions. 2️⃣ Another key 🗝️ trend is the use of AI to enrich customer experiences. We see a shift towards deploying intelligent shopping assistants and monitoring tools to predict issues and provide real-time insights, optimizing both consumer recommendations and merchant operations. With real-time payment monitoring, there’s a strong focus on safeguarding revenues and ensuring payment smoothness. 3️⃣ Fintechs are also rolling out enhancements targeting small businesses and self-employed professionals 💼, focusing on expense management, invoicing tools, and simplified payment processes to help these users navigate the complexities of cash flow. _______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gyJAci-C #fintech #digitalpayments #AI #payments #SMBs #ecommmerce

𝐇𝐨𝐭 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐎𝐯𝐞𝐧 (𝐅𝐢𝐧𝐭𝐞𝐜𝐡’𝐬 𝐇𝐨𝐭𝐭𝐞𝐬𝐭 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐑𝐞𝐥𝐞𝐚𝐬𝐞𝐬) 🔥 🚀 In the fast-moving fintech space, product launches reflect the industry's direction, and the week's releases showcase significant innovations reshaping the landscape. These are signals of a broader industry pivot toward deeper integration, personalization, and accessibility. The future of finance is embedded, intelligent, and designed for businesses of all sizes. ➊ Embedded Finance is Becoming the New Standard ➥ Finance is no longer a separate function but deeply integrated into everyday operations. These solutions provide B2B vendors and businesses with the ability to streamline payments and onboarding effortlessly. This shift reduces friction, improves customer experience, and can significantly lower operational costs. ➋ AI is Moving from a Buzzword to a Core Differentiator ➥ AI is now critical for delivering hyper-personalized and data-driven insights. Adopting AI-driven solutions is about staying relevant. By offering real-time insights and customized experiences, businesses can meet growing customer expectations for tailored services, which will soon become the baseline, not a premium offering. ➌ SMEs are the New Battleground for Fintechs ➥ Fintechs are increasingly targeting SMEs with tailored solutions, from streamlined payment platforms to e-commerce integration. By integrating payments and financial tools into one ecosystem, these launches enable SMEs to scale their business with minimal infrastructure investments. _____________ Want to uncover more insights to track the pulse of fintech's hottest product launches❓ Get exclusive insights and data-driven analysis on our website. Subscribe to our newsletter for weekly updates and unlock premium research with our membership plans here ➡️: https://lnkd.in/g7EDvBqZ via WhiteSight #fintech #embeddedfinance #payments #AI #SMEfinance #SMEs

💡 "FinTech isn’t just about technology—it’s about experience.” – David G.W. Birch The future of B2B FinTech is personal. Businesses are no longer satisfied with one-size-fits-all solutions—they want tailored insights, custom dashboards, and financial strategies that truly meet their needs. 🎯 ✨ Personalization = Loyalty + Growth With AI, predictive analytics, and smarter tools, FinTech is transforming how businesses manage finances, optimize decisions, and build trust. But success lies in balancing innovation with responsibility—because data security and trust are non-negotiable. 🚀 Are you ready to embrace the shift to hyper-personalized FinTech solutions and redefine the customer experience? https://lnkd.in/dRGwhsXy #FinTechFuture #B2BInnovation #CustomerExperience #PersonalizedSolutions #FinTechPulse

𝐇𝐨𝐭 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐎𝐯𝐞𝐧 (𝐅𝐢𝐧𝐭𝐞𝐜𝐡’𝐬 𝐇𝐨𝐭𝐭𝐞𝐬𝐭 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐑𝐞𝐥𝐞𝐚𝐬𝐞𝐬) ♨️ 🚀 The latest product launches underscore fintech’s rapid evolution towards hyper-personalized, integrated, and SME-focused solutions: 1️⃣ Embedded Finance is Powering the Next Frontier ↳ By embedding financial services directly into business workflows, companies can reduce friction and offer more seamless experiences. These offerings enable businesses to integrate tailored financial solutions without extensive development efforts, making finance a truly behind-the-scenes enabler rather than a standalone function. 2️⃣ AI-Powered Insights are Shaping Consumer and Investment Decisions ↳ AI is fast becoming a core driver of personalization. For businesses, this means the ability to offer hyper-targeted recommendations and real-time insights, leading to improved customer satisfaction and operational efficiency. 3️⃣ SME-Centric Innovations is Leveling the Playing Field ↳ From simplifying point-of-sale processes to introducing stablecoins and integrated e-commerce platforms, these new launches are providing SMEs access to powerful financial ecosystems previously reserved for larger players, levelling the playing field in a big way. ______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/g3Xij95C #fintech #embeddedfinance #SMEs #SMEfinance #AI #payments

CloudWalk featured in The Latam Tech Report 2024 We’re thrilled to be recognized as one of the key players shaping the future of Latin America's tech ecosystem in Latitud’s The Latam Tech Report 2024! CloudWalk has been spotlighted not only as a proud unicorn but also as a leader in two game-changing trends for 2025: Instant Payments and Artificial Intelligence. Through our innovative platforms—InfinitePay, empowering micro, small, and medium businesses in Brazil, and JIM.com, revolutionizing payments in the U.S. with Instant Payments, Tap to Pay, and AI—we're paving the way for a more inclusive and efficient financial future. As Luis Silva, our founder and CEO, shared in the report: 👉 "For small merchants, instant payments go beyond convenience—they accelerate cash flow, minimize the impact of inflation, and foster prosperity." He also highlighted the transformative power of AI: 👉 “Fintechs that don't understand the impact of AI will inevitably lose the capacity to be efficient, innovative, and transformative for their customers' lives, shaping trends rather than following them." By leveraging AI, we've optimized operations, enhanced customer support, and driven savings—showcasing how innovation can empower businesses of all sizes. We’re excited to continue shaping the future of financial services for businesses worldwide. Download the report: https://lnkd.in/dWJ2CkG8

There is immense potential for the fintech industry to integrate artificial intelligence (AI) to drive not only innovation but also inclusion. By harnessing AI, fintech firms can utilise alternative data points to extend credit services to unbanked SMEs and micro-SMEs, opening doors to economic opportunities previously out of reach. In UpTech Media’s latest thought leadership piece, Christopher Choo, chief executive officer and co-founder at Qashier explores the challenges SMEs face in the digital revolution of financial technology. Choo, in particular, discusses the need to address their barriers and enhance opportunities for them. #digitalrevolution #fintech #SMEs ------ -[Awards] MARKETECH APAC is launching its inaugural "Marketing Technology Awards" where we recognise the groundbreaking achievements in marketing technology, uniting the brands and tech organisations within the region’s marketing community. Learn how your brand can be a part of it by checking it more details HERE: https://bit.ly/3SVtoIa -[Newsletter] To learn more about the latest news, trends and insights in the technology industry, subscribe to UpTech Media’s newsletter by filling out this form: https://lnkd.in/eKr8Se4y

At CYBS Consulting, we are committed to staying at the forefront of the financial services industry. Our participation in Money 20/20 underscores our dedication to bringing the best solutions and strategic advice to our clients. We leveraged the opportunities this event presented to expand our network, enhance our knowledge, and foster new partnerships. Here are some key subjects and highlights we explored at Money 20/20: Hyper-Personalization: ● Strong trend towards using massive amounts of consumer data to create increasingly personalized experiences ● Examples include purchase recommendations from Amazon and other retailers, and suggestions for consumption places of all kinds Banks Leading in AI: ● Leaders are investing in machine capacity, data centers, and databases to enable massive data processing. They are also hiring AI experts ● Currently, AI is primarily used for operational improvements and marketing, particularly customer interaction and experience personalization ● The future will see AI use expanding in ways not yet fully understood. Legacy IT: ● Many banks still rely on core legacy platforms while trying to address front-end and channel issues with APIs and other solutions ● Changing the core system takes at least two years and halts many operations, including the front end ● Updating the front end improves customer interaction without solving core problems, requiring interfaces to interact with the core ● An alternative is updating the front, middleware, and core by product or business line rather than all at once or entirely. Trust Takes Time: ● Siegel+Gale, experts in brand management, emphasize that purchase decisions are emotional first and rational later ● Avoid overwhelming customers with details; focus on the benefits they will receive ● Simplicity is the greatest challenge and main goal ● Communicating ideas concisely is complex but essential for market success ● Effective brand promotion yields significant returns ● Examples include AMEX in various countries and a feather logo for a space travel company. Superapps: ● Exploring the rise of superapps that integrate multiple services, creating seamless and comprehensive user experiences within a single platform. We were thrilled to be a part of this incredible event and look forward to implementing the insights gained to benefit our clients. If you attended, let's connect and discuss how we can collaborate to shape the future of fintech together. #Money2020 #Fintech #Payments #FinancialServices #CYBSConsulting #Innovation #Networking #Amsterdam2024

According to this recent study https://lnkd.in/eQXX_Qim, 67% of FinTechs prioritize improving mobile capabilities over the next three years, and 62% are focused on innovating with emerging technologies. But why wait three years? The SmartOffers™ platform is already mobile-first, designed with Gen Z in mind and packed with features to make offer discovery engaging and fun. Swipe through offers like TikTok, explore personalized savings with AI-chat, and find location-based deals on the go—all in one experience. Ready to increase engagement and elevate your offer experience? Learn more at www.dfinitiv.io. #Fintech #MobileFirst #GenZ #SmartOffers #OfferExperience #Engagement #Innovation #AI #MobileEngagement #CustomerExperience #CX #FutureOfFinance #DigitalTransformation

𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝘁𝗿𝗲𝗻𝗱𝘀 𝘁𝗼 𝗸𝗲𝗲𝗽 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗿𝗮𝗱𝗮𝗿 🔍 At Pay4You, we're exploring the latest in finance. Here are the top 3 fintech trends you need to know: 𝟭. 𝗔𝗜 𝗮𝗻𝗱 𝗮𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗱𝗮𝘁𝗮 𝗮𝗻𝗮𝗹𝘆𝘁𝗶𝗰𝘀: AI is revolutionizing fintech. From personalized financial advice to automated fraud prevention, AI helps us identify patterns and make the most of data, leading to enhanced customer satisfaction and operational efficiency. 𝟮. 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻𝘀: Demand for fast, secure, and user-friendly digital payments is rising. Innovations like contactless payments and integrated digital wallets are making transactions simpler and more accessible. 💳 𝟯. 𝗔𝗣𝗜 𝗶𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝘃𝗶𝘁𝘆: APIs play a crucial role in connecting a wide range of systems, including Finance, HR, Business Intelligence, P2P, and Expense Management. This enables companies to ensure seamless collaboration between different platforms while fully leveraging developments and innovations across various fields. For clients, this means they can utilize our expertise to optimize areas like tail spend without needing to overhaul their existing infrastructure. Want to see how Pay4You can support your financial department? Learn more on our website. #Fintech #AI #DigitalPayments #RegTech #Innovation #Pay4You #FutureOfFinance #TechTrends

73% of customers expect better personalisation as technology advances. What's the key to keep up with the demands for Fintechs? Let's understand! The above mentioned figure is from Salesforce. While the article contained many stats around the change in prefrences and the issues customers face when having interactions with the companies, this particular statement made my researcher personality curious. While the customers demand personalisation to the limit it seems "literally, only for you", what are the leading companies in Fintech sectors doing, to make this dream a reality? As mentioned in my last post, FinTech Magazine published a volume where data leaders of Mangopay and Quantexa put out their thoughts on the demands and how they plan to take the lead. Maciej Pitucha, data head of Mangopay says "Fintechs are using data analytics to offer more personalised financial products to increase user acquisition and keep user engagement...deployment of more extensive data analytics can drive innovation and customisation." With AI and ML, the usage of data from various sources sorted to bring out more personalised experiences is the main goal for the leading Fintechs, who want to adapt the customer first approach when it comes to services. This of course would come with more strict regulations and making sure personalisation doesn't disturb the security ecosystem, a challenge for these companies. Will come up with more on this soon! What's your take on the balance between data and security, when it comes to Fintechs? #fintech #personalisation #data #analytics #mangopay #fintechgiants