Thought Leadership Articles 

February 2023

Article

The Positive Social Impact of Digital Cross Border Payments

The world is moving at breakneck speed, and it’s time our money kept up. The positive benefits of instituting a sophisticated, robust, secure, and global system of digital remittances are obvious and the demand is great.

January 2023

Article

The global promise of Blockchain must not be derailed. 

USA — A lot of early inventions that we use and count on everyday were ridiculed when they were first invented and exposed to a jittery public.

The shock of the new creates jealousy, distrust, and resistance. Edison’s light bulb was considered a sham. In 1878, the Brits declared that the light bulbmight be”good enough for our Transatlantic friends… but unworthy of the attention of practical or scientific men.”

January 2023

Article

Can Crypto Be Trusted?

The recent collapse of FTX, as well as the ongoing ripple effects, has casted world wide skepticism on the cryptocurrency industry. While this is expected, it does not mean that the entire block-chain based industry should be avoided. Instead these collapses should reinforce the importance of the basic principles of which blockchain based transactions were founded on: fast global settlement, no need for central authority, trust minimization of 3rd parties, open source code, and the ability to independently verify transactions and balances via publicly auditable ledgers.

January 2023

Article

It’s time to reinvent remittances!

With a focus on revolutionizing the long dormant financial sector, FinTech is creating new applications to meet a rapidly changing landscape, and the tipping point to the use of these technologies is in remittances, a key chokepoint to the transfer of monies, locally and globally.

Article

December 2022

As digital transformation of payments in B2B becomes essential, Fintech steps up

It comes as no surprise that the computer system developed in the 1970’s – Automated Clearing House (ACH) – still serves as the default technology for many businesses today. Overhauling this system to meet the essential need for complete digital transformation on the part of banks and payment systems has been an uphill battle. Which is why the digital revolution in emerging markets, historically viewed as being less developed, and led and informed by Fintech startups, should give pause to the leaders of our C-suites and boardrooms.

December 2022

Article

Cryptocurrency and Blockchain: It’s time for a little positive disruption

Cryptocurrencies such as Bitcoin and Ethereum have entered the mainstream consciousness in a dramatic and disruptive fashion and are no longer sitting on the outskirts of acceptable alternatives to our challenged, compromised, and ancient financial system.

Article

November 2022

Financial Institutions Bet on Crypto’s Staying Power Despite Market Losses

The reports of crypto’s demise may be greatly exaggerated, at least if recent moves by several big payment giants are any indication. In June, the price of Bitcoin, a flagship crypto token, lost a third of its value and dipped below the psychologically important threshold of $20,000. Other key crypto prices followed suit, and an estimated $2 trillion in crypto wealth was wiped out in a matter of days. 

July 2022

Article

Moving Capital Across Borders With Crypto

The United Nations estimates that about one billion people are supported in part by remittance payments. In a world where virtually all services have been accelerated and made more efficient by interoperability and telecommunications, international money transfers seem to have been left behind. The reality is that most remittances today still rely on technology and methods that were available decades or centuries ago. This lack of innovation has led to two main issues: slow-moving capital and high fees.

Article

May 2022

Is Fintech a Tool for Social Justice?

Traditional finance often only benefits those who are financially established. Low-income customers may get left in the dark and are unable to utilize the same tools and resources with which higher net worth individuals are accustomed. This inequality is even more apparent in emerging markets where people are often unbanked or underserved. According to the World Bank, more than 1.7 billion adults do not have an account at a financial institution or through a mobile money provider. However, that is all changing as Fintech continues to completely change the way that we interact with the financial industry.