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June 15, 2023

Global Cross-Border Payment Flows: Current Landscape

Global cross-border payments have become increasingly crucial for facilitating global trade and economic development due to the growth of international trade, digital [...]

February 16, 2023

Top 10 Countries Receiving The Most Remittances 

Remittances have always been a major indicator of a country’s economic strength. With the ability to show the connections between citizens and their compatriots, this metric provides a great look into the health of nations.  When people travel abroad - whether to live or just stay temporarily - they eventually need to send money home. […]

February 1, 2023

USDC Use Cases for Cross-Border Payments

Within just a few years, USDC demonstrated its utility as a revolutionary tool for facilitating borderless payments. Its stability, as a result of being pegged to the value of the US [...]

June 30, 2022

Why the current neobank model needs to evolve

A buzzword in the fintech space in recent years, neobanks are challengers of the traditional banking infrastructure, a digital-only option that offers direct banking to customers. Often dubbed the “disruptors” of the fintech world, neobanks eliminate the need for a network of branches as well as a whole workforce of customer representatives who essentially serve […]

March 20, 2022

The Great 96/97 Moment Of Web3: US President Joe Biden puts out an executive order on cryptocurrencies

Arf's Perspective: US President Joe Biden puts out an executive order on cryptocurrencies that focus on six key areas: consumer protection, financial stability, illicit activity, U.S. competitiveness, financial inclusion and responsible innovation. This is the answer to the question that every stakeholder in web3 market has been asking for several years: Will the US ban […]

March 13, 2022

Could An Interest-Bearing CBDC Threaten The Entire Banking System?

Wherever you look right now, the world is talking about cryptocurrencies - particularly, central bank digital currencies (CBDCs). There has been a massive push towards digitizing currencies across the world, although there are still some countries that have managed to hold out for now.

February 19, 2022

How Will Retail and Wholesale CBDCs Affect Banking?

One of the hottest trends in the finance space right now is the central bank digital currency (CBDC). Over the past few years, more central banks have moved to digitize their currencies as they hope to improve areas like trade and cross-border transactions.

December 3, 2021

What Is Embedded Finance and Why Is It Important?

Embedded finance is the integration of financial services, such as banking, insurance, or lending, into traditionally non-financial user experiences.

October 11, 2021

What Are E-Wallets and Why Are They Important?

An e-wallet, or a digital wallet, is an online service that enables people and businesses to make digital transactions and verify their credentials. Any type of personal data can be loaded into an e-wallet, including debit and credit cards, driver’s license, social security number, loyalty cards, as well as items such as movie tickets and boarding passes.

October 6, 2021

What Are Neobanks and Why Are They Important?

Neobanks, or digital-only banks, can be defined as fintech companies offering direct banking services to their customers. The term neobank was first coined around 2016[1] to describe fintech companies that challenge traditional banks.

October 5, 2021

What Are the Common Problems of Remittance Companies?

Remittance flows are lifelines for migrants and their families in need. They are also one of the main sources of income for developing countries and play a crucial role in their economic survival. With the class of global citizens getting crowded and the gig economy passing $340 billion in 2021, the finance industry needs to make sure that remittances safely continue flowing […]

October 5, 2021

De-Risking: A Decades-Long Problem of The Remittance Industry

Remittance service providers (RSPs) play a crucial role in the global financial system by helping migrants in the world to send money back home. Considering that remittances are the primary source of income for many emerging markets […]

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