Regulation
What Is MiCA? The EU's Crypto Regulation, Explained
The EU's Markets in Crypto-Assets Regulation is the first major attempt to build a comprehensive legal framework for cry...
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Every article published on CloudFintech — 26 pieces covering AI, banking technology, payments, crypto, and regulation.
26 articles
Startups
What Makes a Neobank Profitable? The Unit Economics That Actually Work
Most neobanks still burn cash. The handful that turn a profit rely on a narrow set of mechanics — interchange, credit ri...
Crypto & DeFi
Stablecoins for Treasury Teams: A Practical 2026 Guide
A treasurer's guide to stablecoins in 2026: where they earn their place as a settlement rail, where they don't, and the ...
Regulation
The RegTech Stack Every Digital Bank and Neobank Needs in 2026
Standing up a neobank is easier than ever. Staying compliant once you have customers is where most of the operational ri...
Banking Tech
Open Banking Explained: How API-Driven Finance Is Reshaping Banking
Banks held data about their customers but kept it to themselves. Open banking changed the deal: with your consent, that ...
AI Tools
Machine Learning in Wealth Management: How AI Is Changing Investing
Robo-advisers were just the start. Machine learning is now embedded in portfolio construction, tax optimisation, risk pr...
Regulation
KYC, KYB and AML Explained: Fintech's Compliance Backbone
Every fintech that touches money has to answer three questions about its customers: who are you, what is your business, ...
Banking Tech
How Do Neobanks Make Money? The Full Business Model Explained
Neobanks grew fast by offering free accounts — but free is not the same as unprofitable. Here is how Monzo, Revolut, Sta...
AI Tools
How Banks Are Using AI to Detect Rogue Traders in 2026
Trading desks are deploying machine learning to spot misconduct months before compliance flags it. The technology is rew...
Startups
Fintech Funding 2026: Where the Capital Is Going
The era of funding every neobank is over. In 2026 the capital is flowing to B2B infrastructure, embedded finance, AI-nat...
Regulation
DORA Compliance: The Operational Playbook for 2026
DORA has applied since January 2025. A year on, most firms have the policies — but the register of information and conce...
Banking Tech
Cloud-Native Core Banking Migration: The 2026 Playbook
Big-bang cutovers are losing. The transformation leads who are actually shipping cloud-native core banking are running g...
Crypto & DeFi
Central Bank Digital Currencies (CBDCs) Explained: Retail, Wholesale, and the Race to Digital Cash
Central bank digital currencies are sovereign money in digital form. Here is how retail and wholesale CBDCs work — and w...
Payments
BNPL Explained: How Buy Now, Pay Later Works — and Who Is Actually Winning
Buy now, pay later spread from Scandinavian fashion checkout buttons to a global consumer credit product worth hundreds ...
Banking Tech
What Is Banking-as-a-Service (BaaS)? Platforms, Players, and Risks Explained
BaaS promised to turn any software company into a bank. The infrastructure exists — but the Synapse collapse exposed exa...
Payments
B2B Embedded Finance in 2026: Where the Revenue Actually Is
Every software platform now wants to be a bank. The infrastructure exists — but the margin, the risk, and the regulatory...
AI Tools
AI in Financial Services 2026: The Complete Map
A function-by-function map of where AI is actually deployed across banking and finance in 2026 — and why the durable val...
Payments
Account-to-Account Payments Explained: The Challenge to Card Networks
Moving money directly between bank accounts costs a fraction of what card networks charge merchants. The technology exis...
AI Tools
What Is Synthetic Data, and Why Does Financial AI Use It?
Synthetic data is solving AI's privacy paradox in finance. How banks and fintechs are using algorithmically generated da...
Payments
How Payment Orchestration Works: The Technical Architecture Explained
Payment orchestration routes transactions across multiple providers through a unified API. Here's the technical architec...
Payments
What Is Embedded Insurance and How Is It Sold? The 2026 Revenue Model
Embedded insurance is moving from travel sites to B2B software. Here's how the distribution economics work and where the...
AI Tools
AI Underwriting Is Cutting Loan Approvals from Days to Seconds
Banking Tech
Cloud-Native Core Banking: Why the Migration Wave Is Finally Accelerating
Crypto & DeFi
Stablecoin Settlement Goes Mainstream: What Every Bank Needs to Know
Regulation
The RegTech Stack Every Compliance Team Should Know in 2026
Payments