Research library

Open Banking API Reliability: A Benchmark Framework for Fintech Buyers

Headline uptime figures say little about whether a payment completes at checkout. A framework for measuring open banking...

Banking Platform Exit Plans: A Dependency and Switching-Cost Framework

Most banks can explain why they chose a core banking, cloud or BaaS provider. Fewer can show they could actually leave o...

EU AI Act Annex III for Credit Scoring: The Documentation Burden, Mapped

The EU AI Act's Annex III duties for AI credit-scoring systems now apply from 2 December 2027, not August 2026. This map...

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 wh...

What Is Synthetic Data, and Why Does Financial AI Use It?

Synthetic data promises a way around AI's privacy problem in finance. How banks and fintechs use algorithmically generat...

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...

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...

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 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 valu...

AML Transaction-Monitoring Economics: A Cost and Evidence Model

A practical model for measuring AML transaction-monitoring workload without confusing fewer alerts with better controls.

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...

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, ...

How Payment Orchestration Works: Architecture and Trade-offs

A technical guide to payment orchestration: routing, tokenisation, retries, reconciliation, cost modelling, and the buil...

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, Star...

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 exac...

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 ...

What Makes a Neobank Profitable? A Unit-Economics Model

A reproducible model for neobank profitability across interchange, deposits, lending, subscriptions, acquisition, losses...

How Banks Use AI to Detect Rogue Traders: A Control Benchmark

A primary-source control benchmark for rogue-trading surveillance: what the Kerviel and Adoboli cases reveal, where anal...

Stablecoins for Treasury Teams: A Practical 2026 Guide

A corridor-by-corridor guide to stablecoin payments for treasury teams, using Bank of Italy cost evidence and a controll...

Fintech Funding in 2026: What the Latest Data Shows

The latest complete datasets show a 2025 funding rebound with fewer deals, larger cheques, and concentration in digital ...

Cloud-Native Core Banking Migration: The 2026 Playbook

A practical guide to cloud-native core-banking migration patterns, the limits of public case studies, and the controls a...

B2B Embedded Finance in 2026: Unit Economics and Risk

A sourced guide to B2B embedded-finance economics, regulated partner structures, Synapse lessons and a downloadable scen...

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 Underwriting: Where Faster Credit Decisions Are Credible

Stablecoin Settlement for Banks: Cost, Regulation and Risk