Fintech Research

Sep

Why does the U.S. trail Asia in mobile payments adoption?

Americans are fond of their smartphones. They use them for voice communication, texting, internet browsing, photo sharing and of course streaming videos. Yet, unlike citizens across Asia, Americans rarely use their phones for banking purposes. Data compiled by consultancy Bain & Co. show that mobile payment adoption rates in the…

Sep

Fintech Research

Why is challenger bank N26 not concerned about profitability?

Fintech investors think big. Armed with heavy warchests, they seek out the noblest of disruptors – startups with a shot at redefining the rules of banking. Profitability is not the first order of business – or even the second one. As long as the idea is attractive and scaleable, losing…

Aug

Fintech Research

Are the UK’s challenger bank unicorns overvalued?

Despite the United Kingdom’s Brexit travails, its digital banking sector remains red hot. Indeed, the UK is home to the most challenger bank unicorns of any country: OakNorth (valued at US$2.8 billion), Monzo (US$2.5 billion) and Revolut (US$1.7 billion). Further, if analysts’ estimates are correct, Atom Bank (US$644 million) is…

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