Fintech Research

Sep

How Estonia discovered its digital identity

Estonia is perhaps the most connected nation on earth. Wired magazine describes the small Eastern European country as “the most advanced digital society in the world.” Data compiled by the Estonian government show that 99% of Estonia’s services are online, 98% of Estonians have a digital ID card and about…

Sep

Fintech Research

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…

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