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Continue reading →: Open Banking is Great, Unless You’re an Immigrant
“While residents in Europe can connect all their accounts and get personalized financial advice, immigrants are left managing fragmented systems.” Imagine being able to link all your financial accounts in one app, receiving personalized advice on where to save, invest, and even find the best loan options—all without spending a…
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Investment in Open Banking Leaves the U.S. Behind
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Continue reading →: Investment in Open Banking Leaves the U.S. BehindOpen Banking has changed the game—building investor trust and driving a surge of funding into fintech, especially for PayTechs. Regulations are often seen as barriers that increase entry costs and slow innovation, especially for small businesses. However, in Europe’s fintech sector, the reality has been different. Since its implementation, fintechs…
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banking, data sharing, digital banking, finance, financial technology, fintech, open banking, paytech, psd2, regtech
PSD2: Leveling the Financial Playing Field
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Continue reading →: PSD2: Leveling the Financial Playing FieldAware that a market-driven approach would not ensure fair competition between traditional banks and fintechs, the EU introduced PSD2. In an era where tapping a phone to pay for coffee has become the norm, the rise of mobile payments and digital wallets has reshaped the financial landscape. Nowadays, we prefer…
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Continue reading →: Credit Evaluation in the Era of Open Banking
Open Banking’s emergence has the potential to innovate how we assess creditworthiness. Credit is key to keeping the economy moving. Think of it this way: for every $1 saved in the bank, 81 cents are given to others as loans. This shows just how much we rely on borrowed money,…
Welcome to my “cozy,” experimental hub. This space is both a personal repository and, potentially, a learning spot. My goal with this page is to close the gap between the academic study of economics and its real-world effects. With a rising curiosity about how money flows in the digital age, you’ll find insights into the influence of financial technology, exploring how and who powers these platforms and analyzing their true impact. Regulation will play a big role in these discussions. I’ll keep this space updated, as my work permits. Take care,
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