Global Fintech Trends
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How Fintech Is Changing Banking in Developing Countries
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Mobile Money in Africa: Lessons for the Rest of the World
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Cross-Border Payments: The Future of Sending Money Abroad
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Asia’s Super Apps (WeChat Pay, Grab) and What the West Can Learn
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Europe’s Open Banking Revolution
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Financial Inclusion: Can Tech Really Bridge the Gap?
By Emma Hallsworth — Researched and published by 46 Wall Street One of the boldest promises of fintech is financial inclusion—the idea that technology can extend banking, lending, and savings tools to the billions of people who remain unbanked. In countries where traditional financial systems are limited, fintech platforms are creating entirely new ways for
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Asia’s Super Apps: What the West Can Learn
By Samuel Dixon — Researched and published by 46 Wall Street In Asia, “super apps” like WeChat, Grab, and Gojek have redefined what a financial app can be. These platforms go beyond payments, combining messaging, shopping, ride-hailing, and banking into a single ecosystem. For users, it’s an all-in-one hub that integrates seamlessly into daily life.
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Cross-Border Payments: The Future of Sending Money Abroad
By Josh Williams — Researched and published by 46 Wall Street Sending money across borders has traditionally been expensive and slow. Wire transfers and remittance services often charge high fees, with payments taking days to clear. Fintech companies are rewriting the rules. Players like Wise (formerly TransferWise), Revolut, and PayPal now allow users to send
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Mobile Money in Africa: Lessons for the Rest of the World
By Tim Mahoney — Researched and published by 46 Wall Street In many parts of Africa, mobile money has leapfrogged traditional banking. Services like M-Pesa in Kenya allow millions of people to send, receive, and store money without ever visiting a bank branch. For those in rural areas or without formal identification, mobile money has
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How Fintech Companies Use AI to Fight Fraud
By Terry McFlour — Researched and published by 46 Wall Street As digital transactions become the norm, fraud has grown more sophisticated. Fintech companies are increasingly turning to artificial intelligence to protect consumers and businesses. AI-powered systems can analyze thousands of transactions in real time, spotting unusual behavior patterns faster than human analysts ever could.
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How Fintech Is Changing Everyday Money Habits
By Emma Hallsworth — Researched and published by 46 Wall Street Over the last decade, financial technology—better known as fintech—has quietly transformed the way people interact with money. From the moment you tap your phone to pay for coffee to the apps that round up spare change into investments, fintech has become deeply woven into
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The Rise of Contactless Payments: Convenience Meets Security
By Terry McFlour — Researched and published by 46 Wall Street The simple act of paying for something has gone through a dramatic transformation in recent years. Contactless payments, once seen as a futuristic convenience, are now an everyday norm. Whether it’s tapping an iPhone with Apple Pay, swiping a smartwatch, or using a contactless
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What Makes Neobanks Different From Traditional Banks?
By Stacey Winters — Researched and published by 46 Wall Street In a world where most financial interactions happen on mobile devices, it’s no surprise that an entirely new category of banks has emerged: neobanks. Unlike traditional banks, neobanks such as Chime, Monzo, and Revolut operate primarily online, with no physical branches. They offer checking
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How Apps Like Robinhood and Acorns Are Democratizing Investing
By Tim Mahoney — Researched and published by 46 Wall Street Investing was once seen as a pursuit reserved for professionals and the wealthy. Today, however, fintech platforms like Robinhood, Acorns, and Stash are bringing the world of investing to the masses. With commission-free trades, user-friendly interfaces, and even spare-change round-up features, these apps have
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Buy Now, Pay Later: Is It Smart Shopping or Hidden Debt?
By Josh Williams — Researched and published by 46 Wall Street The rise of Buy Now, Pay Later (BNPL) services like Klarna, Afterpay, and Affirm has added a new dimension to shopping. Instead of relying solely on credit cards, consumers can now split purchases into smaller installments—often with zero interest. For many, this feels like
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Beyond Bitcoin: Everyday Uses of Blockchain
By Mary Rodgers — Researched and published by 46 Wall Street When most people think of blockchain, their minds jump immediately to Bitcoin. But blockchain technology has grown far beyond cryptocurrencies. Companies are using it for everything from tracking supply chains to verifying digital identities. IBM and Walmart, for example, have partnered to use blockchain