Join the Community

24,125
Expert opinions
40,689
Total members
333
New members (last 30 days)
204
New opinions (last 30 days)
29,289
Total comments

Latest expert opinions

clear
clear
Sanjib Kalita

Sanjib Kalita Chairman at Fintech Meetup

How to Win in Fintech

As we look toward 2026 and beyond, fintech is entering a new and defining phase in its growth. Funding is rebounding, with capital raised having reached $11 billion across almost 400 funding rounds in the second quarter of 2025. With the regulatory environment easing, banks are actively seeking innovation partners to help them modernize, compete,...

Uma Shankar Kulasekaran

Uma Shankar Kulasekaran Director, Product Management, Fraud at NICE Actimize

The Hidden Fraud Economy: Why Synthetic Identities Demand a New Defense Strategy

The Hidden Fraud Economy: Why Synthetic Identities Demand a New Defense Strategy By Uma Shankar Kulasekaran Fraud has always been a chase. Banks build defenses, criminals find new ways in, and the cycle continues. In recent years, something quieter, and frankly more dangerous, has been spreading. It is called synthetic identity fraud. This is not t...

/ai /crime Financial Risk Management

John Wu

John Wu President at Ava Labs

How can we share more, whilst revealing less? A new era in digital ID

The internet is built on proof. Proof you’re old enough to buy a product. Proof you can afford a loan. Proof you really earned the degree on your résumé. But proving anything online today usually means handing over far more than is necessary. A driver’s licence to prove age, a bank statement to prove solvency, a diploma to prove education – each on...

/identity

Laurent Descout

Laurent Descout CEO at NEO Capital Markets

Money 20/20 USA 2025: Key themes to look out for

It’s that time of year again! Money20/20 USA is returning and promises to be bigger, bolder and more future-focused than ever. From October 26-29, over 11,000 from the money community are set to descend on Las Vegas’s Venetian Hotel to build influential partnerships, accelerate deals and explore the key trends driving innovation in fintech. This ...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

OpenAI versus ClosedAI

Snippets from ClosedAI – by Schumpeter in the Economist - followed byt ChatGPT's take on it: OpenAI to buy perhaps $10bn-worth of custom AI chips from Broadcom. Adding $200bn to Broadcom’s market value.. OpenAI revealed that Nvidia, Broadcom’s larger rival, would invest up to $100bn in it over several years while selling it graphics-processing un...

/ai /predictions Innovation in Financial Services

Dr Ritesh Jain

Dr Ritesh Jain Advisor at WorldBank

Programmable money: how we turn access into real, measurable inclusion

Programmability doesn’t replace access — it multiplies the value of access. That’s the simple but powerful idea behind India’s CD Token and similar initiatives: when money can carry rules, proofs and intent, we stop forcing people to fit into financial products and instead design products to fit people’s lives. Opening a bank account is necessary,...

/payments /inclusion Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

From Chaos to Trust

Many of us - especielly in older generations - experience today’s digital world as chaotic — and what’s coming next with accelerating speed - can feel downright mind-spinning. Many feel that they have lost their sense of control, constantly resetting passwords and struggling to remember how each service works. Every site, app, and platform seems ...

/inclusion /identity Innovation in Financial Services

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

Digital Innovation Reshapes Local Business in California

California’s business landscape is changing rapidly as digital technology becomes an essential part of daily operations. From small family-owned shops to regional enterprises, local businesses are finding new ways to connect with customers, streamline services, and stay competitive in a world that is increasingly online. This shift brings both opp...

Akshar Prabhu Desai

Akshar Prabhu Desai Payments engineer

Agentic AI in Finance : A Comprehensive Overview

Note: This article is reflects opinions of the author and not that of his employer. This article is also a distilled version of author's research paper published here. [PDF] Agentic AI techniques are autonomous systems that can make their decisions independently to work towards a specific goal in a dynamic environment. This article explores the e...

/ai

Franklin Manchester

Franklin Manchester Principal Global Insurance Strategic Advisor at SAS

The evolution of insurance: People, products and promises

In my last column, I wrote about the year so far in insurance, and how climate-related disasters and public policy have put the industry on a path toward crisis much faster than even dire predictions had forecast. But all is not lost yet. Insurers have an opportunity to position the industry for a brighter future – from finding real value in AI t...

/ai

Now Hiring