Join the Community

24,324
Expert opinions
40,855
Total members
327
New members (last 30 days)
215
New opinions (last 30 days)
29,358
Total comments

Latest expert opinions

clear
clear

3859 Results from /retail

Viacheslav Kostin

Viacheslav Kostin CEO at WislaCode Solutions

Core banking modernisation: Accelerating feature delivery without migration risk

Legacy banking infrastructure doesn't have to slow your innovation. Discover how incremental modernisation delivers speed without compromising stability. Most financial institutions face the same challenge. Legacy core systems create delivery bottlenecks that frustrate product teams and disappoint customers. The instinct to replace everything at o...

/payments /retail Innovation in Financial Services

Raman Korneu

Raman Korneu CEO at myTU

Why Payments Still Break Marketplaces (and How Fintech Can Finally Fix It)

In 2025, you’d think payments would move as fast as the businesses they power. But for many digital-first companies (especially marketplaces, lenders, and online platforms) the basic task of reliably moving money in and out is still a daily struggle. This shouldn’t be the case. The industry has made huge advances in consumer UX, credit innovatio...

/payments /retail Embedded Finance

Aaron Holmes

Aaron Holmes CEO at Kani Payments

Modern Payments, Old Problems

The payments industry has never lacked ambition. Every new wave from open banking to embedded finance has been followed by declarations of “next-generation” capability. The phrase has come to mean speed, automation, and digital-first delivery. But beneath the surface, a more complicated picture is emerging. For all their innovation, many fintechs ...

/regulation /retail Banking

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Case Study: Turning a Spreadsheet into a Fashion-Inspired Lifestyle Banking Brand

There’s a quiet crisis in digital banking. Not security. Not compliance. Not AI. Emotion. Most banking brands still behave like clerks with calculators—useful, correct, and forgettable. Meanwhile, your customers spend hours inside digital brands experiences that feel curated, sensual, and alive: editorial storefronts, gallery-like feeds, cinematic...

/retail /identity Innovation in Financial Services

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgen Payment Infra

Predictive Programming and Programmatic Money in Rural and Community Banking

A peculiar aspect of crypto has been the speed at which it has evolved, the polarised discussions around it and the incredible slowness of regulations as well as policy in contrast. It has also gone into pathways not originally envisaged. The dominant narrative about programmatic money remains centred on stablecoins at the moment. All this is like...

/ai /retail Blockchain in Banking and Financial Services

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgen Payment Infra

Bringing Change To Rural and Community Banks

Rural and small community banks are where large numbers of people and small businesses find access to lending and wealth creation. This is as much true in Asia as it is anywhere else. Community banks in non-metropolitan areas have to contend with high penetration of smartphones and varied product offers from neo or digital banks. At the same time, ...

/ai /retail Artificial Intelligence and Financial Services

Teo Blidarus

Teo Blidarus CEO and Co-Founder at FintechOS

Banks Can’t Treat Stablecoins and Tokenized Deposits as “Just Another Payment Method”

Stablecoins are moving fast, banks aren’t. As industry, business and consumer understanding deepens, token-based rails are starting to challenge mainstream infrastructure. The pressure to react and integrate is real. Put simply: token-based money moves on new rails built outside the current banking infrastructure. They transfer value quickly and sp...

/payments /retail Innovation in Financial Services

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Why the Cheapest Software Estimate Often Costs Fintech Companies the Most

Last quarter, a fintech company approached us to rescue a failing project. They'd hired a vendor to build an expense management platform with payment integrations in two months — an aggressive timeline that should have raised red flags. Ten months later, they had nothing in production, a budget that had tripled, and a vendor relationship that had ...

/payments /retail Banking Strategy, Digital and Transformation

Jeremy Takle

Jeremy Takle Founder and CEO at Pennyworth

AI-native finance: Will your bank be left behind?

Banks have spent decades digitising their services, but the next revolution isn’t about convenience or access, it’s about intelligence. AI-native finance is reshaping the very architecture of banking, forcing institutions to rethink how they use data, how they deliver value, and how they engage customers. The next winners won’t just adopt AI. They...

/ai /retail Artificial Intelligence and Financial Services

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Halloween Story: Will Incumbent Banks Become Haunted Houses?

Ten years ago, entering any bank branch was like entering a living ecosystem. The air was filled with the sounds of stamping papers, banknote counters, and the noisy rhythm of bank tellers interaction. Lines of people, tellers behind glass, and the smell of printed documents and new unpacked banknotes—it all carried a sense of importance, stabili

/retail /markets Innovation in Financial Services

Now Hiring