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16 Results from 2024

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

How FedNow is Shaping Payments Since its Groundbreaking Launch

In the six months following its groundbreaking launch in July 2023, FedNow has emerged as a transformative force in real-time payments, marking a significant departure from the traditional Automated Clearing House (ACH) system. This shift signifies a pivotal moment in banking innovation, offering instantaneous transaction processing that aligns wi...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Key Challenges Digital Banks are Facing in 2024

With the neobanking market projected to swell to $6.37 billion in 2024, and a user base expected to hit 386.3 million by 2028, the industry's potential is undeniable. Yet, alongside opportunity come substantial challenges, from profitability to cybersecurity. Clash of Titans: Traditional vs. Digital Banks The consumer demand for comprehensive fin...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Must-Have Features for Digital Banks in 2024

In 2024, digital banks continue to rise, drawing in customers with their innovative services. Leading digital banks such as Chime, Current, and Varo report significant increases in both customer numbers and deposit volumes. The competitive landscape is intensifying as technology giants and traditional banks unveil their digital banking solutions, ...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Gig Economy and Millennial Momentum: Key Trends Shaping the Prepaid Card Market in 2024

The prepaid card sector stands at a dynamic crossroads, marked by fierce competition and expansive growth. As we delve into 2024, several pivotal trends are shaping the future of prepaid cards, from gig economy dynamics to millennial spending habits, the surge in virtual card usage, the popularity of eGift cards, and the innovative approach of pre...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

The Biggest Payments Industry Trends of 2024 (and How to Implement Them Now!)

Emerging Digital Payment Trends As we usher in 2024, the payments industry stands on the threshold of a new era, marked by an accelerated pace of innovation. This dynamic landscape is a testament to the sector's agility in responding to the rapidly evolving demands of the digital consumer and the forward march of technology. What payment trends ca...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

How AI-Driven Chatbots are Transforming the Financial Services Industry

AI-powered solutions are rapidly maturing, becoming a vital asset across numerous industries, particularly within finance. According to a Markets and Markets report, the global chatbot market achieved a valuation of $4.7 billion in 2022 and projected growth to $15.5 billion by 2028. The evolution of chatbots has vastly improved their linguistic ca...

/payments /retail Banking Strategy, Digital and Transformation

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