Author: Marvin Evans

Monzo Flex Build is not a credit card in the conventional sense. Conventional credit cards are issued to people who can already demonstrate they are creditworthy, people with employment histories, prior borrowing records, and credit scores that satisfy underwriting models designed to extend credit to those who arguably need it least. Monzo Flex Build, launched this week in partnership with financial inclusion non-profit Fair4All Finance, inverts that logic. The updated pilot, announced on June 8, 2026, targets the more than 16 million UK adults who currently face barriers to mainstream borrowing, a figure that has grown by approximately 30 percent since…

Revolut’s $115 billion secondary share sale, first reported by Bloomberg on June 5, 2026, is the most significant valuation event in European fintech history. Revolut is looking to run a secondary share sale that would value the company at $115 billion, on the heels of receiving a UK bank licence and applying for a charter in the US. A formal process could kick off as soon as this month, allowing early investors and employees to sell shares and generate liquidity. If the Revolut $115 billion secondary share sale closes at the targeted figure, it would represent a 53 percent jump from the…

UK wealth fintech has long been told that growth and profit cannot coexist at scale. Moneybox just answered that. The London company’s 2025 results show revenue past £100 million for the first time. That figure reached £115.6 million, up 23 percent. Meanwhile, assets under administration grew 62 percent to £19 billion. The customer base rose 31 percent to 1.7 million. Above all, the firm booked a third straight year of profit, with pre-tax earnings of £14.9 million. That third profit year is the number that matters. For a decade, critics argued that UK wealth fintech could chase growth or chase…

Decentralised finance, or DeFi, is the set of financial services built on public blockchains and run by smart contracts instead of institutions. In short, anyone with a crypto wallet and an internet connection can use it. It does not merely digitise banking. Instead, it rebuilds lending, borrowing, trading, and saving on open-source code that anyone can inspect or build on, with no bank, broker, or regulator in the middle. That is the radical part of the idea. In its purest form, decentralised finance is the financial system without gatekeepers. In practice, it is a stack of protocols that let crypto…

Digital investment platforms have matured from a disruptive novelty into a mainstream home for tens of billions of dollars. Industry forecasts put the global robo-advisor market near $69 billion by 2032, growing roughly 27 percent a year. The early pitch was simple, namely automated index investing at a fraction of an adviser’s fee. That pitch held, and then the category grew teeth. Today the cheap-index promise is table stakes. So digital investment platforms now compete on tax optimization, account variety, hybrid advice, direct indexing, ESG menus, and crypto access. Picking one in 2026 is therefore less about the lowest fee…

What is insurtech? Insurance is one of the oldest financial products around, and one of the last to face real technological change. The core idea has held since Lloyd’s of London underwrote ships in the 1600s. A large group each pays a small premium into a pool, and that pool covers the losses of the unlucky few. What has shifted, slowly and then quickly, is the data used to price risk, the way policies reach people, and the speed of paying a claim. Insurtech, the use of technology in insurance, is the broad reworking of an industry that long resisted…

Kaiko Acquires Amberdata in a landmark digital assets deal! There is a principle in financial markets that predates fintech, crypto, and most of what we call modern capital markets: the firm that controls the data controls the market. Bloomberg built a $10 billion business on it. Refinitiv, sold to the London Stock Exchange Group for $27 billion in 2021, was built on it. S&P Global, MSCI, and ICE Data Services all represent variations of the same thesis: in a world where investment decisions are made at machine speed and institutional credibility depends on reference data that every participant trusts, the…

What is regtech? Start with a simple idea. Regulation is the cost of trust. Every know-your-customer check, every anti-money-laundering alert, and every report filed with a regulator exists to keep money moving through legitimate channels. For most of modern finance, people carried that cost by hand, through checklists, manual reviews, and periodic filings. The bill was huge, and the error rate was worse. Regtech, short for regulatory technology, applies software, data, and AI to that problem. So institutions can now meet their obligations faster, cheaper, and more reliably than manual work allows. In 2026 it is a roughly $28 billion…

What is blockchain? Few technologies get named more often or understood less. For years it was sold as either the foundation of a new financial system or a fix looking for a problem, and both labels fit at different moments. The honest 2026 read sits in between. Blockchain is foundational plumbing. It now reshapes a handful of high-value workflows across finance, supply chains, and digital identity. Meanwhile, hard experience has trimmed back the wild promises of the 2017 and 2021 hype cycles. So the market today rewards specific wins, not slogans, and the sector is worth a projected $67.4 billion…

What is fintech? Ask ten people and you get ten answers. One points to a banking app, another to Bitcoin, a third to the algorithm that clears a loan in seconds. Every one of them is right. Fintech, short for financial technology, is the umbrella term for any tool built to improve, automate, or disrupt how financial services reach people. So it is not one product or one company. It is an industrial shift, and in 2026 it ranks among the fastest growing slices of the global economy, worth a projected $460.76 billion this year and on track for $1.76…