Author: Marvin Evans

SaaS in fintech has rewritten how financial software reaches the people who use it. For most of the twentieth century, financial software shipped as a physical product: a disc, then a licence, installed on a local server, maintained by an IT department, and upgraded every three to five years in a project that usually ran over budget and behind schedule. That model is largely gone. In its place sits Software as a Service, software delivered over the internet on a subscription basis, reached through a browser or mobile app, updated continuously by the provider, and priced per user or per…

SaaS in fintech has rewritten how financial software reaches the people who use it. For most of the twentieth century, financial software shipped as a physical product: a disc, then a licence, installed on a local server, maintained by an IT department, and upgraded every three to five years in a project that usually ran over budget and behind schedule. That model is largely gone. In its place sits Software as a Service, software delivered over the internet on a subscription basis, reached through a browser or mobile app, updated continuously by the provider, and priced per user or per…

Neobanks are financial institutions that exist entirely in digital form, run through a mobile app or website with no branch network behind them. The name pairs the Greek prefix neo, meaning new, with the word bank, signalling a banking model built for the smartphone era. Traditional banks layered digital products on top of decades of physical infrastructure. A digital-first neobank, by contrast, started life as a software company that happens to sell banking products, and that origin hands it a lower cost base and a faster release cycle than incumbents can easily match. By 2026, what began as a handful…

The cryptocurrency market has grown from a fringe experiment into one of the most consequential corners of global finance. In 2026 the cryptocurrency market is valued at roughly $6.16 trillion, according to Mordor Intelligence, and it spans more than 18,000 distinct digital assets. Those assets range from Bitcoin, which functions mainly as a store of value, to stablecoins pegged to traditional currencies and used increasingly for cross-border business payments. Cryptocurrency itself is a form of digital money that exists only in electronic form, secured by cryptography and running independently of any central authority such as a government or central bank.…

Every time you tap your phone at a coffee shop, split a bill with a friend, or pay for a subscription online, you take part in the digital payments market. This market is the infrastructure that moves value between parties in electronic form, and in 2026 the digital payments market is the largest, fastest-growing, and most consequential segment of the global fintech industry. The scale is hard to overstate, yet the machinery behind a single tap stays almost entirely out of view. Total transaction value in the digital payments market will reach $26.89 trillion in 2026, up roughly 11.7 percent…

Mobile payments will hit $6.78 trillion in 2026. Apple Pay, Google Pay, PayPal and real-time rails are reshaping global commerce. We break down who is winning and what comes next.

Embedded finance trends 2026 feature a market moving from aspiration to architecture, with payments, lending, insurance, and banking integrating directly into non-financial platforms. According to a February 2026 Mordor Intelligence report, the embedded finance market is projected at $155.96 billion in 2026, growing to $454.48 billion by 2031 at a 23.84% CAGR. Gartner forecasts that by 2026, more than half of all consumer financial transactions will be initiated on third-party digital platforms rather than bank portals. Embedded Finance Trends 2026 by the Numbers The market structure breaks down across several layers. Embedded banking holds 47.3% market share in 2026, serving…

SMB digital banking 2026 features a market where over 30 million US small businesses can choose from more digital banking platforms than ever, with differentiation now sitting in product fit rather than feature counts. According to a June 2025 Morning Consult survey for the Financial Technology Association, 98% of small businesses report high satisfaction with the fintech products they use, indicating the category has cleared a basic quality threshold. The harder question for SMB digital banking 2026 is which platform fits a specific business profile. A venture-backed startup has different needs from a sole trader or a cash-heavy retail operation,…

Personal finance management 2026 features a sector that has moved from spending-display apps to platforms that act on financial data on a user’s behalf. Mint launched in 2006, Betterment in 2008, and Robinhood in 2013, and the category has since cycled through hype, regulatory scrutiny, and consolidation. According to Fortune Business Insights, the global personal finance software market was valued at $1.35 billion in 2025 and is projected to reach $2.57 billion by 2034 at a 7.6% CAGR. The structural drivers in personal finance management 2026 are agentic AI, open banking data access, and a generation of consumers expecting more…

Crypto payment providers 2026 operate within a regulatory framework that has shifted from enforcement-led ambiguity to defined compliance rules. According to Cleary Gottlieb’s 2026 digital assets regulatory update, US regulators moved from “enforcement-heavy crypto-scepticism to a determined focus on flexibility for market participants to engage with digital assets and distributed ledger technology.” The shift centres on the GENIUS Act signed into law on July 18, 2025, the SEC-CFTC MOU signed March 11, 2026, OCC trust charter approvals, MiCA’s full enforcement in Europe, and rapid expansion of FATF Travel Rule jurisdictions. Each shift brings opportunity and compliance overhead for crypto payment…