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Fintech Startups to Watch: Trends Shaping the Next Wave
Funding has stabilized, the trust gap with banks has narrowed, and the models gaining traction are the ones that sell picks and shovels to the financial system itself.
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Buy Now Pay Later: How It Works and What to Watch
Pay-in-four mechanics, the CFPB's 2024 interpretive rule that treated BNPL like credit cards, the May 2025 withdrawal of that guidance, and the numbers that show where the product strains.
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PocketSmith Poll of 270 Women Shows What Open Banking Users Actually Want
Half of 270 women polled at a Sydney wealth event said they were 'writing the next chapter' of their financial lives — and the app behind the poll argues Open Banking is what makes that possible.
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How Banks Actually Make Money: A Clear Breakdown
Banks earn the spread between deposit and loan rates, add fee income, then absorb losses and payroll; FDIC data put the industry margin at 3.32 percent in second quarter 2026.
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Banking: Scotiabank Adds Self-Serve Card Tools and Scheduled e-Transfers to Its App
A new digital banking update brings credit card PIN changes, future-dated Interac e-Transfers and appointment booking to the Scotia app — what each change does, and who it affects.
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Digital Bank Profitability: How Unit Economics Decide Whether a Digital Bank Survives
Acquisition spend, compliance overhead and per-account servicing costs decide whether a challenger bank reaches breakeven or keeps raising money.
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The Branch That Wouldn't Close: What a Small Town Bank Story Says About Trust
When the last teller window in town stays open, the reason is rarely the branch's own economics — it is everything the branch quietly carries.
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How Programmable Payments Work With Tokenized Deposits
Programmable payments attach rules to money, and tokenized deposits give those rules something safe to move. Here is how the two layers fit together.
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How to Dispute a Credit Card Charge — How to Dispute a Charge and Win: A Cardholder's Guide
A wrong charge is not the end of the story. How chargebacks work, the rights behind them, and the steps that give your dispute its best chance.
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Digital Wallets vs Credit Cards — Digital Wallets vs Cards: Which Should You Use Day to Day?
Cards and wallet apps are layers of the same system, not rivals. How each works, where each shines, and how to pick the right one at the counter.