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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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Topic
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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TD Bank Turns to Akoya to Power Secure Open Banking API Access
TD Bank U.S. will route app and aggregator connections through Akoya's Open Finance Solution, with onboarding starting in the fourth quarter.
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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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What Is a Payments Hub? The Architecture Explained
A payments hub gives merchants one integration and many payment providers. This guide explains the architecture layer by layer, from gateway to settlement.
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Payments & Subscriptions: Managing Online Payments and Subscriptions Without Surprises
Recurring payments fade into the background until a statement surprises you. Here is a simple routine to track, rate, and manage every subscription.
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Banking While Unbanked: How to Open a Bank Account With Thin Credit or a Rough History
A step-by-step guide to opening a first bank account, including what banks check, what second-chance options exist, and what to do if you have been declined before.
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Innovation Awards How Judged — Innovation Awards: What Judges Actually Look For Before Shortlisting
Implementation, measured impact and evidence usually outrank novelty, which is why polished pitches with no traction lose to quieter products that work.