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Open Banking Guide 2025
Feb 26, 2026 · 6 min read
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What Is DeFi? A Plain-English Definition
Feb 25, 2026 · 3 min read
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Top Fintech Trends in 2026: AI, Embedded Finance & Open Banking
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Open Banking Guide 2025

Open banking is transforming the relationship between consumers and their financial data. By enabling secure, consented data sharing via standardised APIs, it is unlocking a new generation of…

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Fintech Questions, Answered

Explore our expert answers to the most searched fintech questions. For deeper analysis, browse our full category guides.

What is fintech and why does it matter?
Fintech (financial technology) refers to technology-driven innovation in financial services, including mobile banking, digital payments, cryptocurrency, robo-advisors, and AI-powered lending. It matters because it is democratising access to financial services, reducing costs, and transforming how billions of people manage money globally.
How does decentralised finance (DeFi) work?
DeFi uses blockchain smart contracts to replicate traditional financial services — lending, borrowing, trading — without intermediaries like banks. Users interact directly with protocols via crypto wallets, earning yields or accessing credit using digital assets as collateral. Major DeFi platforms include Aave, Uniswap, and MakerDAO.
What are neobanks and how are they different from traditional banks?
Neobanks are digital-only financial institutions with no physical branches. They offer banking services via mobile apps with lower fees, faster onboarding, and superior user experience. Unlike traditional banks, most neobanks partner with licensed banks to hold deposits. Leading neobanks include Revolut, Chime, Monzo, and N26.
What is open banking and how does it benefit consumers?
Open banking allows consumers to securely share their financial data with third-party providers via regulated APIs. Benefits include personalised financial products, faster loan approvals, real-time account aggregation, and improved money management tools. It is mandated by PSD2 in Europe and gaining traction globally.
How is AI being used in financial services?
AI in finance powers fraud detection systems (real-time transaction monitoring), credit scoring (alternative data models), algorithmic trading, customer service chatbots, risk management, and regulatory compliance. Banks like JPMorgan and fintechs like Stripe use ML models across their entire product stacks.
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