Because of its expansive reach and technological capabilities, the fintech industry has painted the global economy in uncountable brilliant hues. Embedded finance is one such hue that has supplemented the success of many subsections within fintech. Embedded finance has undergone several stages of evolution to emerge as a necessity more than an augmentation in today’s digital age.

What is Embedded Finance?

Embedded finance, also known as EmFi, is the method utilized by non-financial organizations to provide their users with financial options, such as e-payments, money transfers, etc., on their websites and mobile applications. With embedded finance, non-financial organizations have the opportunity to integrate financial services and products with their portals and platforms.

The financial services and products are integrated with non-financial platforms through APIs (Application Programming Interfaces). APIs allow easy interaction and communication between software and applications, allowing different organizations to integrate their portals and services. 

Embedded finance has led to a revolution that has got everyone’s attention. APIs can enable all types of organizations to offer financial services to their customers for e-payments, insurance, or even credit.

The embedded finance industry has achieved a quantum leap in its success charts because of its applicability and scalability. The industry is expected to grow with a compound annual growth rate (CAGR) of almost 60% to over $7 trillion by 2030.

Some Examples of Embedded Finance

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Food Delivery Applications

Food delivery applications allow users to make payments using different methods, like credit or debit cards, online banking, virtual cards, UPI (Unified Payment Interface), cryptocurrencies, etc.

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Online Retail Shopping Applications

Apart from making e-payments using different methods for online shopping, consumers nowadays, are also offered instant credit in the form of BNPL (Buy Now, Pay Later). In BNPL, a third party makes the required payment on behalf of the customer to the merchant allowing the customer to make the payment at a later stage. 

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P2P Lending

P2P or peer-to-peer applications allow people to avail of instant credit from individuals who offer direct, small loans to borrowers for a nominal interest rate. 

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Travel Applications

Nowadays, apart from e-payment, travel applications also offer e-insurance for tickets and journeys to their customers at the point of sale. 

How Will Embedded Finance Impact the Growth of Fintech?

Embedded finance has caused an upheaval in payment systems globally. Non-financial organizations have the opportunity to integrate and offer financial services to their customers using APIs. Some of the streams of embedded fintech that are emerging as promising disruptors are: 

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e-Insurance

Insurance has always been an essential part of the commodity industry. In today’s digital age and with the rise in uncertainties, insurance has become one of the most relevant sectors in the financial system. Many non-financial industries have started offering insurance options to their customers, for example, the automobile industry is emerging as one of the top insurance providers for automobile purchases. Similarly, travel companies offer insurance for canceled trips and baggage loss. Such digital insurance is steadily gaining traction among non-financial platforms.

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e-Investments

Embedded finance has also enabled non-financial organizations to provide digital investment options. Acorns is a prime example of embedded financial investment options, which rounds up people’s change and invests it for them. Non-financial organizations integrate such services into their platforms to offer easy investment options.

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Digital Loans

BNPL is one of the most important fintech sectors rapidly bypassing traditional payment methods. Instant credit and digital loans powered and supplemented by artificial intelligence and big data are gaining ground with youngsters because of their promptness, quick verification, easy processes, and accuracy. 

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Online Banking Through Non-financial Platforms

Embedded finance is also advancing towards providing banking services through non-financial channels. With embedded banking, customers can link and update their personal information from non-banking channels, and perform other banking activities such as money transfers.  

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Best Practices for Embedded Finance

With its exponential usability, embedded finance has successfully disrupted many traditional financial methods. Because of the growing numbers, embedded finance has become a lucrative option for non-financial organizations. Here are three best practices for integrating embedded financial options in non-financial platforms:

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Compliances

All financial activities come with heavy regulations and compliances that all participants should abide by. Any breach or compromise of financial standards and regulations can cause immense damage to customers and the participating companies.

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Diversified Options

Although e-payments are widely implemented by non-financial organizations, diversifying their financial options would give companies an edge over their competitors. Companies should explore other financial services too, to tackle the growing competition in their respective industries.

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Solidified Core Competencies

There is immense pressure on businesses and companies to offer more than their competitors leading to companies diluting their core vision and competencies. As a best practice, companies should evaluate the relevance of all services to gauge whether they complement and uplift their core values, missions, and competencies or not.

Final Thoughts

Embedded finance is inundating the fintech shores with its reachability and extensive application. The fintech industry has witnessed astronomical growth in recent years by allowing non-financial companies to enter the fintech zone. The embedded finance industry is currently in its initial phase of development. There is immense scope for its usability, which promises an increasingly credible future. 

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Fintech is an increasingly competitive sector, where the level of dynamism is almost incomparable to most. One of the underlying reasons for fintech’s immense expansion in recent years has been its innovative capabilities. The pace at which technological developments are taking place is inspiring. Countless startups are continually emerging across different countries, gradually diluting the concept of fintech hubs. Such rapid evolution and developments have spiked the competition rates alarmingly.

Apart from innovation, companies are taking refuge under the umbrella of customer experience and services to tackle the turbulence of competition. Customer experience has gained importance enough to become a guiding light for fintechs. By basing their novelty and ideations on customer experience, companies can find their edge to compete in the global market. 

From mobile payments, online banking, and embedded finance to the blockchain, asset management, and investment analysis, fintech has evolved magnificently. The pandemic has acted as the catalyst, promoting fintech’s dynamism and development further.

Here are some of the methods widely applied by fintechs to up their customer experience game:

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The Role of Millenials

Millennials, also sometimes referred to as the digital generation, have tremendously influenced the topography of technological industries. Millennials have immense control over the crystallization of new ideas and innovations that eventually form the underlying structure of the fintech industry. Fintech companies are targeting the methodology of customizing their business missions to suit the needs of millennials, whose influence would eventually guide the innovation to either success or improvements.

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Personalized Offers and Prompts

To tackle the growing competition companies have devised plans to incentivize their consumers by offering personalized offers and prompts. By implementing gamification to serve customers, both fintech companies and financial institutions have immensely succeeded in attracting large customer bases to their services and products.

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The Power of Social Media

One of the strongest selling points for companies competing in the technological sector is their control and influence on social media. Social media has become one of the leading strategies that have helped numberless individuals and companies gain an audience, goodwill, customer loyalty, and more importantly, a platform that helps establish their brand. By establishing a prominent presence on social media, companies can connect with their customers on deeper levels, promote their products, missions, and beliefs through informal channels, and establish better communication and relationships with their past and potential customers.

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Enhancing Customer Control

By leveraging digitalization in their services and products, companies can give more power and control to the hands of their customers. Online banking, digital remittances, online trading, eKYC, and countless other services allow consumers to operate and transact from anywhere in the world. 

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Financial Education

With fintech gaining traction, the need for better and more efficient financial education has become vital. The fintech jargon is ever-growing, implying that users need to stay up-to-date to get the most benefit. Fintech companies are employing different methods to educate their customers to keep them well informed. Chatbots and embedded fintech education have transformed how consumers gain information about different products and services.

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Intuitive Designs and Language

One of the central ideas for enhancing customer experience in fintech is to design applications, products, and services websites with an intuitive user interface. The user interface has become an essential part of the marketing process, where applications are designed keeping the end-user in mind. The language and the interface are interactive and informal in most applications, allowing users to interact with chatbots to attain a better understanding. Such intuitive designs have proven very beneficial for top-performing fintechs.

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Customer Behavior and History

With the presence of the online sector rapidly growing, consumers now have various portals and platforms that allow them to interact directly with applications, transact, and perform other activities. Fintech companies gain leverage by collecting data about their customers, which gives them key insights into user behavior, expectations, and history. By employing technologies like artificial intelligence, fintechs can offer customized offers and prompts that otherwise would not be available.

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AI & Big Data

Technological advancements have led to the development of technology like artificial intelligence, cloud computing, and big data. Such futuristic technologies allow fintech companies to offer improved platforms and services to their customers. AI has been instrumental in advanced data analysis, enabling customer-focused decisions. Dedicated and customizable chatbots have become essential parts of websites and online processes owing to technologies like AI and Big Data.

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POS Services

Fintechs have established innovative channels to provide services to their customers. Providing embedded financial services like e-payments or BNPL (Buy Now, Pay Later) has become very popular across websites and applications. 

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Novel Technologies like Robo Advisers and Blockchain

Apart from technologies that have become a part of mainstream fintech, new technologies like blockchain, cryptocurrencies, robot assistants and advisers, etc., are rapidly gaining ground. Customers nowadays perpetually seek new and better ways to carry out their financial transactions. Blockchain technologies are ingenious, decentralized ledgers that provide very secure gateways to conduct large transactions using cryptocurrencies. Fintechs are also increasingly automating and digitizing several processes and core functions, like trading advice, investment and asset management, etc. New technologies such as Robo advisers assist users with investment and financial management decisions, which otherwise would be very cumbersome for most.

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Closing Words

New technologies are leading the innovation spectrum across different industries. Fintech has been the offspring of innovation and technology, making way for practical solutions. By automating several processes, making services available online 24*7, reducing lengthy paperwork, and more, technology is paving the way for happy customers. International remittances, large transactions, insurance plan comparisons, etc., are all possible now because of the technological competencies of fintech. Customer satisfaction has been the key driving factor for the growth of fintech, and it continues to guide fintech companies in their advancements.

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The fintech industry is one of the most successful industries of our time. The level of innovation and change employed by this industry is unparalleled. The fintech industry has proven beneficial by supplementing convenience and connectivity into our lives. From what started with credit cards and online banking to artificial intelligence and big data, fintech has created a niche in which very few industries can make a mark.

Out of the many innovations borne out of and because of fintech, using “Chatbots” is one of the most prevalent concepts in recent years.

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What are Chatbots?

Chatbots are automated communication tools employed by company websites designed to study human behavior and words and provide relevant information or solutions. Chatbot applications are augmented into websites and mobile applications as the first point of contact for viewers and consumers who require help or information.

Chatbots are made available on websites for consumers to ask questions, get navigational directions for the website, and get resolutions to their problems. The format of these platforms is in communication channels such as chats, messaging, or voice commands. The chatbots can be given an identity by naming them and defining their role within the application. 

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The Benefits of Chatbots

Chatbots are very efficient applications that have become a rage with web development. Almost all websites nowadays have chatbots installed to cater to their customers. These chatbots act as guiding tools for when customers feel lost while navigating through websites or when they have queries related to the products offered. Some of these benefits are:

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Quicker Replies

Chatbots enable live communication, thus implying quick automated replies and live chats. As soon as a consumer enters their query/question, the chatbot processes the words by running them through its set algorithms to produce relevant answers.

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Availability of 24*7 Service 

Since the internet is available to us 24*7, the presence of chatbots is also continuous. As soon as a viewer or customer opens the website, the option to communicate with a chatbot would perpetually be available.

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Saves Cost

Chatbots are ways to reduce human interaction to some extent. By automating replies and enabling 24*7 help online, companies can save on tremendous costs, which otherwise would be for paying salaries to their customer executives.

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Enhanced Customer Experience

Companies can substantially improve their customer service by offering chatbot services and their 24*7 availability on the websites. Customer experiences are enhanced when consumer queries are answered readily, without the restriction of time or place.

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Quality Data

An additional benefit that chatbots bring to companies is the data collected through their interaction with customers. Chatbots can help companies improve their websites, customer services, products, etc., by analyzing the problems reported by customers and their queries. 

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How Can Fintechs Benefit from Chatbots?

As chatbots are useful tools, most industries, like retail, travel, etc., have almost made them a mandate for all businesses. Fintech, in particular, employs chatbots in the following ways:

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24*7 Availability 

With digitalization entering the financial domain, everything has picked pace, including our expectations. With chatbots available on websites and mobile applications, companies can stay in the race without any compromises. Chatbots can quickly answer consumer queries and questions, making them an excellent service.

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Clearer Instructions and Guidance

Chatbots also give clear instructions and guidance to confused consumers by guiding them to the right page or helping them navigate through financial processes. Some companies have incorporated chatbots to singularly help consumers with their e-payment portals.

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Financial and Asset Management

Many companies have created chatbots dedicated to helping consumers manage their financial health. From real estate to the trade market, AI-powered chatbots have gained the role of financial friends that aid consumers in managing their finances and making decisions.

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Investments Analysis

Similar to financial management is the analysis of past and potential investments. Companies are now diversifying their business services to include investment planning and analysis by employing chatbots.

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Automated Fraud Detection

Fintech is a sensitive industry with access to people’s financial and personal data. Any breach of data or information can cause tremendous damage to the consumer and the company. Chatbots come in handy in this regard. AI-powered chatbots can be designed to detect fraud automatically. They are designed to read human behavior and language, which gives them the leverage of understanding if the customer interacting with them is genuine or not. Any fake accounts or interactions can be identified by chatbots right at the beginning of the customer journey.

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Conclusion

Chatbots have become a big part of the digital age. From big conglomerates to small businesses, almost all company websites are vouching for chatbots and their usefulness. The fintech spectrum particularly has witnessed added benefits with the employment of chatbots. Many companies, the world over, are exploring the different ways chatbots can be customized and used, enabling them to enhance their customer experience, and creating safe spaces for financial dealings and quicker turnovers.

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The fintech industry has grown leaps and bounds over the past few years. There have been uncountable instances of incredible innovations that have completely disrupted traditional financial systems. Currently, there are many thousands of fintech companies operating in this sector. America alone boasts more than 12,000 fintechs, making it the highest fintech number in the world. EMEA has reported close to 10,000, and the Asia Pacific region has around 7,000 companies successfully operating in the fintech space. The numbers are increasing continually by bringing newer advancements and innovations to the incredible fintech league. 

The fintech industry has led to a massive revolution worldwide, owing to its tremendous scope. With such an astronomical increase in valuation and numbers, the level of competition has shot up like never before. New startups are readily challenging the banking behemoths. The upheaval has led to many companies forming alliances to build on each others’ strengths and to cut down on the competition.  

There have been some massive merger and acquisition deals in the fintech industry. 2021 saw tremendous changes, and contrary to general expectations, the year saw the highest number of fintech exits. With such close-neck, intense competition, companies globally have borne the brunt, resulting in cross-border mergers and acquisitions. 

Some of the biggest mergers and acquisitions are mentioned below. 

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Square and Afterpay

In August 2021, Square announced its plans to acquire Afterpay in an all-stock deal set at $29 billion. Afterpay is an Australian Buy Now, Pay Later (BNPL) firm. The BNPL sector in fintech is one of the most successful sectors that has disrupted the credit market. Square is an American payment tech company headquartered in San Francisco that has closed the deal intending to acquire Afterpay, whose sales crossed $4 billion at the beginning of 2021. 

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PayPal and Paidy

PayPal is one of the leading fintechs in the world that has achieved a native status in many countries. Paidy is a Japanese BNPL service provider valued at over $1 billion. BNPL has been a lucrative sector in the fintech space that has earned immense attention. With its massive growth in 2021 alone, it is no wonder that fintech leaders like PayPal are eyeing already established BNPL providers to expand their businesses. The deal between the two companies was agreed at $2.7 billion.

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Visa and Tink

Visa is one of the oldest fintech leaders in the world. Tink is a European open-banking platform that has provided its cloud-based technologies to almost 3,400 banks. In March 2022, Visa completed Tink’s acquisition by paying $2.5 billion. 

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Mastercard and Aiia

In September 2021, MasterCard signed an agreement with Aiia. MasterCard is a well-known fintech giant, and Aiia is an open banking service provider based in Denmark, catering to the European market. MasterCard aims to expand into open banking by tying up with Aiia. 

Bill.com and Divvy

Bill.com is a cloud-based money management platform that necessitates easy creation of bills, completion of e-payments, and receipt of invoices and payments. Divvy provides expense management services to businesses. Bill.com’s acquisition of Divvy has strategically reinforced its position as the leading expense management provider.

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PayU and BillDesk

BillDesk, an Indian fintech leader, has been acquired by PayU, the payments, and fintech provider of the parent, Prosus. The acquisition amounted to $4.7 billion. Prosus’s aim in acquiring BillDesk is to combine the fintech services of PayU and BillDesk and pave the way to reach BillDesk’s humungous customer base.

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Klarna and Stocard

Going against the currents, the leading BNPL provider Klarna has acquired Stocard, a German fintech that offers payment aggregation and payment services. Stocard’s customer base is over 60 million consumers giving Klarna a strategic edge over other mobile e-wallets, payments, and BNPL service providers. 

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Broadridge Financial Solutions and Itiviti

In May 2021, the leading financial services provider Broadbridge acquired Itiviti. Itiviti is a leading technology provider based out of Stockholm that aims to promote connectivity and related solutions across the global capital markets. The acquisition deal was agreed at $2.5 billion.

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NatWest and RoosterMoney

One of the leading banks NatWest acquired RoosterMoney, a British fintech. RoosterMoney caters to a slightly different clientele which comprises children and their parents. The application provides e-wallets that allow parents to allocate allowances to their children based on the chores they complete. The focus of RoosterMoney is to help children gain essential monetary lessons at a young age by providing an incredible platform. NatWest’s acquisition of RoosterMoney has been one of the wisest decisions.

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NCR and Cardtronics

NCR Corporation won the bid for the acquisition of Cardtronics, a non-bank ATM provider that has more than 285,000 ATMs in 10 countries. NCR is one of the biggest technology providers for different enterprises, such as banks, retailers, restaurants, etc. NCR’s move to acquire Cardtronics’ technological capabilities has provided strategic leverage in the fintech sector.

 These are some of the biggest acquisitions that have taken place over the last year. There has been an immense rise in the number of acquisitions and mergers taking place in the fintech spectrum in recent years. 

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Fintech has become one of the hottest industries in the last few years. Thanks to technology’s mammoth scope and potential, fintech has successfully disrupted traditional processes and paved the way for novelty and innovation. With countless fintech startups and companies emerging globally, the regulation and compliance landscape within fintech has been compelled to increase its agility. New technologies, ideas, and innovations are continuously evolving, keeping regulatory bodies, agencies, and governments on their toes.

Fintech has branched out to include a diverse stream of financial services, ranging from customer service, cryptocurrencies, and remittance to insurance, digital assets, and digital investments. Although fintech has gained immense ground worldwide as more countries actively turn their wheels toward digital innovation, a massive area remains unexplored, making it mandatory for the world to gear up for more fintech dependency. 

The regulatory environment of fintech has remarkably kept up with the perennial developments disrupting the financial sector. But with such immense changes taking place at domestic and international levels, the race for monitoring regulatory practices among all fintech organizations has only grown more intense.

Fintech supplements fewer boundaries, broader connectivity, data collection and analysis, and quicker transactions, making it highly vulnerable to financial risks. Data has become one of the most valuable assets any entity can own. With companies continuously storing personal data, the risk of data manipulation, cyber threats, and attacks become even graver in the financial spectrum. Such threats and risks demand streamlined systems, up-to-date regulations, futuristic protocols, and extensive monitoring of all fintech activities.

Challenges Faced by Regulations and Compliance

Nothing good comes without challenges. Regulations are hindered continuously from overpowering the fintech landscape. Some of these challenges are:

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High-Cost

Compliance and regulations are expensive. Exploring and adhering to all the different standards and regulations that could impact the business potentially can become painstaking tasks for most, resulting in lag from startups and other fintech organizations to fulfill these requirements.

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Continuous Development

No road reaches the end of fintech completion, implying that developments and innovations in this stream of technology remain endless. With a colossal potential for growth, the compliance sector within fintech can never rest. Regulations and compliances are obligated to stay ahead of novel ideas and innovations, which could potentially disrupt the system.

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Endless Risks

The riskiness of venturing into fintech increases as financial data gains importance. Data breaches, manipulation, cyber attacks, etc., continuously hang in front of regulatory agencies, compelling them to relentlessly strive towards tackling such crimes.

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 Exposure to Technology

There is immense exposure to top-rated technology worldwide, which equips cyber criminals with better vantage to manipulate data for their benefit. Pausing or reducing such exposure to innovative technology would significantly impact the positive side of fintech novelty.

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Continuous Investment

Regulations and compliance are a continuous investment, requiring companies to keep track of new and updated regulations. Expecting all fintechs to persistently invest their time and money into adhering to new standards and protocols can result in considerable gaps. 

Here is where the need for compliance to be strategically agile comes into play. 

To produce the most effective results and remain actively agile in these times of constant fintech development, the prioritization of the following areas in the regulatory spectrum of fintech becomes important: 

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Data Privacy

As data gains more value, the need to protect data from breaches and manipulation becomes critical. Financial data breaches can cause monumental damage, making it one of the most vital sectors for regulations to focus on. By employing technology or developing standards that strictly regulate or mandate certain activities, regulations can attain the upper hand.  

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Initial Phase of Development

Compliances should also focus on regulating business activities from their onset or developmental stage. Once the initial phase has been monitored, assessed, and cleared, only then should businesses be allowed to expand. Such monitoring can also include “sandboxes” which would help analyze new technologies and increase overall security and safety. 

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Blockchain Technologies

Blockchain technology has proven to be immensely secure as it increases transparency and removes power from the hands of a few by making data available to everyone. Such transparency and decentralization can positively affect the workings of the fintech industry. By expanding the application of blockchain technology, data and financial security can be increased substantially.

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Final Notes

Regulations and compliance are integral parts of the fintech world, which would crumble down if not for these standards and protocols. Not only do regulations make the fintech environment secure and safe, but they also act as guiding principles for companies. Increasing transparency and the strategic agility of regulations and compliances can reinforce this protection shield. The future of fintech is unimaginable, making it obligatory for regulatory bodies to increase their effectiveness.

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Innovation is a crucial part of growth and evolution. The innovative capabilities of technology have caused a ripple effect on all other industries that are associated with them. Fintech is the outcome of one such coalescence between finance and technology. Most of us would agree that finance is one of the key elements that drive our world. With finance attaining technological supplements, there is little doubt about how far this industry can go. 

However, with the world expanding because of the growing technology and human population, the sharp edge of the sword continuously falls on nature and our environment, shortening the life of our planet. Extensive forested areas have been shaved off to make space for colonies and residences. Nature has lost its capacity to accommodate more trash and garbage that we humans are relentlessly creating.

As climate change overpowers most of our conversations and discussions, the search for sustainable solutions in prime industries like fintech has shot up like never before.

In today’s article, we explore how fintech can help create sustainable “greener” solutions, which would help the industry and the entire planet.

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Sustainability and Fintech

Sustainability has become of our key targets when it comes to world functions and systems. Fintech’s boundless scope can help create many sustainable solutions, like the following:

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Paperless Transactions

Going paperless has been fintech’s biggest strength ever since its onset. The financial industry’s digitization was based on the idea of doing away with paper. Of course, at that time, the focus was more on efficiency and technological benefits than sustainability.

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Greener Technologies

Fintech has newer, better technologies, like artificial intelligence, machine learning, big data, etc., rendering it a powerful position in the world. Through these technologies, the fintech industry can create greener supply chains, increase transparency, and liquidate the involvement of more middle members, thus helping build a more sustainable setup that reduces waste.

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Measure Carbon Footprints

Companies are gradually getting compelled to be more environment-oriented. The dealings and systems of fintech companies are digitized, which can help them monitor and track their carbon footprints. By monitoring their carbon footprints, fintech firms can identify which activities create larger carbon footprints, thus guiding them to more sustainable futures. 

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Switch the USP

As more customers grow conscious about climate change and sustainability, there is a growing need for more sustainable brands. Not only in fintech, but companies in all industries can make sustainability their USP by employing more sustainable choices.

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Top Sustainable Fintech Companies

Numerous fintech companies are changing their business models to accommodate more sustainable choices and ideas. While most of these sustainable fintech organizations are newer companies starting to build their business on the futuristic concept of sustainability, some older companies too, are trying to pave the way to include more sustainable solutions in their businesses. The companies mentioned below are some of the most influential fintech companies in terms of sustainability.

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TreeCard

As its name suggests, TreeCard has come up with a brilliant idea of doing away with plastic cards and creating cards out of recycled waste. The company currently caters to the European market, where it makes its cards out of waste plastic and wood. TreeCard gives almost 80% of its profits to reforestation agencies and organizations to help reverse deforestation by planting more trees. Apart from recycling and reforestation, the company is also involved in many other activities focused on sustainability.

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Aspiration

Aspiration is an American bank with two core missions; one of funding environmental projects worldwide and the second of tackling big oil corporations to curb them from ruining our planet. The company also rounds up and diverts the small change earned from customer transactions to plant trees.  

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Starling Bank

This British bank has become one of the most sustainable companies by going 100% paperless and digital. The prime quality of the Starling Bank is that it runs on renewable energy. The bank has actively championed recycling plastic to produce their debit cards and reforestation to cut carbon emissions.  

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Triodos Bank

The Triodos Bank is another British bank that has also set a stellar record in sustainability. The bank only partners and associates with sustainable and environment-friendly businesses and goes on to publish its data, which reinforces its commitment to sustainability.  

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Clim8

Clim8 is a London-based company committed to bringing sustainable investments to its clients. The company enables environment-focused investments that not only give good monetary returns but also save and nurture the environment.

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Final Thoughts

The ideas behind each of these businesses are incredible and inspiring. The world is in immense danger with rising sea levels, global warming, climate changes, etc. Most of us are aware of the environment being in grave danger. With industries like fintech stepping up to the challenge of improving our environment’s health, an instant hope rises in our hearts, speaking of a brighter future. Sustainability is crucial for our future, and fintech realizes it like no other.

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