🚀 Welcome to What The Fintech - your weekly dose of electrifying insights, game-changing breakthroughs, and dazzling trends from the pulse-pounding world of fintech across Hong Kong, Singapore, China, and Asia! As your go-to source for top headlines and industry insights, we're here to keep you updated on the latest innovations revolutionizing the way we think about finance and technology in this dynamic region.
Prepare to embark on a thrilling adventure through the digital landscape as we explore the ground-breaking developments, visionary startups, and trailblazing trends that are shaping the future of finance in Asia and beyond. So buckle up, grab your favorite beverage, and get ready to ignite your curiosity with the latest and greatest from the fintech universe! Let's dive in! 🌊💡💸
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What The FinTech Episode 65 - TenPay
https://podcasts.apple.com/us/podcast/wtf40-wenhui-yang-tenpay-tencent-pay-the-second/id1624878971?i=1000621583080
I had the distinct honor of sitting down with the visionary Wenhui Yang from Tenpay Global (Tencent) at Money20/20 in #Amsterdam. A captivating conversation on stage, now available to you in our latest podcast episode! 🎙️🌐
In this in-depth discussion, Wenhui provided enlightening insights on the concept of #borderlesspayments. From Tenpay's journey and its role within the Tencent ecosystem to serving varied customer segments, it was a deep-dive into the world of global payments. 🌍💳
We also painted a picture of the future – envisioning a world with seamless, cross-border transactions. Wenhui shared the challenges they've faced, the technologies that are making this vision possible, and how they plan to continue innovating in this space. 🚀
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🎧 Tune in for a treasure trove of fintech insights!
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Stay tuned for more engaging conversations right here on "What The Fintech!" 🔥
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What was the FinTech this week in: 📰
HONG KONG
HSBC has poached SVB’s Asia team in Hong Kong
Morgan Stanley's new Asia head is a big Hong Kong fan
Citibank brings secure digital transaction functions to Hong Kong
IDEX biometrics and Goldpac of Hong Kong deploy biometric smart cards globally
HSBC has poached SVB’s Asia team in Hong Kong
HSBC has hired the former Asia team Silicon Valley Bank as it continues to bolster its new innovation banking business with the remnants of the collapsed lender‘s people operations. HSBC is understood to have hired a 12-strong team led by Bo Hanson, who has been appointed managing director and head of global fund banking for HSBC Innovation Bank. Hanson was previously head of global fund banking for SVB in Asia and has joined HSBC with a number of his former colleagues.
Morgan Stanley's new Asia head is a big Hong Kong fan
Michael Levin is back in Hong Kong. Morgan Stanley announced that it hired Levin as its head of investment management in Asia in May, and Levin - who joined from Goldman Sachs, has just appeared in his new role after an appropriate period of gardening leave. Levin spent nine years working in Hong Kong with Credit Suisse before he moved back to New York with the bank in June 2020, at the height of the lockdown. He subsequently spent under a year working as a managing director with Goldman Sachs in New York (his FINRA registration suggests he was never actually registered with the firm in the US).
Citibank brings secure digital transaction functions to Hong Kong
Citibank has introduced Hong Kong‘s first ―QR code authentication function‖ to conduct identity verification when conducting online banking transactions or handling services. The company has launched the new Citi Mobile App Transaction Authorization Service to authorize online shopping directly in the Citi Mobile App through push notifications, enhancing the security measures of mobile banking. Additionally, Citibank has launched an upgraded version of Citibank online banking, providing customers with a seamless financial experience and several new functions, allowing customers to enjoy an omni-channel online banking experience, and enhanced online banking protection on different devices or devices. When customers conduct transactions or handle services on Citibank Internet Banking, they can scan the encrypted QR code through the Citi Mobile App on the verified mobile device. They can then enter the account password or complete biometric authentication to confirm the transaction. Each account can only use one registered mobile device for QR code authentication at a time; dynamic QR codes are more secure than one-time password SMS authentication (OTP) and support more suspicious transaction monitoring measures. ‗Citi Mobile App Transaction Authorization Service‘ authorizes Online Shopping to provide customers with a safer banking experience. Customers who shop through 3D Secure on the online merchant page will receive transaction authorization push notifications immediately. The new interface design will make the online financial management process easier. Customers can enjoy a consistent and seamless interoperable interface design when using Citibank online financial management on different devices or devices. With the newly added functions, they can self-finance anytime and anywhere. Newly added key features include: Comprehensively improved investment experience: Through optimized stock and fund trading functions, customers can easily manage their wealth. Enhanced payment function: All transfer functions can be used on different devices. Provide exclusive privileges: Provide suitable financial products and services in response to customers‘ needs.
IDEX biometrics and Goldpac of Hong Kong deploy biometric smart cards globally
IDEX Biometrics has teamed up Goldpac Fintech Hong Kong to issue biometric smart cards based on the former’s fingerprint solution for payments and identity access globally. Goldpac Fintech Hong Kong is Goldpac Group’s international business arm. Goldpac Group is a payment cards supplier and has a presence across more than 30 countries, with more than 1,700 customers consisting of large and medium-sized domestic and international issuers and financial institutions. Goldpac is certified by Visa, Mastercard, China UnionPay, JCB, American Express, and Diners Club, and has an annual manufacturing and personalising capacity of 300 million payment cards. With these capabilities Goldpac is well positioned to spearhead the commercialisation of biometric payment cards in Asia and globally.
SINGAPORE
Grab acquires Singapore’s third-largest taxi operator Trans-cab
Digitec opens office in Singapore
Opn joins Atome to offer BPNL payments in Malaysia & Singapore
Grab acquires Singapore’s third-largest taxi operator Trans-cab
Singapore‘s ride-hailing and food delivery company Grab has signed an agreement for its car rental unit Grab Rentals to acquire Trans-cab, the city-state‘s third-largest taxi operator. The acquisition will allow Grab to provide a more extensive base of drivers. Grab wants to address Singapore‘s driver shortage issue as ride demand rebounded after the city state lifted the pandemic restrictions. The purchase comes just a month after the Southeast Asian super app operator laid off more than 1,000 employees, or about 11% of its staff. Trans-cab drivers will join the Grab platform and receive benefits provided to the current Grab drivers, including free coverage through Grab‘s Personal Accident Insurance and access to the Grab Academy program, which helps the drivers learn skills, including data analytics and digital marketing. Rewards through loyalty programs also will be provided to the drivers. Grab plans to integrate its driver application into Trans-cab‘s mobile display units to digitize the business. Grab‘s technology will enable Trans-cab taxi drivers to manage their earnings and receive bookings from Grab‘s platform and the existing call center of Trans-cab.
Digitec opens office in Singapore
DIGITEC, the global standard for FX Swaps and NDF pricing and data, announced the opening of its new office in Singapore, managed by Christopher Johnson. Christopher Johnson has joined as Head of Asia to lead new business in the region. Christopher has worked in FX sales and trading for more than 25 years. He joined DIGITEC from BNY Mellon in Singapore where he was Head of eFX and G10 Spot Trading for APAC. Previously he worked at LSEG/Refinitiv in Singapore and Switzerland, in FX sales and relationship management. During his career he has also worked in FX at UBS, WestLB, Raiffeisen Switzerland and Credit Suisse. Part of DIGITEC‘s global growth strategy, opening the new office is in response to a growing number of enquiries from banks and trading desks located in Singapore. The office brings DIGITEC closer to its Asia-based clients and prospects and offers access to many regional FX trading hubs.
Opn joins Atome to offer BPNL payments in Malaysia & Singapore
Opn, a Bangkok-based financial solutions company, has announced that its online payment platform, Opn Payments, has commenced offering Atome, a Buy Now Pay Later (BNPL) payment method, in Malaysia and Singapore to meet the increasing demand for flexible payment options. Atome enables consumers to conveniently spread out purchase payments into three equal instalments over three months without additional fees or interest. Merchants will receive the full payment upfront. The popularity of BNPL is surging in Malaysia and Singapore, as the payment option offers easier access to credit and higher purchasing power, especially for consumers without credit cards. Through Opn’s integration with Atome in Malaysia and Singapore, retailers utilizing Opn Payments can tap into Atome’s extensive customer base, exceeding a million users in Malaysia and Singapore. The enhanced affordability offered by the BNPL system empowers consumers to make purchase decisions for larger-ticket items, leading to increased conversion rates and basket size for merchants.
CHINA
Alipay and WeChat Pay add links to Visa and Mastercard
China's digital yuan hits $250 billion milestone
Ant Group appoints Peng Yang as president of international business
China addresses investor concerns in a meeting with global VC, PE funds
China's computing power ranks global No. 2, with rapidly growing AI models
Alipay and WeChat Pay add links to Visa and Mastercard
Visitors to China can now link their Visa and Mastercard accounts to the country's most popular mobile payment applications, Alipay and WeChat Pay. Overseas users of the platform can now link Visa, MasterCard, Diners Club, and Discover cards to their mobile wallets. Tencent, the owner of WeChat, which is known in China as Weixin Pay, that users of the app can now link their cards issued by Visa, Mastercard, JCB, or Discover to make payments to tens of millions of merchants in China. These new partnerships will provide much-needed convenience to foreigners so they can easily navigate the cashless Chinese payment world that racks up $434 trillion worth of transactions each year.
China's digital yuan hits $250 billion milestone
China's central bank digital currency has passed $250 billion in transactions within one-and-a-half years of its launch. Yi Gang, the governor of the People‘s Bank of China, revealed the milestone at a conference hosted by the Monetary Authority of Singapore. Yi Gang said the digital yuan has recorded over 950 million transactions, from 120 million wallets. The Chinese Government has made steady progress in seeding the digital currency across the country, with all banks and digital wallets from Alipay and WeChat onboard. The next phase will see salary payments for public sector employees paid in digital Yuan, alongside the commencement of cross-border payment trials with neighboring countries.
Ant Group appoints Peng Yang as president of international business
Hangzhou, China. Ant Group announced the appointment of Peng Yang, Senior Vice President of Ant Group, as the President of the Company‘s International Business Group (IBG). Peng Yang reports to Eric Jing, Ant Group‘s Chairman and CEO. Ant Group is grateful for Angel Zhao's enormous contribution to our international endeavor. Going forward, Angel will aid Eric Jing, Chairman and CEO of the Group, in future-oriented strategic planning with her rich experience and global vision.
China addresses investor concerns in a meeting with global VC, PE funds
Chinese regulators met with global investors on Friday, stepping up the government‘s bid to boost market confidence as the country‘s economic recovery loses steam. China Securities Regulatory Commission vice-chairman Fang Xinghai met with some global venture capital and private equity firms to hear their concerns about investment in the country, the people familiar said. Among those present were Neil Shen, founding partner of HongShan —formerly known as Sequoia Capital China — and an executive from Warburg Pincus. Neither agency immediately responded to requests for comment outside of business hours, nor did HongShan. A Warburg Pincus representative declined to comment on the matter when contacted by text message. The rare meeting with global funds comes after Chinese President Xi Jinping‘s administration voiced its strongest support in recent years for the country‘s private tech enterprises just days earlier. The government‘s efforts, however, have been met with skepticism, as investors call for more concrete measures and stronger stimulus to revive growth. Topics discussed at meeting included steps that can be taken to ensure global funds can continue to invest in China, the people said. Regulators were urged to expedite procedures for overseas initial public offering registrations, accelerate listings in mainland China and relax merger-and-acquisition rules.
China's computing power ranks global No. 2, with rapidly growing AI models
China's total computing power now ranks the world's No.2 with an annual growth rate of about 30 percent. The country is growing its high-quality artificial intelligence (AI) computing power and algorithm development, the Ministry of Industry and Information Technology (MIIT) said. Chinese firms have deepened their AI models in vertical industries such as literature, document processing, video creation, and tourism, which has helped the country to boost innovation and economy. AI computing power accounts for more than half of the new power as a major growth engine. China's AI computing industry revenue was predicted to hit 4.4 trillion yuan (US$610 billion) by 2025, resulting in rapid growth and trillion-yuan-level opportunities, according to an industry report by KPMG and Lenovo. In July, several AI large language models (LLMs) made their debut, targeting vertical industry applications. China Literature, the biggest online reading platform in China, released the Miaobi AI model as the first LLM in the literature industry on Thursday. Last week, China's top tourism platform Trip.com also released its own AI model in Shanghai. Every dollar invested in computing power would lead to 3-4 times more GDP economic growth, according to a separate statement released by MIIT.
ASIA
Japan to catch up on gen AI with a new supercomputer
South Asia Ex-India’s burgeoning fintech opportunities
Bank of Korea ‘massively expands’ CBDC research
Stripe partners with Staytion to power payments
Finture introduces digital banking in Southeast Asia
Thai crypto exchange Bitkub looks to gaming to expand market presence
TikTok Signs Payment Pact With Atome for Malaysia E-Commerce
Indonesia launches state-backed crypto exchange and clearing house
Samsung to counter Apple Pay by not charging fees on Samsung Pay
Tala Money App gains 800,000 new customers in first half
Elliptic & FOMO Pay partner to ensure Digital Asset Compliance in Asia
Touch ‘n Go launches GOremit to enable digital payments in APAC
Japan to catch up on gen AI with a new supercomputer
Japan needs to catch up in the generative artificial intelligence (AI) race. While countries like the US, China, and European Union (EU) are leading with their algorithms, Japan’s lag is attributed mainly to its shortcomings in deep learning and extensive software development. The upside is that the Ministry of Economy, Trade and Industry (METI) has plans to introduce a new cutting-edge supercomputer through its affiliated laboratory to support the development of generative AI in Japan. According to Nikkei, the plan is for the National Institute of Advanced Industrial Science and Technology (AIST) to develop a supercomputer with a computing capability roughly 2.5 times greater than its existing machine as early as 2024. Under METI’s supervision, the research arm will make it available to domestic companies developing generative AI through a cloud service. AIST, one of Japan’s most prominent research institutes, plans to establish a new research center for supercomputers and quantum technologies in July. METI will provide 32 billion yen (US$226 million) to finance the installation of facilities.
South Asia Ex-India’s burgeoning fintech opportunities
The payments segment in growing fast in all three countries, while digital banking is ascendant in both Pakistan and Bangladesh. Meanwhile, Pakistan is fast-tracking the approval of digital banks, given half of its population of 220 million lacks a bank account. In January, the State Bank of Pakistan announced the winners of five digital banking licenses. They include Easy Paisa DB, Hugo Bank, KT Bank, UAE -0.5%-backed Mashreq Bank and Kuwaitbacked Raqami. With a population of 169 million, of whom 40% to 50% lack a bank account, Bangladesh is a prime candidate for digital banks. With that in mind and considering the government‘s digitization and financial inclusion goals, we expect Bangladesh will be relatively swift in getting the digital banks up and running. Under digital banking draft guidelines, the online lenders will be required to issue customers bank cards and QR codes as well as use ―advanced technologies‖ like artificial intelligence, machine learning and blockchain to facilitate transactions. Bangladesh‘s online banks must have paid-up capital of 1.25 billion taka ($11.55 million) each, considerably lower than the requirement for conventional banks of 5 billion taka. To address the lack of interoperability among banks and e-wallets in the country, Nepal launched a national payment switch in November 2021. Nepal Rastra Bank's (NRB) monthly payment system indicators show 7.7 million QR-based payment transactions valued at Rs23 billion ($175.2 million) from mid-March to mid-April, compared to just 800,000 valued at Rs2.7) billion ($20.6 million two years ago. For instance, on June 1, India and Nepal inked a cross-border digital payments MoU that is expected to improve the convenience of digital transactions for businesspeople, students, and tourists from both countries. To that end, Ant has a 20% stake in Bangladesh‘s leading e-wallet bKash, which will likely apply for a digital banking license. It has a 40% stake in Pakistan‘s Telenor Microfinance Bank which it purchased back in 2018 from Norwegian mobile operator Telenor ASA for $184.5 million. Further, Easy Paisa DB, one of the winners of a digital banking license in Pakistan, is a joint venture of Telenor Pakistan and Alipay.
Bank of Korea ‘massively expands’ CBDC research
The Bank of Korea (BOK) has now ―massively expanded‖ the resolute CBDC staff to meet growing demands for research into system designs and institutional issues. It also reflects on its recent CBDC experiments, which have included work with 14 banks on things such as DLT payments for digital assets and cross-border transactions. Against the backdrop of falling cash usage and accelerated digital transformation, the BOK has been stepping up efforts to assess the desirability and viability of a potential digital won. In 2021, the share of cash payments fell below fifteen percent in terms of value and 22% based on the number of transactions, prompting the central bank to start laying the foundations for a hypothetical launch. Additionally, the BOK conducted two simulation projects between 2021 and 2022 to evaluate the feasibility of selected design models and build the technical foundation for a potential CBDC system. The first involved the creation of a cloud-based virtual testing environment to simulate the most basic CBDC functions – minting, issuance, circulation, redemption, and destruction – as well as some extended functionalities, including offline transactions, purchases of digital assets, and cross-border payments. These various components were then retested ―in an environment that was closer to real-world settings‖ cooperating with 14 commercial banks and the Korea Financial Telecommunications & Clearing Institute (KFTC), which manages several interbank payment systems.
Stripe partners with Staytion to power payments
Financial infrastructure platform Stripe has partnered with digital platform Staytion to power payments in Southeast Asia, including Singapore, Malaysia, and Thailand. A one-stop platform of on-demand spaces in the region, Staytion leverages Stripe to facilitate simplified and secure payment subscription services for over 300 partners and their customers using the coworking and lifestyle spaces located in and around train stations. The collaboration seeks to support the trend of workplace flexibility where businesses can offer their employees easy, on-demand access to conducive workspaces in an increasingly hybrid environment.
Finture introduces digital banking in Southeast Asia
Indonesia‘s Finture has introduced Southeast Asia‘s first digital banking and credit card products to help Japanese companies develop new markets and has gained over 1 million users. The start-up company has launched digital banking and credit settlement services to its self-developed credit settlement platform YUP, driving digital transformation in the region and enabling Japanese companies to develop new growth markets. With the widespread adoption of smartphones, consumer expectations for digitization and personalization are increasing. Without physical branches, digital banks are customer-facing, allowing them to reach customer segments that are inaccessible to traditional banks.
Thai crypto exchange Bitkub looks to gaming to expand market presence
Thailand’s largest digital asset exchange, Bitkub, announced a partnership with Bangkok-listed game publisher Asphere in an effort to reverse the local industry’s fortunes after last year’s “crypto winter.” Asphere, the publisher of hit games, including Ragnarok Online, bought a 9.22% stake in Bitkub Online exchange from Bitkub Capital Group for THB 600 million (USD 17.5 million). Bitkub hopes to combine its blockchain infrastructure with Asphere’s content offerings and user base of 180 million people across six Southeast Asian countries. Investing in Bitkub is also a strategic move for Asphere to expand beyond game publishing to blockchain, media and marketing, and venture capital. South Korean gaming companies have made similar investments in crypto exchanges. Asphere and Bitkub in September launched Kubplay Entertainment, a joint venture to develop platforms for blockchain-supported gaming. The venture’s first rollout this year will be TSX, a version of an online game set in ancient China, where players can buy and hold in-app assets, and receive rewards denominated in kubcoin, Bitkub’s native cryptocurrency.
TikTok Signs Payment Pact With Atome for Malaysia E-Commerce
TikTok’s e-commerce arm struck a partnership with fintech platform Atome, part of Advance Intelligence Group, to expand its online retail push in Malaysia. Atome will offer its “buy now, pay later” service as a payment option on TikTok Shop in Malaysia. ByteDance Ltd.’s TikTok plans to invest billions of dollars in Southeast Asia over the next three to five years, betting on the region to spur growth for its e-commerce arm and take on incumbent online retailers such as Sea Ltd. and Alibaba Group Holding Ltd. Malaysia’s two biggest e-commerce players by market share, Sea’s Shopee and Alibaba’s Lazada, also offer BNPL payment options.
Indonesia launches state-backed crypto exchange and clearing house
The Indonesian commodities futures regulator has established the country's official cryptocurrency exchange as part of its efforts to regulate the fast-growing digital asset space. Additionally, the regulator has established a clearing house for digital assets. The latest development is part of the efforts by the CoFTRA to regulate the fast-growing digital asset space. The number of registered crypto users in the country is 17 million from a population of approximately 300 million. The crypto bourse and clearing house were initially planned to be launched before the end of 2021 but were postponed, the latest being in June. Additionally, CoFTRA is planning to work with other financial institutions, including the Bank of Indonesia, the Financial Services Authority, and the Ministry of Finance, to mitigate the risks associated with the trading of digital assets. The regulator is also planning to engage the public to identify such risks.
Samsung to counter Apple Pay by not charging fees on Samsung Pay
Samsung will not charge any fees to card companies that are compatible with Samsung Pay. With this move, the South Korean firm plans to counter Apple Pay. A few weeks ago, Apple launched Apple Pay in South Korea, and as usual, Apple charges a fee (around 0.15%) for each transaction made. And it was expected that Samsung would hold a meeting with all its partner banks and card issuers to change the terms of their agreement and introduce a transaction fee. Local card companies in South Korea were concerned that Samsung Pay would turn into a paid service, and it was estimated that they would have to pay anywhere between KRW 70 billion (around $55 million) and KRW 100 billion (around $79 million) in annual commission if that happens. It was also estimated that some of these charges would also make it to card users. After Samsung‘s decision in South Korea, the same can be expected in other countries where Samsung Pay is available.
Tala Money App gains 800,000 new customers in first half
Tala added 800,000 new customers in the first half of the year — a 114% increase in growth compared to the first half of 2022.More than 8 million customers across four markets — Kenya, India, the Philippines, and Mexico — are now using the money app for the underbanked. The Tala platform‘s users are accessing more than 3 million loans each day and $100 million in origination every month, according to the press release. Tala is bridging digital and cash ecosystems to help customers manage their financial lives, processing nearly $200 million in transactions monthly.
Elliptic & FOMO Pay partner to ensure Digital Asset Compliance in Asia
Elliptic, a London-based crypto asset risk management has partnered with FOMO Pay, a payment institution in Singapore that aims to build a cohesive payment ecosystem in Asia with seamless interoperability between fiat and digital currencies. With Elliptic‘s solutions, FOMO Pay can maintain comprehensive digital asset compliance capabilities in a fast-growing and increasingly regulated market. FOMO Pay utilizes the RiskTech firm‘s wallet intelligence tool to screen digital currency wallets and its transaction intelligence functionality to screen transactions in real time. The RiskTech firm‘s multi-asset screening tool also enables FOMO Pay to trace cross-asset and cross-chain activities. Through strategic system implementation, FOMO Pay has successfully enhanced its capabilities to support larger volumes of platform flows, elevate the client experience, minimize friction, and ensure adherence to anti-money laundering (AML) and crime-prevention obligations.
Touch ‘n Go launches GOremit to enable digital payments in APAC
Touch ‘n Go, a Malaysia-based FinTech company has launched its digital remittance services, GOremit in the Touch ‘n Go eWallet, to innovate and drive inclusivity across products and services. With GOremit, users can send money securely to five Southeast Asian countries namely Indonesia, the Philippines, Singapore, Thailand, Vietnam, and other countries in the Asian region including Bangladesh, India, Nepal, Pakistan, and Sri Lanka. The launch of GOremit has expanded the promotion of accessible financial services to the masses. It caters to underserved communities, foreign workers, international students, and expats, providing them with a safe and convenient solution to send money back to their home country. Senders must complete their verification via e-KYC to use GOremit services and can choose to transfer to the recipient‘s bank account, local eWallet, or to cash pick-up points. All transactions are done conveniently and securely through the eWallet, and users can view all transaction history from a single platform. Push notifications will be sent to users on the progress of their money transfer, and they can view the status of any ongoing remittance in the Touch’n Go eWallet. Users can also add and create new receivers by entering the required details in their eWallet. Similarly, if they wish to remove an existing receiver profile, they can do so by tapping the delete button on the page of their eWallet.
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And that's it for this week's What The Fintech 🎉 We hope you've found our selection of Asia's fintech trends, innovations, and insights both informative and valuable. Your feedback and suggestions are important to us, so please share your thoughts to help us curate content that matters most to you. 🌟
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Until next week, keep exploring the future of finance together! ✨
Your Fintech Navigator,
Medhy
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An enjoyable read. Thanks, Medhy.