Blog
What we’re thinking about engineering, AI, and product
Perspectives on engineering, AI, and digital transformation from our team.
Insight
Voice banking, biometric authentication and the rise of passwordless banking
For decades, financial institutions relied on long, complex passwords as the main barrier between accounts and fraud. Customers were asked to memorize…
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PIX without borders: how Brazil’s instant payment revolution redefines global finance
While the U.S. is still scaling FedNow, Brazil has already turned PIX into a mass-market infrastructure for instant payments. Fast, low-cost, and…
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Embedded insurance and lending as the next wave of API-first financial products
By 2030, the U.S. embedded insurance market could exceed USD 40 billion, while embedded lending continues to accelerate through Buy Now, Pay Later and…
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API rate limiting and real-time payments: scaling digital banking experiences securely
The digital transformation of the financial sector has sparked a revolution in payment experiences. Transactions that once took days to settle now occur…
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Credit management beyond the app
For years, digital lending has been associated with sleek apps and fast origination. But while the front end has improved, credit management remains…
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The hidden cost of fragmented lending operations (and how to fix it)
Behind every seemingly successful commercial loan, there may be a fragmented system generating silent friction. This invisible friction disrupts the…
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Payment orchestration in financial infrastructure
Most financial institutions and fintechs already know how to send and receive payments. But what happens after the transaction is confirmed? This is…
Read moreDevelopment
The risks of building on legacy code
Picture a startup from the early 2000s. Back then, their system was cutting-edge. Fast-forward twenty years, and that same scrappy codebase, full of…
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How AI in enterprise architecture is rewriting system design
Most enterprise systems are still designed primarily for human use, with interfaces, journeys, and workflows that guide users through a structured set of…
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