Jay Thibain

Jay Thibain

Banking Technology Consultant
Jay Thibain is a seasoned expert in banking and finance with a passion for fintech and innovation. Known for his straightforward writing style that prioritizes simplicity over jargon, Jay resonates with a wide audience of bankers, brokers, and fintech enthusiasts. From dissecting banking protocols to exploring investment strategies and corporate governance, Jay empowers finance professionals with the knowledge and insights they need to thrive.
How Digital Wallets Are Redefining Money and Entertainment
Digital Banking & Payments How Digital Wallets Are Redefining Money and Entertainment

The quiet replacement of leather wallets with their digital counterparts represents one of the most significant and swift technological shifts in modern consumer behavior, fundamentally altering how we interact with money, commerce, and entertainment. Once viewed as a niche convenience with

Sterling Bank and Thunes Boost Nigerian Remittances
Digital Banking & Payments Sterling Bank and Thunes Boost Nigerian Remittances

For the nearly 17 million Nigerians living abroad, the act of sending money home is a vital thread connecting them to family, community, and opportunity, yet this process has often been fraught with delays, high fees, and uncertainty. Recognizing this critical need for a more streamlined financial

Can Banks Win the Fight for Investment Deposits?
Lending & Investment Can Banks Win the Fight for Investment Deposits?

The silent migration of capital from traditional checking and savings accounts into third-party investment applications has presented one of the most significant challenges to the banking sector in the modern digital era. For years, financial institutions watched as their members siphoned funds to

NDIC Challenges Fiscal Rule to Protect Depositors
Regulatory & Compliance NDIC Challenges Fiscal Rule to Protect Depositors

The stability of a nation's financial system rests heavily on the unwavering confidence of its depositors, a trust that is directly underpinned by the capacity of its deposit insurance agency to act decisively in times of crisis. A critical discussion has emerged in Nigeria, where a fundamental

Brite Redefines Nordic Gaming With Instant Payments
Digital Banking & Payments Brite Redefines Nordic Gaming With Instant Payments

The Nordic online gaming landscape is currently undergoing a profound transformation, driven not by a new type of game but by a fundamental shift in how money moves between players and platforms. In a region defined by its advanced digital infrastructure and sky-high consumer expectations, the

Digital Banks Challenge Traditional Banking Dominance
Digital Banking & Payments Digital Banks Challenge Traditional Banking Dominance

The fundamental relationship between individuals and their financial institutions is being redefined at an unprecedented pace, moving far beyond the simple act of depositing a check or visiting a teller. This transformation is driven by the rise of neobanks, digital-native entities that exist

SMEs Are Navigating Crypto Payroll and Compliance
Regulatory & Compliance SMEs Are Navigating Crypto Payroll and Compliance

As global leaders and innovators convene, the conversation around digital finance has decisively shifted from theoretical potential to practical implementation, making the integration of cryptocurrency into mainstream business operations a central theme of economic strategy. For small and

South Korea Fines Korbit $1.9M for AML Violations
Regulatory & Compliance South Korea Fines Korbit $1.9M for AML Violations

South Korea's rigorous regulatory framework for digital assets has once again demonstrated its teeth, as the nation's fourth-largest cryptocurrency exchange, Korbit, faces a substantial fine of approximately $1.9 million for extensive violations of anti-money laundering laws. The Financial

Indian Banks Achieve Historic Resilience, RBI Report Finds
Lending & Investment Indian Banks Achieve Historic Resilience, RBI Report Finds

The Reserve Bank of India’s latest "Trends and Progress of Banking in India, 2024–25" report offers a compelling and optimistic narrative, revealing a financial sector that has achieved an unparalleled state of strength and confidence. This historic resilience is not an accident but the result of a

Are Small Retailers Selling Out Walmart in a Card Fee Deal?
Digital Banking & Payments Are Small Retailers Selling Out Walmart in a Card Fee Deal?

A Rift in Retail Why Walmart is Fighting a Landmark Settlement A landmark class-action settlement designed to cap a decades-long war over credit card "swipe fees" is facing a formidable rebellion from within its own ranks. At the forefront is Walmart, the nation's largest retailer, which has

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