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.
Can ElevateFi Build a Truly Sustainable DeFi Community?
Blockchain & Cryptocurrency Can ElevateFi Build a Truly Sustainable DeFi Community?

The decentralized finance landscape is littered with projects that promised revolutionary returns but ultimately succumbed to volatile market pressures and fleeting user engagement, leaving many to question if long-term sustainability is even possible. Against this backdrop, a new protocol

How Will Open Banking Change Your Mortgage?
Trends & Innovation How Will Open Banking Change Your Mortgage?

The arduous journey of securing a home loan has long been defined by a mountain of paperwork, where applicants spend hours, or even days, gathering, scanning, and emailing countless financial documents to prove their creditworthiness. This cumbersome and often frustrating process is finally

Will GlobalPay's App Reshape How Indians Travel?
Digital Banking & Payments Will GlobalPay's App Reshape How Indians Travel?

A New Compass for the Indian Globetrotter The long-standing complexities of international travel for Indians, characterized by a fragmented puzzle of separate forex cards, clunky payment gateways, and a patchwork of ancillary services, have presented a significant market opportunity. Addressing

How Fragile Is Global Banking's Stability in 2026?
Lending & Investment How Fragile Is Global Banking's Stability in 2026?

Beneath the calm surface of the global financial system lies a delicate equilibrium, with the world's banking sector navigating a landscape defined by a forecast of conditional stability. The prevailing consensus among major credit-rating agencies points to a year of resilience, anchored by robust

Expert Offers Tips to Beat Card Skimmers
Regulatory & Compliance Expert Offers Tips to Beat Card Skimmers

While federal authorities have successfully prevented hundreds of millions of dollars in potential losses from card skimming operations, a cybersecurity expert cautions that these efforts likely represent only a fraction of the total threat, urging consumers to remain vigilant. The U.S. Secret

Is Data Transparency Coming to Private Assets?
Lending & Investment Is Data Transparency Coming to Private Assets?

The historically opaque world of private markets, long a source of frustration for buy-side firms grappling with inconsistent reporting and non-standardized disclosures, is facing a significant push toward clarity. A landmark collaboration aims to tackle these issues by embedding comprehensive

Is Colombia's Record Debt a Necessary Risk?
Lending & Investment Is Colombia's Record Debt a Necessary Risk?

The Colombian government has embarked on a high-stakes fiscal gamble, authorizing an unprecedented internal debt issuance of up to COP 152 trillion, equivalent to approximately US$35 billion, to finance its 2026 national budget and navigate pressing liquidity shortfalls. This monumental decision,

Trend Analysis: Crypto National Bank Charters
Blockchain & Cryptocurrency Trend Analysis: Crypto National Bank Charters

The once-impenetrable wall between cryptocurrency and the federally regulated American banking system is now being methodically dismantled by firms with direct lines to the White House. A high-profile cryptocurrency firm with deep ties to U.S. President Donald Trump has applied for a national bank

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

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