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.
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

How Will BRISKPE's RBI Nod Transform Indian Trade?
Digital Banking & Payments How Will BRISKPE's RBI Nod Transform Indian Trade?

For countless Indian small and medium-sized enterprises venturing into global markets, the final hurdle to success has often been not finding a buyer but navigating the treacherous and often opaque world of international financial transactions. This long-standing challenge is now at the heart of a

Trump's Cuts Put Consumer Watchdog on Brink of Collapse
Regulatory & Compliance Trump's Cuts Put Consumer Watchdog on Brink of Collapse

A single, stubborn data error on a credit report, one that falsely inflated her student loan debt to an insurmountable quarter of a million dollars, stood between special education teacher Bianca Jones and the dream of owning her first home. For months, she pleaded with the credit bureau, Experian,

Simplified Due Diligence Balances Risk and Efficiency
Regulatory & Compliance Simplified Due Diligence Balances Risk and Efficiency

Financial institutions are navigating an increasingly complex regulatory landscape where the sheer volume of compliance obligations can strain resources and hinder customer onboarding. The traditional, one-size-fits-all approach to customer due diligence often proves both inefficient and

Digital Asset Treasuries Face an Existential Crisis
Blockchain & Cryptocurrency Digital Asset Treasuries Face an Existential Crisis

The very strategy that propelled hundreds of digital asset treasuries to unprecedented heights during this year's market frenzy is now the anchor dragging them toward insolvency. A storm is gathering over the nascent sector of Digital Asset Treasuries (DATs), companies whose primary business model

How Is the US Taming the Crypto Frontier?
Regulatory & Compliance How Is the US Taming the Crypto Frontier?

A quiet but monumental transformation is reshaping America's financial landscape, as the once-unruly world of cryptocurrency is systematically being brought under the fold of federal oversight and integrated into the traditional economic machinery. The era of regulatory ambiguity and

DeFi Offers Hope for Canada's Financially Excluded
Lending & Investment DeFi Offers Hope for Canada's Financially Excluded

Despite its reputation for a robust and stable financial system, Canada harbors a significant and growing population left on the outside looking in, facing tangible barriers to basic economic participation. A 2022 study revealed a stark reality: approximately 600,000 Canadians are entirely

Can a Nasdaq-Style Market Fix Crypto's Core Flaw?
Blockchain & Cryptocurrency Can a Nasdaq-Style Market Fix Crypto's Core Flaw?

A vast and unregulated shadow market, where billions of dollars in locked cryptocurrency tokens are traded daily in encrypted chats and private deals, silently dictates the future of digital assets while leaving most market participants entirely in the dark. This hidden ecosystem, operating between

CFPB Rules Some Earned Wage Access Products Are Not Loans
Digital Banking & Payments CFPB Rules Some Earned Wage Access Products Are Not Loans

The financial landscape for millions of American workers living paycheck to paycheck has been significantly altered by a recent advisory opinion from the Consumer Financial Protection Bureau (CFPB), which has fundamentally redefined a popular financial tool. The bureau has declared that certain

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