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.
Are Stablecoins the Lifeline for Inflation-Hit Economies?
Blockchain & Cryptocurrency Are Stablecoins the Lifeline for Inflation-Hit Economies?

Asking the hard question When global prices cooled but local currencies kept slipping, street-level finance didn’t wait for policy to catch up; it built a dollar proxy with stablecoins that moved across phones, priced groceries, and softened the shock of fast inflation. In markets where official

Can Amazon and Visa Redefine Shopping with AI Agents?
Digital Banking & Payments Can Amazon and Visa Redefine Shopping with AI Agents?

Imagine a world where your digital assistant not only suggests products but shops for you, books your travel, and pays seamlessly without a single click. This scenario is closer than ever as Amazon and Visa forge a groundbreaking partnership to pioneer AI-driven agentic commerce. This market

MOIN, Nium Deepen Ties to Boost Korea Cross-Border Payments
Digital Banking & Payments MOIN, Nium Deepen Ties to Boost Korea Cross-Border Payments

Mapping the cross-border payments landscape: scale, stakeholders, and standards shaping Korea’s outflows and inflows Korean money moves farther and faster than ever, yet users still demand lower costs, real-time speed, and clearer outcomes across JPY, USD, EUR, AUD, and CAD outflows and growing

Big Credit Unions at a Crossroads Amid NCUA Turmoil
Lending & Investment Big Credit Unions at a Crossroads Amid NCUA Turmoil

A wave of large, federally insured credit unions has moved beyond traditional confines just as the National Credit Union Administration has stumbled into a leadership crisis that unsettled oversight and blurred policy direction across consumer protection, fintech, and consolidation. The pivotal

Germany’s Affluent Boom Redefines Wealth Management
Lending & Investment Germany’s Affluent Boom Redefines Wealth Management

Unveiling a Wealth Powerhouse In the heart of Europe, Germany stands as an economic titan, now witnessing a remarkable swell in its affluent population—a group defined as individuals with investable onshore assets between €100,000 and €2 million. This demographic, encompassing 8.8 million Germans

Oracle Financial Services Soars with 8% Revenue Growth
Lending & Investment Oracle Financial Services Soars with 8% Revenue Growth

In the ever-evolving landscape of financial technology, few companies have captured investor attention quite like Oracle Financial Services Software (OFSS), a prominent subsidiary of the global tech giant Oracle. Based in India, OFSS has recently emerged as a standout performer on the National

Utility-Driven Presales Draw Big Capital in 2025 Crypto Market
Blockchain & Cryptocurrency Utility-Driven Presales Draw Big Capital in 2025 Crypto Market

Diving into the ever-evolving landscape of cryptocurrency, I’m thrilled to sit down with Kofi Ndaikate, a seasoned expert in fintech with deep insights into blockchain, cryptocurrency, and the regulatory frameworks shaping this space. With 2025 marking a pivotal shift toward utility-driven presales

HPS: 30 Years of Shaping Global Payments Innovation
Digital Banking & Payments HPS: 30 Years of Shaping Global Payments Innovation

Unveiling the Backbone of Digital Transactions In an era where a single swipe or tap can finalize a purchase, transfer funds, or even secure a loan, the unseen machinery behind these transactions often goes unnoticed, yet it powers billions of daily interactions. Whether buying a latte or boarding

Monzo CEO TS Anil to Step Down, Diana Layfield Takes Over
Trends & Innovation Monzo CEO TS Anil to Step Down, Diana Layfield Takes Over

What does it take for a digital bank to not just survive but thrive in the cutthroat world of fintech? Monzo, a UK-based trailblazer, has answered this question time and again with bold moves and innovative strategies, and now, in a pivotal moment for the company, Group CEO TS Anil has announced

Fiserv Faces Historic Stock Drop and Leadership Overhaul
Lending & Investment Fiserv Faces Historic Stock Drop and Leadership Overhaul

Setting the Stage: A Fintech Giant's Unexpected Plunge In a market where stability often defines the fintech sector, Fiserv, a titan in banking and payments technology, has sent shockwaves through Wall Street with a staggering 40% stock drop on October 29 of this year. This unprecedented decline,

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