Sarah Vainstein

Sarah Vainstein

Fintech Innovation Expert
Sarah Vainstein is a fintech expert with a keen interest in banking. She explores various topics, ranging from the impact of digital transformation on traditional banking to the rise of decentralized finance (DeFi). Her analytical approach provides valuable perspectives and guidance on the application of Fintech.
How DeFiRate Became a Trusted Voice in Crypto Journalism
Blockchain & Cryptocurrency How DeFiRate Became a Trusted Voice in Crypto Journalism

In the tumultuous and often opaque world of decentralized finance, where fortunes can be made or lost in an instant, the scarcity of truly independent and expert-driven journalism presents a significant challenge for investors and enthusiasts alike. Many platforms either succumb to hype or lack the

What Matters More in Payments: Security or Speed?
Trends & Innovation What Matters More in Payments: Security or Speed?

The digital checkout has become a modern battleground where consumer trust is won or lost in milliseconds, and a recent, comprehensive analysis from American Express has illuminated the primary concern governing this space. The study, which surveyed 2,000 UK shoppers, revealed that an overwhelming

Can This Partnership Redefine Trading Analytics?
Lending & Investment Can This Partnership Redefine Trading Analytics?

In the fast-paced world of financial markets, where a fraction of a second can mean the difference between profit and loss, traders have long grappled with the challenge of fragmented information streams and disparate analytical tools. The conventional workflow often involves toggling between

Rising Threats Demand Stronger Financial Cybersecurity
Regulatory & Compliance Rising Threats Demand Stronger Financial Cybersecurity

The relentless migration of financial services from traditional brick-and-mortar operations to digital-first platforms has created a new frontier of risk, fundamentally reshaping the industry's security obligations. While the convenience of online banking, mobile payments, and instantaneous digital

Are Prediction Markets Gambling or a Commodity?
Blockchain & Cryptocurrency Are Prediction Markets Gambling or a Commodity?

In a calculated move that could fundamentally reshape a burgeoning corner of the financial technology sector, cryptocurrency exchange Coinbase has initiated a preemptive legal challenge against regulators in Michigan, Illinois, and Connecticut. This aggressive strategy aims to definitively classify

Wall Street and Fintech Battle Over Data Fees
Trends & Innovation Wall Street and Fintech Battle Over Data Fees

A high-stakes conflict over the flow of consumer financial data is escalating between America's largest banking institutions and the burgeoning fintech sector, creating a pivotal moment for the future of open banking. This clash, which centers on whether banks can charge fees for the data that

What Is the Hidden Cost of Buy Now, Pay Later?
Digital Banking & Payments What Is the Hidden Cost of Buy Now, Pay Later?

The appeal of splitting a purchase into several interest-free installments has transformed the digital checkout experience, making buy now, pay later (BNPL) services a ubiquitous feature for online shoppers seeking financial flexibility. This seemingly benign payment option, which allows consumers

Are We Losing the AI Cybersecurity Arms Race?
Regulatory & Compliance Are We Losing the AI Cybersecurity Arms Race?

A recent financial firm was duped out of $25 million not through a complex network breach, but through a meticulously crafted deepfake video call that mimicked senior executives, a stark illustration of a new and perilous frontier in cyber warfare. This incident is not an outlier but a herald of a

U.S. Treasury Move Prompts PNC to Join FedNow
Digital Banking & Payments U.S. Treasury Move Prompts PNC to Join FedNow

In a decisive move that reshaped the landscape of American instant payments, PNC Bank announced its integration with the Federal Reserve's FedNow service in October 2025, more than two years after the platform's initial launch. This carefully timed decision by one of the nation's largest financial

Gemini Debuts Prediction Market With CFTC Approval
Blockchain & Cryptocurrency Gemini Debuts Prediction Market With CFTC Approval

The once-niche concept of betting on real-world events has officially entered the financial mainstream, as digital asset exchange Gemini rolls out a regulated platform for trading on everything from election outcomes to economic data releases. This launch, backed by a crucial approval from the U.S.

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