Fasanara Fintech Weekly

Embedded Finance, Ethereum's Merge, Africa's BNPL, DeFi for Unbanked & More News




Happy Friday!



In this edition:


  • Embedded finance: What it takes to prosper in the new value chain

  • Here's what Ethereum's Merge means for investors who want to generate extra cash flow from crypto staking

  • Why BNPL is suddenly the in-vogue part of Africa’s fintech space

  • DeFi interest rate swaps may be the next frontier of finance

  • Why decentralized finance is a leapfrog technology for the 1.1 billion people who are unbanked.




 

Embedded finance: What it takes to prosper in the new value chain.



As this market expands, success will hinge on rethinking the risk and brand calculus, embracing different integration models, and understanding where to play.


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Here's what Ethereum's Merge means for investors who want to generate extra cash flow from crypto staking.



Ethereum's long-anticipated Merge on Thursday, September 15 — where the blockchain transitioned its protocol from a proof-of-work to the much more energy-efficient proof-of-stake consensus model — will certainly be immortalized as one of the most important events in crypto history. It represents the next evolution of digital assets and future growth in the space, according to Thomas Perfumo, head of strategy at Kraken, which is currently the fourth largest cryptocurrency exchange in the world.

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Why BNPL is suddenly the in-vogue part of Africa’s fintech space.



Fads and trends come and go in African – and global – tech, but the steady rise of “buy now, pay later” (BNPL) on the continent looks set to continue for some time to come.


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DeFi interest rate swaps may be the next frontier of finance.



Already a big part of global finance, interest rate swaps can be a boon for DeFi — if it can overcome these challenges.


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Why decentralized finance is a leapfrog technology for the 1.1 billion people who are unbanked.



No technology better exemplifies the “leapfrog technology” phenomenon than the mobile phone, whose adoption allowed even the most underserved communities to entirely forego the need to implement traditional telecommunications infrastructures like wire networks and landline capabilities.


Today it is estimated that 83.4% of the world's population owns mobile phones. In fact, of the 1.7 billion people that remain unbanked (22% of the adult population), 1.1 billion are reported to have access to a mobile phone. For these people, their first experience with financial services will likely happen on decentralized infrastructure.


Decentralized finance (DeFi) technology, like mobile phones, has the potential to be a leapfrog technology, enabling the underbanked to bypass traditional finance and gain access to digital services and assets previously unavailable.


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Thanks for your time!