Real-time rails are moving from consumer novelty to supplier expectation, and the software layer on top is where the margin lives.
JurgenNL via Wikimedia Commons · CC BY-SA 2.0Networks and banks are defining how autonomous agents get payment credentials, spending limits, and someone to blame.
Payments, lending, and insurance inside industry-specific platforms are outperforming standalone fintech, and the platforms know their pricing power.
Stablecoin rails, upgraded bank networks, and fintech aggregators are colliding in the corridors where margins were fattest.
Mid-sized banks are finally replacing decades-old cores, driven less by ambition than by the retirement of the people who understand the old ones.
AI, blockchain, markets and enterprise technology. One concise briefing.