FinTech Magazine - Articles and expert perspectives on FinTech

Fintech is no longer judged mainly by how well it challenges banks from the outside. It is judged by whether it can run as regulated, interoperable and resilient infrastructure inside the financial system.

Agentic commerce just had its busiest launch month. The data says agents research a lot but still buy very little, and liability, not technology, is why.

This week's key fintech rules came from supervisors, not parliaments: ESMA's MiCA wish list, a $10bn US stablecoin line, uncapped Pix and no more card surcharges.

2026 was supposed to be the year fintech got its new rulebook. Most of it is agreed, delayed or stuck, while the rules already in force quietly do the work.

RCS is turning the humble text message into a verified, app-like channel — and banks are being pushed back into an inbox they thought they had left behind. The verified-sender pitch is real, but for regulated institutions the encryption story is more complicated than the marketing slide suggests.