Author

Marvin Evans

Founder and editor, Fintechbits

Marvin Evans is a fintech sales leader and industry commentator with expertise in derivatives pricing, risk analytics, and financial technology strategy. He has worked closely with banks, insurers, and financial institutions across sell-side and buy-side markets, helping firms navigate data, analytics, and technology transformation. Through Fintech Bits , Marvin shares insights on fintech innovation, AI in finance, venture funding, and digital banking trends, with a focus on how technology is reshaping global financial services.

Lending

Klarna Wayfair Partnership Renewal Brings Always-On 0% APR Financing

Wayfair has renewed with Klarna and added six-month interest-free financing across its brands. The deal shows where buy now, pay later is heading: bigger baskets and longer terms.

October 8, 2026

Technology Innovations

Ant International Brings the HSBC Tokenised Deposit Service to Its Middle East Treasury

Ant International has run real-time dirham and dollar pilots on HSBC's tokenised deposit rail in the UAE. The useful part is two separate ledgers talking to each other.

October 8, 2026

Wealthtech

M1 Advisor Puts a Fiduciary Duty Behind an AI Financial Adviser

M1 has put a fiduciary duty behind an AI adviser that reads clients' real accounts. The legal accountability is new; the conflicts around M1's own lending products are worth watching.

October 8, 2026

Startup News

Spiko Series B Brings $90M to Europe's Biggest Tokenized Cash Fund Issuer

NEA has led a $90 million round in Spiko, the Paris and London issuer of onchain money market funds. Distribution through other platforms' APIs matters more than the tokens.

October 8, 2026

Payments

Stripe Capital Gets FedEx Shipping Data in a Bet on Logistics-Based Lending

FedEx and Stripe have agreed a long-term partnership that uses shipment data for small-business lending. The lending product is not due until early 2027; the checkout deal is the part that is real now.

October 8, 2026

AI in Finance

Plaid LendScore 2 and Instant Link Push Plaid Toward the Credit Bureau Business

Plaid's Fall Product Release brought new credit, fraud and payment-risk models. The headline 42% figure uses an easy benchmark; reusable consumer reports are the real shift.

October 7, 2026

Lending

Experian Cashflow Data Bureau Puts Bank-Account Underwriting Under the FCRA

Experian has set up a separate credit bureau just for bank-account data. The legal structure matters more than the lift figures, and Plaid launched a rival offer on the same day.

October 7, 2026

Fintech

Hosam Arab and the Cash Problem That Built Tabby

He kept leaving jobs until he wondered whether the problem was him. Then one lesson from his first company, Namshi, grew into a $6.5 billion fintech.

October 6, 2026

AI in Finance

Otala AI Pricer: The First Structured Products Pricer Built Directly Into Telegram and WhatsApp

Otala's AI Pricer quotes structured products inside Telegram and WhatsApp, bringing a desk-level tool to channels far outside institutional trading.

July 8, 2026

AI in Finance

64% of Canadians Used AI for Personal Finance Last Year. 73% Acted on That Advice. Banks Are Still Preferred, But the Gap Is Closing Fast.

JD Power found 64% of Canadians used AI tools in the past year, 41% for personal finance, and 73% of those acted on the advice.

July 7, 2026

Payments

X Money Launch: 6% APY, $10M FDIC Coverage and a Metal Card, Elon Musk Financial Super-App Is Here

X Money offers Premium subscribers 6% APY, up to $10 million in FDIC coverage through a sweep network, 3% cashback and a metal Visa card, running on Cross River Bank.

July 3, 2026

Banking

UK ISA 22% Tax on Cash Interest: The Compliance Nightmare Hiding Inside a Savings Policy

Interest on cash held in Stocks and Shares ISAs will face a 22% charge from April 2027, creating a compliance headache for providers that pay interest on uninvested cash.

June 30, 2026