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EU Late Payment Regulation impact on SME supply chain finance
How Is the EU Late Payment Regulation Reshaping Supply Chain Finance for SMEs in 2026?

March 27, 2026

Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant The EU Late Payment Regulation has become one of the most debated pieces of commercial legislation in Europe. While the EU Late Payment Regulation stalled in mid-2025, the three-year regulatory conversation has already reshaped how SMEs think about cash flow, invoice financing, and supplier relationships. We asked

Construction supply chains regional steel distributor warehouse
Construction Supply Chains: 5 Proven Reasons Trust Beats Technology

March 20, 2026

Author: Darren Tredgold, General Manager, Independent Steel Company Construction supply chains don't run on algorithms. Instead, construction supply chains depend on something fintech keeps trying to replace: trust between people who know each other's work. Every few years, a well-funded startup promises to digitise building materials distribution. Yet the results tell a familiar story. E-commerce penetration in

Client churn data early warning signals for SME default prediction
Client Churn Data Is a Better Default Predictor Than a Balance Sheet

March 20, 2026

Author: Callum Gracie, Founder, GiaAI Client churn data tells you more about an SME's financial health than any annual report ever will. Yet not a single fintech lender worldwide uses client churn data from marketing agencies to assess credit risk. That gap should concern anyone in the lending business. Here's what I know from running an

European FinTech 2025 funding growth and deal concentration chart
European FinTech 2025 Is Back and Means Business

March 16, 2026

European FinTech 2025 marks a turning point for the sector. The European FinTech 2025 landscape, as captured by Finch Capital's 10th annual State of European FinTech report, shows an industry that is maturing fast. After years of recalibration, the sector is emerging more focused, disciplined, and resilient. Mid-market M&A remains robust. AI adoption is reshaping

Subscription payment fatigue causing families to cancel children's activities
Subscription Payment Fatigue Is Coming for Children's Services

March 16, 2026

Author: Alena Sarri, Managing Director, Aquatots Swim School Subscription payment fatigue is reshaping how Australian families decide which children's activities to keep and which to cut. Parents now juggle three to five recurring direct debits for swim lessons, dance, music, and gymnastics. They evaluate every charge with the same ruthless logic they use on streaming services. The

Green fintech ESG data dashboard showing sustainability metrics for lending decisions
Green Fintech: 5 Proven Reasons It Goes Beyond a Compliance Checkbox

March 16, 2026

Author: Charitarth Sindhu, Fractional Business & AI Workflow Consultant Green fintech has outgrown its reputation as a corporate PR exercise. The global ESG investing market hit $35.5 trillion in 2025, and sustainability-driven technology solutions are growing at 22.4% CAGR. So we asked industry leaders a direct question: is green fintech a genuine market opportunity, or just

Steel currency risk chart showing AUD USD volatility impact on distributor margins
Metal Foreign money Danger: Why Regional Distributors Are Bleeding Margin on Each Order

March 14, 2026

Writer: Darren Tredgold, Common Supervisor, Independent Steel Company Metal foreign money danger is costing Australian SME distributors hundreds of thousands, and most of them don't even realise it. This metal foreign money danger grew sharply between April 2025 and March 2026, when the AUD/USD charge swung from 0.5955 to 0.7147. That 12-cent transfer shifted the landed price

Fitness workforce payments gap in gyms and swim schools
Fitness Workforce Payments: The $77 Billion Gap Fintech Keeps Ignoring

March 12, 2026

Author: Alena Sarri, Managing Director, Aquatots Swim School Fitness workforce payments are broken. Despite powering a $257 billion global industry, fitness workforce payments still depend on spreadsheets, manual calculations, and two-week pay cycles that belong in the 1990s. Meanwhile, Uber drivers cash out earnings five times daily and DoorDash couriers receive funds after every delivery. Yet swim

B2B BNPL adoption driving business payment flexibility at checkout
5 Factors Driving Faster B2B BNPL Adoption Than Consumer BNPL

March 11, 2026

B2B BNPL adoption is reshaping business commerce at a pace that leaves its consumer counterpart in the dust. While consumer Buy Now, Pay Later growth has slowed to roughly 10-14% annually, B2B BNPL adoption is expanding at a 27% CAGR, projected to reach $670 billion by 2029. So what is fuelling this gap? Industry experts

Freelancer payment infrastructure gaps between agencies and fintech
Why Freelancer Payment Infrastructure Can't Keep Up With the Agencies Using It

March 11, 2026

Author: Callum Gracie, Founder, Gia AI Freelancer payment infrastructure hasn't kept pace with how modern agencies operate. Despite building some of the most advanced distributed workforces in professional services, SEO and digital marketing firms still depend on freelancer payment infrastructure designed for domestic corporate transfers. That mismatch is costing the industry billions. Cross-border payments average 6.5% in