Finance Tech Brief By HackerNoon

Finance Tech Brief By HackerNoon

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Finance Tech Brief By HackerNoon episodes

  • Why I quit my Medium membership

    This story was originally published on HackerNoon at: https://hackernoon.com/why-i-quit-my-medium-membership-909909657ba.


    I’m a Medium member based in India. This morning, I realized the credit card linked to my Medium account is due to expire. So I go to the settings page in my Medium account to check if I can update my card details. I find the button saying ‘Use a new card’ but also notice another button that says ‘View billing history.’ Out of curiosity, I click on it, and am presented with a long list of $5 monthly payments starting from March 24, 2017. Two years, or 25 months to be precise. Which add up to $125 (₹8,645) in membership fees, as of today. That makes me pause, and take stock of what I’m getting for my $125.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #stripe, #medium-member, #medium-partner-program, #paywall, #medium-membership, #hackernoon-es, and more.


    This story was written by: @babulous. Learn more about this writer by checking @babulous's about page,
    and for more stories, please visit hackernoon.com.

    15 min
  • Navigating the Financial Frontier: A Comprehensive Analysis of Electronic Money Institutions (EMIs)

    This story was originally published on HackerNoon at: https://hackernoon.com/navigating-the-financial-frontier-a-comprehensive-analysis-of-electronic-money-institutions-emis.


    Electronic Money Institutions (EMIs) are revolutionizing the financial sector by offering efficient, digital-first alternatives to traditional banking. This art
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #digital-banking, #emis, #emi-license, #fintech-industry, #fintech-market-analysis, #e-money-transactions, #bin-sponsorship, #electronic-money-institution, and more.


    This story was written by: @berdiev98. Learn more about this writer by checking @berdiev98's about page,
    and for more stories, please visit hackernoon.com.


    Electronic Money Institutions (EMIs) are driving a transformation in the financial sector by issuing and managing e-money, which has seen remarkable growth, partly accelerated by the COVID-19 pandemic. EMIs offer various services, and this article distinguishes them from traditional banks, highlighting the advantages of EMIs such as cost-efficiency, agility, and safety. EMI licensing is detailed, and partnerships between EMIs and non-regulated entities via BIN sponsorship and program management are discussed, showcasing examples like Zilch, Hyperjar, and Kasssh. Understanding these distinctions is crucial for navigating the evolving financial landscape.

    13 min
  • How to Use Open Banking: A Guide for Fintech Startups

    This story was originally published on HackerNoon at: https://hackernoon.com/how-to-use-open-banking-a-guide-for-fintech-startups.


    Discover key strategies for fintech startups to leverage Open Banking effectively. This guide covers essential tips for integration and innovation."
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #fintech, #open-banking, #what-is-open-banking, #fintech-startups, #fintech-and-banking, #digital-banks, #neobank, #good-company, #hackernoon-es, #hackernoon-hi, #hackernoon-zh, #hackernoon-fr, #hackernoon-bn, #hackernoon-ru, #hackernoon-vi, #hackernoon-pt, #hackernoon-ja, #hackernoon-de, #hackernoon-ko, #hackernoon-tr, and more.


    This story was written by: @DashDevs. Learn more about this writer by checking @DashDevs's about page,
    and for more stories, please visit hackernoon.com.


    This guide by Igor Tomych, CEO at DashDevs, explores the opportunities Open Banking offers to fintech startups, emphasizing the importance of APIs for data exchange and innovation. It covers the basics of Open Banking, its technological aspects, regulatory environments, and key challenges in integrating Open Banking APIs. The article also discusses future trends like AI, blockchain, and the growing API economy, highlighting their potential for startups in creating innovative financial solutions.

    14 min
  • Card vs. Open Banking Payments: A Comparative Analysis in the Fintech Landscape

    This story was originally published on HackerNoon at: https://hackernoon.com/card-vs-open-banking-payments-a-comparative-analysis-in-the-fintech-landscape.


    Comparison of traditional card payments with emerging open banking in fintech, analyzing their features and impact on the industry.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #fintech-trends, #card-payment, #open-banking-vs-psd2, #payment-processing, #open-banking, #future-of-finance, #fintech-user-experience, #card-payments-v-open-banking, and more.


    This story was written by: @berdiev98. Learn more about this writer by checking @berdiev98's about page,
    and for more stories, please visit hackernoon.com.


    Card payments are widely accepted and secure, offering convenience and consumer protection. Open banking payments facilitate direct bank-to-bank transactions, real-time transfers, and data access with strong customer authentication. The choice between these methods depends on regulatory compliance, customer preferences, merchant acceptance, security requirements, costs, innovation, user experience, risk management, competition, scalability, partnerships, and user education. The future of payments likely involves a coexistence of both methods, adapting to market dynamics and user expectations.

    10 min
  • Ponzi Scheme Victims Beware: There Is No Such Thing As Easy Money

    This story was originally published on HackerNoon at: https://hackernoon.com/ponzi-scheme-victims-beware-there-is-no-such-thing-as-easy-money.


    A Ponzi scheme is an investment fraud where a fraudster collects money from people with a promise of higher than the usual market rate returns.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #finance, #ponzi-schemes, #the-history-of-ponzi-schemes, #ponzi-scheme-vs-pyramid-scheme, #ponzi-schemes-red-flags, #financial-literacy, #avoid-ponzi-schemes, #hackernoon-top-story, #hackernoon-es, #hackernoon-hi, #hackernoon-zh, #hackernoon-fr, #hackernoon-bn, #hackernoon-ru, #hackernoon-vi, #hackernoon-pt, #hackernoon-ja, #hackernoon-de, #hackernoon-ko, #hackernoon-tr, and more.


    This story was written by: @aileen. Learn more about this writer by checking @aileen's about page,
    and for more stories, please visit hackernoon.com.


    A Ponzi scheme is an investment fraud where a fraudster collects money from people with a promise of higher than the usual market rate returns. A Ponzi scheme involves circulation of the capital instead of the distribution of profits. Such schemes go belly up because there is no profit-making involved.

    9 min
  • Portfolio Optimization with Python and Quantum Computing Techniques

    This story was originally published on HackerNoon at: https://hackernoon.com/portfolio-optimization-with-python-and-quantum-computing-techniques.


    How to optimize portfolios using quantum computing and Python, featuring QUBO conversion and QAOA solving algorithm.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #investment-portfolio, #quantum-computing, #python, #python-programming, #technology, #technology-trends, #finance, #optimization, and more.


    This story was written by: @abramov. Learn more about this writer by checking @abramov's about page,
    and for more stories, please visit hackernoon.com.


    Quantum computing can be used to solve the problem of finding the optimal allocation of assets in a portfolio more efficiently and accurately than traditional methods. We will use the Qiskit library, a Python-based open-source framework for quantum computing. To illustrate, we will create a simple portfolio of four assets and use the Quantum Approximate Optimization Algorithm (QAOA)

    4 min
  • Profiting in Times of Crises: The Silicon Valley Bank Story

    This story was originally published on HackerNoon at: https://hackernoon.com/profiting-in-times-of-crises-the-silicon-valley-bank-story.


    Examining interest rates' evolution & their role in modern economies. Discussing COVID-19, Ukraine war & inflation's impact on SVB's collapse & stakeholders.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #finance, #banking, #svb-collapse, #economics, #technology-trends, #finance-and-banking, #startup, #hackernoon-top-story, #hackernoon-es, #hackernoon-hi, #hackernoon-zh, #hackernoon-vi, #hackernoon-fr, #hackernoon-pt, #hackernoon-ja, #hackernoon-tr, #hackernoon-ko, #hackernoon-de, #hackernoon-bn, and more.


    This story was written by: @alekseizhurba. Learn more about this writer by checking @alekseizhurba's about page,
    and for more stories, please visit hackernoon.com.


    In the early 19th century it was enough to say ‘he/she has a rent of 50,000 francs’ to describe a hefty fortune of 1 million francs. Interest rates became one of the major tools for the economy’s ‘thermal regulation’ The lower the rate, the more money is available in the system, fueling business activity, consumption, and with it inflation.

    13 min
  • The Age of AI has begun in the Economic Revolution

    This story was originally published on HackerNoon at: https://hackernoon.com/the-age-of-ai-has-begun-in-the-economic-revolution.


    AI Unvеilеd: Navigating thе Modеrn Rеvеnuе Stack Through a Comprеhеnsivе Exploration of 2023's AI Rеvolution and Its Impact on SaaS Companiеs Worldwidе.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #fintech, #ai, #future-of-ai, #ai-trends, #ai-technology, #ai-revolution, #tech-stack, #modern-portfolio-theory, and more.


    This story was written by: @pankajvnt. Learn more about this writer by checking @pankajvnt's about page,
    and for more stories, please visit hackernoon.com.

    13 min
  • Empowering the Shoe Shiner: Regenerative Finance Unleashes the Power of Investment for All!

    This story was originally published on HackerNoon at: https://hackernoon.com/empowering-the-shoe-shiner-regenerative-finance-unleashes-the-power-of-investment-for-all.


    Decentralized finance differentiates itself from the traditional financial incentives. It democratizes financial services and opportunities that would so
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #investing, #finance, #refi, #web3, #defi, #cryptocurrencies, #technology, #decentralized-finance, and more.


    This story was written by: @lillgibbons. Learn more about this writer by checking @lillgibbons's about page,
    and for more stories, please visit hackernoon.com.


    Regenerative Finance, aka ReFi, is offering us the chance to shift towards long-term financial incentives associated with the creation of low-carbon assets. The technology is offering accessibility, transparency, and immutability. Regenerative finance provides a way for individuals to support and invest in larger issues facing the world like never before.

    7 min
  • Digital Assets for Financial Inclusion: DoshFX's Revolution in South Africa

    This story was originally published on HackerNoon at: https://hackernoon.com/digital-assets-for-financial-inclusion-doshfxs-revolution-in-south-africa.


    DoshFX, the disruptive crypto exchange, is shaking up the South African financial landscape and spearheading a movement toward financial inclusion.
    Check more stories related to finance at: https://hackernoon.com/c/finance.
    You can also check exclusive content about #financial-inclusion, #south-africa, #digital-asset, #digitalization, #cryptocurrency, #crypto-trading, #crypto-exchange, #good-company, #hackernoon-es, #hackernoon-hi, #hackernoon-zh, #hackernoon-vi, #hackernoon-fr, #hackernoon-pt, #hackernoon-ja, and more.


    This story was written by: @zexprwire. Learn more about this writer by checking @zexprwire's about page,
    and for more stories, please visit hackernoon.com.


    DoshFX aims to transform the lives of the unbanked, emerging, and marginalized communities across the nation. With over 1.5 million cryptocurrency users, South Africa boasts the highest number of digital asset enthusiasts on the continent. DoshFX empowers South Africans to store value, make secure international payments, and overcome the limitations imposed by traditional financial institutions.

    5 min

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