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Home | Authors | Brain Walker
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Brain Walker

Brain Walker is a Fintech expert who focuses on Robotic Process Automation, Embedded Finance, and Automation in Fintech. Bored with tedious, repetitive tasks, Brain looks forward to a world where process automation is the norm, and he uses his platform to educate others on how to utilize this technology. 
How Will New Regulations Shape AI and ML in Financial Services?
Robotic Process Automation In Fintech
How Will New Regulations Shape AI and ML in Financial Services?

The financial services industry is currently undergoing a major transformation as artificial intelligence (AI) and machine learning (ML) technologies are increasingly integrated into various operations. These cutting-edge technologies are not only enhancing customer experiences but also streamlining back-office processes, thereby offering a competitive edge to companies that can adeptly leverage them. However, as these technologies continue to evolve, the regulatory

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February 20, 2025
AI and Blockchain: Enhancing Adoption Through Decentralized Solutions
Robotic Process Automation In Fintech
AI and Blockchain: Enhancing Adoption Through Decentralized Solutions

The rapid integration of artificial intelligence (AI) and blockchain technology is poised to revolutionize various industries, transforming the way we engage with digital systems and ensuring greater authenticity and security. As these two powerful technologies converge, their combined strengths offer a wide range of reciprocal benefits, fostering innovation and pushing the boundaries of what is possible. Insights from Cosmo Jiang,

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February 20, 2025
Revolutionizing Financial Services: The Impact of Vertical AI Technology
Robotic Process Automation In Fintech
Revolutionizing Financial Services: The Impact of Vertical AI Technology

In the evolving landscape of financial technology, one trend that increasingly stands out is the rise of vertical AI technology. Unlike generic AI systems, vertical AI is specifically designed to address the intricacies and unique requirements of certain industries, notably banking and financial services. This specialized form of AI leverages deep domain-specific knowledge alongside standard AI frameworks, creating context-aware solutions

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February 19, 2025
Should Buy Now, Pay Later Be Limited to High-Value Necessities?
Embedded Finance
Should Buy Now, Pay Later Be Limited to High-Value Necessities?

The “buy now, pay later” (BNPL) scheme has surged in popularity recently, inviting scrutiny on its impact on consumer financial health and debt accumulation. One recommendation by Chakrin Utit, a senior lecturer at Universiti Putra Malaysia, underscores the need to limit BNPL to high-value necessities. These items, often considered investments, include smartphones, personal computers, and home electrical appliances. This recommendation

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February 19, 2025
BNPL Adoption Surges With Bank Partnerships and Credit Score Impact
Embedded Finance
BNPL Adoption Surges With Bank Partnerships and Credit Score Impact

The financial landscape is undergoing a transformative shift with the rapid adoption of Buy Now, Pay Later (BNPL) services among consumers and financial institutions. As a payment option that allows customers to purchase goods and then pay for them in installments, BNPL is gaining significant traction due to its convenience and strategic partnerships with banks. This trend is not only

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February 19, 2025
How Can Open Banking Revolutionize the Financial Services Industry?
Embedded Finance
How Can Open Banking Revolutionize the Financial Services Industry?

Open banking, a transformative system that allows third-party financial service providers to access consumer banking data, has the potential to fundamentally reshape the financial services landscape. Originating in the United Kingdom in January 2018 under the European Commission’s second Payment Services Directive (PSD2), this initiative aimed to foster competition within the banking industry, provide consumers with more options, and introduce

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February 19, 2025
Can AI in Fintech Truly Improve Decision-Making and Reduce Risks?
Robotic Process Automation In Fintech
Can AI in Fintech Truly Improve Decision-Making and Reduce Risks?

Artificial intelligence (AI) has become a transformative force in the financial technology (fintech) sector, promising enhanced decision-making and risk reduction. However, the integration of AI is not without its challenges and potential pitfalls. This article explores the multifaceted impact of AI on fintech, the risks involved, and the strategies for successful implementation. The Promise of AI in Fintech Revolutionizing Financial

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February 19, 2025
How Will AI Transform Credit Risk and Fraud Prevention by 2025?
Robotic Process Automation In Fintech
How Will AI Transform Credit Risk and Fraud Prevention by 2025?

Artificial intelligence (AI) is anticipated to significantly influence financial services firms’ strategies for credit risk decisioning and fraud prevention in 2025, according to Provenir’s recent survey of 200 financial service decision-makers worldwide. Nearly half of the executives surveyed report struggles with managing credit risk and fraud detection. Over half plan to invest in AI and risk decisioning solutions by 2025

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February 19, 2025
Is GenAI the Future of Banking or a Risky Bet for Financial Leaders?
Robotic Process Automation In Fintech
Is GenAI the Future of Banking or a Risky Bet for Financial Leaders?

The deployment of generative artificial intelligence (GenAI) in the banking sector has sparked a debate between premature adoption and excessive caution. Banks, both traditional and challenger, are navigating this complex landscape to harness the potential of GenAI while mitigating risks. This dynamic exposes the broader tension within the financial industry: the need to innovate to remain competitive while ensuring that

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February 19, 2025
Financial Services’ AI Revolution: Paving the Future of Banking and Finance
Robotic Process Automation In Fintech
Financial Services’ AI Revolution: Paving the Future of Banking and Finance

A bold wave of transformation is sweeping across the financial services sector as companies gear up to invest heavily in artificial intelligence (AI). Nearly all management teams plan to bolster their infrastructure spending, driven by the need for enhanced operational efficiency, a competitive edge, and improved customer experiences. This surge in investment is about more than just acquiring cutting-edge technology—it’s

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February 18, 2025
Oceanpayment and Mastercard Launch Virtual Card for Global B2B Payments
Embedded Finance
Oceanpayment and Mastercard Launch Virtual Card for Global B2B Payments

In an era where cross-border transactions are routine for businesses worldwide, managing multi-currency accounts and streamlining international payments continue to pose significant challenges. To address these complexities, Oceanpayment, a renowned digital payment solutions provider, has partnered with Mastercard to unveil a new virtual commercial credit card. This cutting-edge virtual card aims to revolutionize B2B payments on a global scale by

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February 18, 2025
The Evolution and Risks of Buy Now, Pay Later Financial Services
Embedded Finance
The Evolution and Risks of Buy Now, Pay Later Financial Services

Buy Now, Pay Later (BNPL) services have reshaped consumer shopping behavior and financial management in recent years. Initially popularized by companies like Klarna, Affirm, Sezzle, and Block’s Afterpay, these schemes enabled consumers to split purchases into several interest-free installments. The convenience and apparent cost-free nature of these services attracted a broad user base, promoting their rapid adoption. However, as BNPL

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February 17, 2025