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Mikhail Hamilton

Mikhail Hamilton specializes in E-Commerce, Digital Lending, and Digital Payments. Passionate about the expansion of these industries, Mikhail's work is credited with having helped businesses in these sectors grow, develop their teams, and deliver outstanding results. 
Fintech Innovations of 2024: Digital Banking, AI Solutions, and Inclusivity
Digital Lending / Digital Payments
Fintech Innovations of 2024: Digital Banking, AI Solutions, and Inclusivity

2024 has been a landmark year for the fintech sector, showcasing a series of significant launches and technological advancements designed to redefine financial services. As various startups and established institutions unveil their cutting-edge solutions, the industry is witnessing a transformative shift towards digital banking, AI-driven platforms, and inclusive financial services. Among the standout developments are Lydia’s launch of the Sumeria

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December 30, 2024
Are Digital Marketplaces Redefining B2B Payments for 2025?
Digital Lending / Digital Payments
Are Digital Marketplaces Redefining B2B Payments for 2025?

The landscape of B2B payments has undergone a significant transformation over the past few years, with 2024 marking a pivotal year in this evolution. As businesses increasingly prioritize digital innovation, the shift towards more seamless and integrated payment operations has become evident. This article delves into the key trends that have reshaped B2B payments and explores how digital marketplaces are

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December 27, 2024
Can Digital Payments in Government Reduce Costs and Improve Efficiency?
Digital Lending / Digital Payments
Can Digital Payments in Government Reduce Costs and Improve Efficiency?

A groundbreaking initiative by the Ministry of Digital Economy aims to revolutionize the way we handle financial transactions within government institutions. The rampant use of cash results in significant financial burdens, summing up to nearly 1.5% of the nation’s GDP annually. Deputy Minister Eranga Weeraratne alarmed the public about additional concerns such as fraud, corruption, and the many inefficiencies stemming

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December 27, 2024
Is Thailand’s Digital Wallet Plan the Solution to Economic Stagnation?
Digital Lending / Digital Payments
Is Thailand’s Digital Wallet Plan the Solution to Economic Stagnation?

Amid prolonged economic stagnation, Thailand’s ambitious digital wallet project aimed to inject a whirlwind of funds into the national economy but faced significant opposition and criticism. The administration initially envisioned this program as a transformative economic stimulus by providing all citizens aged 16 and older with financial resources. However, the reaction from various sectors highlighted numerous challenges, prompting substantial modifications

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December 27, 2024
How Will Credit Unions Adapt to 2025 Payment Trends and Technology?
Digital Lending / Digital Payments
How Will Credit Unions Adapt to 2025 Payment Trends and Technology?

The world of payments is on the cusp of significant transformation as new technologies emerge, forcing credit unions to adapt to stay relevant and competitive. As we inch closer to 2025, several key trends are expected to reshape how financial transactions are conducted, pushing credit unions to embrace innovations in digital wallets, open banking, artificial intelligence, and data security. These

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December 27, 2024
How Will Mastercard and Dgpays Transform Digital Payments in EEMEA?
Digital Lending / Digital Payments
How Will Mastercard and Dgpays Transform Digital Payments in EEMEA?

Mastercard has announced a strategic partnership with Dgpays, a financial technology provider, aimed at enhancing digital payment solutions across Eastern Europe, the Middle East, and Africa (EEMEA). This highly-anticipated collaboration marks a significant milestone in the region’s ongoing push toward digital transformation and aims to introduce state-of-the-art payment technologies and loyalty programs tailored to local needs. By combining Mastercard’s extensive

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December 27, 2024
How Will Mastercard’s Acquisition of Recorded Future Enhance Security?
Digital Lending / Digital Payments
How Will Mastercard’s Acquisition of Recorded Future Enhance Security?

In a significant move to strengthen its cybersecurity prowess amidst the skyrocketing rise of digital interactions, Mastercard has completed its acquisition of Recorded Future, an AI-driven threat intelligence firm. This strategic acquisition underscores Mastercard’s understanding of the critical need to protect consumer and business transactions in an increasingly digital world. By integrating Recorded Future into its cybersecurity services, Mastercard aims

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December 27, 2024
How Does Digital Collateral Transform Credit Access Globally?
Digital Lending / Digital Payments
How Does Digital Collateral Transform Credit Access Globally?

The innovative use of digital collateral is significantly reshaping credit access in emerging markets, addressing a longstanding issue of accessibility to traditional financial systems. Initiatives in regions like Latin America, Africa, and Southeast Asia are leading this transformation, showing how technology can bridge the credit gap. Central to this revolution is the unique financing model developed by companies such as

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December 26, 2024
Navigating 2024: Digital Lending Predictions and Future Strategies
Digital Lending / Digital Payments
Navigating 2024: Digital Lending Predictions and Future Strategies

In early 2024, MeridianLink surveyed nearly 100 financial institutions to gauge their predictions and priorities for the year, providing a comprehensive outlook on the anticipated evolution of the digital lending landscape. This article evaluates those forecasts, examining their accuracy and drawing insights for the future, particularly as we move towards 2025. Decline in Physical Branches The survey’s prediction of a

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December 26, 2024
Kenyan Lending Apps Violate Borrowers’ Privacy Amid Financial Inclusion
Digital Lending / Digital Payments
Kenyan Lending Apps Violate Borrowers’ Privacy Amid Financial Inclusion

Kenya is recognized for its pioneering role in digital innovation across Africa, with mobile money services like M-Pesa setting the stage for financial inclusion. Digital lending apps, building on this trailblazing path, have become hugely popular, offering instant loans with minimal requirements. These apps, unlike traditional banks that demand collateral or formal credit histories, leverage data from a borrower’s smartphone

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December 26, 2024
Pre-Purchase Testing and Flexible Payments Drive Success
E-Commerce
Pre-Purchase Testing and Flexible Payments Drive Success

In the evolving landscape of retail transactions, the importance of pre-purchase testing and the rising demand for flexible payment options cannot be overstated. As consumers increasingly rely on online shopping, retailers are focusing on enhancing payment processes, especially during peak shopping periods like the holidays. This article delves into the critical role of payment testing and the growing preference for

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December 26, 2024
How Will WeChat’s New Gifting Feature Transform E-Commerce Trends?
E-Commerce
How Will WeChat’s New Gifting Feature Transform E-Commerce Trends?

WeChat has embarked on an ambitious enhancement of its platform by introducing a new gifting feature poised to revolutionize how users send gifts, especially with the festive season approaching. This latest addition is part of WeChat’s broader strategy to deepen its e-commerce footprint and enhance user engagement through seamless social transactions. The gifting feature is currently in beta testing for

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December 26, 2024