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Home | Authors | Mikhail Hamilton
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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. 
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
New Digital Payment System Enhances SASSA Grant Distribution Efficiency
Digital Lending / Digital Payments
New Digital Payment System Enhances SASSA Grant Distribution Efficiency

A new digital payment system for South African Social Security Agency (SASSA) grants has been introduced by a leading financial services provider. This system aims to make grant access easier, faster, and more convenient for millions of South Africans. Approximately 45% of South Africa’s 60 million people rely on SASSA grants, including child support, old-age pensions, and disability benefits. The

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December 26, 2024
Cash Still Crucial for Travelers in Bali Despite Digital Payment Growth
Digital Lending / Digital Payments
Cash Still Crucial for Travelers in Bali Despite Digital Payment Growth

In recent years, the world has seen a significant shift toward digital payments, with contactless and online banking systems becoming the norm. The COVID-19 pandemic further accelerated this trend, pushing many towards adopting digital wallets and online banking solutions for their financial needs. However, for travelers visiting Bali, the necessity of carrying cash remains essential despite these advancements. Bali is

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December 26, 2024
Klarna Becomes Default Payment Method on WooCommerce’s WooPayments
E-Commerce
Klarna Becomes Default Payment Method on WooCommerce’s WooPayments

In a transformative move for the ecommerce landscape, Klarna has expanded its partnership with WooCommerce, making it the default payment option for merchants using WooPayments. Klarna, a leader in AI-powered global payments and shopping assistance, transitions from an alternative payment method to a convenient, default choice for retailers. This collaboration opens the door for merchants to offer consumers several versatile

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December 24, 2024
Is Ant Group’s Restructuring a Catalyst for Growth in Digital Payments?
Digital Lending / Digital Payments
Is Ant Group’s Restructuring a Catalyst for Growth in Digital Payments?

In a significant strategic move, Ant Group recently announced an organizational restructuring, leading to the formation of two new business groups: the Digital Payment Biz Group and the Alipay Biz Group. This restructuring decision appears to be a calculated effort to streamline operations and enhance the company’s focus on core competencies in digital payment solutions and financial services. By forming

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December 24, 2024
Future Payment Trends: AI Fraud Detection, Cross-Border Payments & More
Digital Lending / Digital Payments
Future Payment Trends: AI Fraud Detection, Cross-Border Payments & More

The landscape of digital payments is rapidly evolving, driven by technological advancements and changing consumer behaviors. The seamless and efficient financial transactions we see today have set the stage for significant trends expected to shape the future of payments as we move towards 2025 and beyond. These advancements promise to enhance security, efficiency, and inclusivity in our financial ecosystem while

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December 24, 2024
How Will Pay3 Revolutionize Digital Payments on Telegram?
Digital Lending / Digital Payments
How Will Pay3 Revolutionize Digital Payments on Telegram?

Pay3 Limited has unveiled an innovative digital payment platform that promises to revolutionize how Telegram users interact with digital assets. This new initiative aims to simplify cryptocurrency transactions within the TON ecosystem, underscoring the accessibility to decentralized finance (DeFi). The platform is designed to seamlessly integrate payment features directly within the Telegram app, allowing users to manage their digital assets

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December 24, 2024