fintech digest
BNPL Regulations, Embedded Finance, Token Unlocks And More
Research Team
13 December 2024
Massive Token unlocks in December, what will happen?
At the end of 2024, the crypto market is about to face a major event: the unlocking of tokens worth a total of $5.08 billion. Among these unlocks, nearly $2 billion correspond to “cliffs”, massive scheduled releases that could significantly impact prices.
Roundup 2024: Embedded Finance redefines SMB growth and B2B dynamics
Running a small or medium-sized business (SMB) has always meant wearing many hats—juggling inventory, handling customer queries, and chasing revenue streams. But when it comes to financing, SMBs often hit a roadblock. For years, financing and managing business needs felt like swimming against the current—complex, slow, and disconnected.
Europe Embedded Finance Business Report 2024
The embedded finance industry in the region is expected to grow by 10.1% annually to reach US$35.20 billion in 2024. The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 24.6% from 2024 to 2029. The region embedded finance revenues will increase from US$35.20 billion in 2024 to reach US$105.82 billion by 2029.
Build or lease? Navigating the payment infrastructure dilemma
Today, a large number of businesses are considering the prospect of creating their own payment gateway, expecting to save money on transaction processing as well as provide merchants with full control over the process. The development from scratch offers multiple advantages. Yet, taking into account all the new requirements and compliance with the security standards, independent development can be problematic. There is also a fairly cost-effective alternative.
New proposals to regulate Buy Now Pay Later and other updates on consumer credit and mortgage
On 17 October the Treasury published a consultation on regulating the Buy Now Pay Later (BNPL) market. BNPL products currently sit outside regulation, which has meant that, among other things, firms do not need to conduct any affordability checks or provide prescribed information to customers.