Author: Karime Kumagai
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PIX without borders: how Brazil’s instant payment revolution redefines global finance
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in InsightWhile the U.S. is still scaling FedNow, Brazil has already turned PIX into a mass-market infrastructure for instant payments. Fast, low-cost, and universal, PIX processed over USD 5 trillion in 2024, quickly becoming Brazil’s most popular payment method.What makes PIX unique is not just its adoption curve, but its public design. Unlike many instant payment…
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API rate limiting and real-time payments: scaling digital banking experiences securely
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in InsightThe digital transformation of the financial sector has sparked a revolution in payment experiences. Transactions that once took days to settle now occur in seconds, driven by advancements in real-time payments APIs and the adoption of open ecosystems. This progress brings a new challenge: how to ensure these interactions remain secure, scalable, and seamless for…
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The hidden cost of fragmented lending operations (and how to fix it)
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in InsightBehind every seemingly successful commercial loan, there may be a fragmented system generating silent friction. This invisible friction disrupts the borrower journey, limits the ability to scale, and prevents financial institutions from becoming truly responsive to market demands.This article explores how fragmented lending operations, from post-origination workflows to servicing and customer interactions, create operational inefficiencies…
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The risks of building on legacy code
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in DevelopmentPicture a startup from the early 2000s. Back then, their system was cutting-edge. Fast-forward twenty years, and that same scrappy codebase, full of shortcuts, band-aid fixes, and outdated decisions, is still running the show. What used to be the engine is now dead weight.Sure, it still works. But at what cost? Sluggish development, security blind…
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ChatGPT applications: The biggest mistake companies make when underestimating the power of LLMs
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AI and ChatGPT applications are redefining the way businesses operate. However, most organizations still underestimate the potential of Large Language Models (LLMs) and limit their use to basic task automation. Recent research shows that this narrow view has had a negative financial impact on businesses. The ‘Microsoft New Future of Work Report 2024’ highlights that…