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Category: Insight

  • PIX without borders: how Brazil’s instant payment revolution redefines global finance

    by

    Karime Kumagai
    in

    While 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…

  • Embedded insurance and lending as the next wave of API-first financial products

    by

    Rodrigo Gardin
    in

    By 2030, the U.S. embedded insurance market could exceed USD 40 billion, while embedded lending continues to accelerate through Buy Now, Pay Later and integrated working capital solutions. Both models are redefining how financial products are delivered, powered by API-first architectures that bring services directly into the platforms people and businesses already use. How embedded…

  • API rate limiting and real-time payments: scaling digital banking experiences securely

    by

    Karime Kumagai
    in

    The 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…

  • Credit management beyond the app

    by

    Rodrigo Gardin
    in

    For years, digital lending has been associated with sleek apps and fast origination. But while the front end has improved, credit management remains fragmented, reactive, and expensive. Managing loans today means coordinating everything that happens before, during, and after disbursement.Leading institutions differentiate themselves through the automation, synchronization, and system integration that support each stage of…

  • The hidden cost of fragmented lending operations (and how to fix it)

    by

    Karime Kumagai
    in

    Behind 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…