Author: Gayathri
Gayathri
Gayathri P. Ajith is a content and editorial professional with a strong foundation in literature and digital media. Currently serving as a Content Editor at TechBuzz Media, she crafts insightful and accessible content across banking, compliance, and risk management domains. With a sharp focus on clarity and relevance, she brings research-backed storytelling to the evolving world of financial technology.
Digital trust has entered a new era. Between 2024 and 2025, the Behavioral Biometrics & Device Intelligence market has evolved from experimental deployment to strategic adoption. Once seen as a niche extension of fraud prevention, behavioral biometrics is now a cornerstone of financial crime compliance, continuous authentication, and AI-led identity orchestration. The SPARK Matrix™: Behavioral Biometrics & Device Intelligence study captures this transformation in full. Compared to the 2024 edition, the new study reveals an ecosystem that has expanded in maturity, vendor diversity, and technological depth. The market is no longer defined by how users type or swipe, it’s now…
The New Frontier of Money Imagine paying for a coffee in 2028 with your government’s digital currency, not a bank app or credit card, but a direct transaction with your central bank. The money settles instantly, the merchant is credited in seconds, and no intermediary rails are needed. That’s the promise of Central Bank Digital Currencies (CBDCs), and yet, the reality remains uneven. More than 130 countries are exploring CBDCs, but fewer than a dozen have reached public rollout. Projects like China’s e-CNY, Nigeria’s eNaira, and the Bahamas’ Sand Dollar are pioneering use cases, while others remain in limited pilots.…
A New Passport for the Digital Economy Imagine a future where your smartphone serves as a universally recognized passport, allowing you to cross borders, open bank accounts, or sign financial contracts anywhere in Europe. That future is fast approaching under Europe’s eIDAS 2.0 regulation and the European Digital Identity Wallet (EUDI Wallet) initiative. In recent months, the topic has been floating across LinkedIn, X, and YouTube, gathering millions of impressions from policy analysts, digital bankers, and privacy advocates alike. What makes it so viral is its dual nature: the promise of frictionless identity verification paired with deep questions around sovereignty,…
Governance, Risk, and Compliance (GRC) platforms have moved from being back-office control centers to becoming strategic intelligence layers across enterprises. What was once a compliance checklist has now evolved into a connected orchestration system, one that unifies enterprise risk, audit, cyber resilience, and ESG visibility. The SPARK Matrix™ for GRC Platforms, published by QKS Group, captures this transformation in sharp relief. A comparison of the 2023 and 2024 editions reveals a market reshaped by AI-driven risk analysis, cyber-risk quantification, and low-code automation. Some vendors consolidated their dominance, while others ascended rapidly by aligning their platforms with GenAI, ESG, and integrated…
When Your Bank Account Becomes a Smart Contract Imagine this: you deposit ₹10,000 into your savings account on Friday. Instead of sitting idle, that balance is automatically allocated into a tokenized, short-term on-chain yield instrument that earns interest over the weekend, and settles back into your account on Monday, fully compliant, auditable, and regulator-ready. This isn’t a sci-fi vision. In 2025, the once-separate worlds of Decentralized Finance (DeFi) and Traditional Finance (TradFi) are converging. What’s emerging is Hybrid Finance (HyFi), a model where digital assets, tokenized instruments, and smart contracts seamlessly interact with regulated banking systems. For banks, fintechs, and…
When Your AI Guard Dog Gets Hacked Picture this: a leading digital bank deploys AI models to detect fraudulent transactions and automate cyber response. The algorithms act as vigilant guards, spotting anomalies faster than any human team could. But one day, that same AI is deceived, fed manipulated data that blinds its detection layer. The result? A silent breach, cascading financial losses, and a regulatory firestorm. In this scenario, one question looms large: who bears the financial burden of AI-driven cyber failures, the bank, the fintech, or the insurer? This is the new frontier of cyber insurance for banks and…
The 2025 BNPL Reset: From Frictionless Checkout to Financial Discipline Black Friday 2025 painted a telling picture of how far the Buy-Now-Pay-Later (BNPL) model has evolved. A customer fills her online cart, clicks “Pay in 4,” and is declined. Moments later, she completes the same purchase on a competitor’s site. Behind this friction lies a fundamental shift: BNPL is no longer the free-flowing credit experiment it once was. The BNPL market in 2025 has reached a critical turning point. After years of hypergrowth driven by pandemic-era e-commerce and near-zero interest rates, the industry now faces rising capital costs, regulatory crackdowns,…
Card management systems (CMS) are no longer just operational backbones that ensure cards work behind the scenes. They have become central to the payments value chain, orchestrating not just issuance and settlement, but also expense management, ERP integration, and AI-powered fraud protection. The SPARK Matrix™ for Card Management Systems from QKS Group illustrates how rapidly this market is maturing. A comparison of the 2023 and 2024 editions highlights not only the vendors that held their ground, but also those that rose into leadership positions and those that slipped. Together, the findings paint a picture of a market that is shifting…
A Family’s Story in Every Transaction A young nurse in London finishes her shift, opens her phone, and in seconds sends $200 to her parents in India. Within moments, the money reflects in a mobile wallet that her mother uses to pay for groceries. A decade ago, this transfer might have taken days, cost 7–10% in fees, and required hours in line at a money transfer shop. Today, fintech is rewriting that story. The global remittance transformation is not just about cheaper payments. It is about trust, speed, financial inclusion, and embedding cross-border transfers into everyday platforms. More than $800…
A Carbon Score May Soon Matter More Than a Credit Score Imagine applying for a corporate loan in 2028. Your balance sheet looks strong, and repayment capacity is clear, but the bank still rejects the application. The reason? Your company’s carbon emissions trajectory fails the bank’s AI-powered sustainability threshold. At first glance, this seems futuristic, but truthfully, we are already entering a world where green finance meets artificial intelligence to create a new class of sustainable risk scoring models. These models are redefining how banks assess risk, price products, and comply with growing ESG regulations. What Are Sustainable Risk Scoring…