The traditional banking systems in place across the world have served billions of people and allowed them to save, invest and borrow for decades. But there are also billions of people who have been left behind as the conventional banking offering fails to meet their needs and they find themselves being excluded from the global

Both the hardest critics and proponents of cryptocurrencies like Bitcoin can agree on the fact that, for better or worse, these digital currencies are fundamentally different from fiat currencies. One of the under-discussed differences between these two currencies is their energy consumption.  In a 2022 report, the Cambridge Centre for Alternative Finance (CCAF) estimated that Bitcoin

At Future Identity North America, on May 12th, Future Identity portfolio lead Laura Camplisson spoke with Dr. Leah Houston MD, Founder and CEO of HPEC. They chatted about the urgent need for better digital identity to protect patients and physicians across the healthcare sector in North America. Leah has practiced as an emergency physician in

With hundreds of billions of dollars of total value locked into the decentralised finance (DeFi) market, this burgeoning sector is rapidly becoming an attractive target for cyber criminals and hackers. According to a CertiK State of DeFi Security Report released earlier this year, more than $1.3 billion was lost across 44 DeFi hacks due to centralisation

Few recent innovations in banking have shown the same level of potential as blockchain-based solutions, especially given the rate it has matured at since 2008. While the term Blockchain may have first entered widespread usage thanks to cryptocurrency; the applications of Blockchain-based solutions and tools have utility in countless areas of banking. David Palmer is

Facing challenges from new FinTech start-ups and shifting consumer expectations, retail banks are seeking out ways to ensure they stay ahead of the curve and keep customers satisfied. The continuing rise of DeFi (Decentralised Finance) has the potential to be embraced by retail banks to improve their offering and hold off innovative competitors. DeFi encompasses

Economists, governments, financial institutions, and crypto players are showing a growing interest in the development of central bank digital currencies (CBDCs). The term refers to a digital token of a country’s official currency, providing the public with direct digital access to central bank reserves. Issued and regulated by a national monetary authority or central bank,

Despite the significant progress made in recent years to provide banking services to unbanked individuals, more than 1.7 billion adults around the world have no access to a bank account in any form. As can be expected, citizens in emerging nations are more likely to be unbanked than those in developed countries, with the World