MEMBER VOICES
Member Voices
Commentary and contributed articles from Fintechly members, published in their own names, sharing their take on the industry. Their views, not ours.
When AI Agents Act on the Business’ Behalf, Who Is Accountable?
Vladimir Tikhomirov argues that enterprise infrastructure built around a human decision-maker isn't equipped for AI agents that can interpret, decide and act independently, and that businesses need to rebuild around machine identity, permissions and traceability before they can safely remove human approval steps.
Vladimir Tikhomirov
Founder, Theorem & Algebra
CLARITY or Not, America’s Status as the World’s Crypto Hub Is Not in Doubt
Shah Ramezani argues that even if the CLARITY Act stalls in the current Congress, the direction of US crypto regulation is already set, and the scale of bank and payments-industry stablecoin activity now underway means America's position as the world's crypto hub is already secure.
Shah Ramezani
Founder & CEO, Noah
BNPL’s Real Test Starts at the Point of Sale
Radi El Haj argues that as the UK's new Buy Now Pay Later rules take effect, providers that embed affordability checks directly into the transaction flow, rather than as a separate step, will protect conversion, build the audit trails regulators expect, and turn compliance into a genuine competitive advantage.
Radi El Haj
CEO, RS2
How Finance Is Rethinking Autonomy for AI Agents
Arthur Azizov argues that as AI agents take on more autonomous work, the real question for finance is no longer how many jobs they can replace, but how much unsupervised authority they can safely be given, and that the right level of autonomy should track how reversible an agent's actions are.
Arthur Azizov
Founder, B2BROKER Group and B2BINPAY
UK Fintech IPOs: Is the Market Recovering?
James Klein examines why London's homegrown fintech giants, Monzo, Revolut and Wise, are still hesitating over where to list, and what their decisions could mean for the London Stock Exchange's broader recovery.
James Klein
Partner, Spencer West LLP
Why Embedded Payments Have Become Make or Break for Booking Platforms
Grant Evans argues that as UK consumers increasingly book wellness and beauty services through third-party platforms, the payment experience is becoming the decisive factor in which platforms both consumers and businesses choose to use, ahead of discovery or price alone.
Grant Evans
Head of Sales, Integrated & Platforms, Global Payments Inc.
Infrastructure Debt is the Hidden Tax Killing Growth
Many financial services firms are still operating on outdated technology, yet modernising it rarely rises to the top of the agenda. Legacy infrastructure is treated as a maintenance issue: a cost to be contained rather than a strategic risk to be addressed.
Adam Dowling
Chief Commercial Officer, IFX Payments
MiCA’s Shakeout Will Force Wealth Managers to Confront a Crypto Data Gap
MiCA has done more than reshape the European crypto market. It has exposed a weakness wealth managers can no longer ignore: crypto is still too often treated as a reporting exception.
Radomir Mastalerz
Co-founder & CTO, WealthArc
Fintechs Are Taking Over Travel: The Rise of a New Digital Ecosystem
Deepak Gusain, COO at Cartex, explores why fintechs are taking over travel. Planning a trip today has become more than just an activity for the end customer.
Deepak Gusain
COO, Cartex
Capital Can Now Move as Fast as Global Business Does
The gap between how fast business moves and how fast capital follows is finally closing. Stablecoins and other digital rails now let treasury access and redeploy cash in near real-time, twenty-four hours a day, regardless of banking hours or time zone.
Nigel Brook-Walters
Chief Revenue Officer, COINPAYMENTS
The Critical Flaw in Insurance AI
Discover why insurers' AI investments underperform. Learn how data readiness and governance determine AI success in claims, underwriting, and fraud detection.
Errol Rodericks
Director of Product Marketing, Denodo
AI Adoption Is No Longer a Technology Challenge: It Is a Management One
Discover why 95% of AI pilots fail. Learn how leadership, governance, and management transform AI adoption into sustainable business results.
Eugenia Mykuliak
Founder and Executive Director, B2PRIME Group
U.S. Payment Rails Aren’t Ready For The Stablecoin Surge
As the GENIUS, Clarity and PACE Acts pave the way for tokenised payments at scale, Dave Scola, US CEO at Form3, explores whether U.S. payment systems are operationally ready to support this.
Dave Scola
US CEO, Form3
Payments as the Growth Engine of Digital Commerce: Why a Robust Payments Strategy Will Define Subscription Success in 2026
Worldline's Kym Lukins on why payment performance now drives subscription revenue, across seven shifts from churn recovery to agentic commerce, stablecoins and DORA.
Kym Lukins
Commercial Director Digital Services, Worldline Global
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