FinTech Innovations: From Payments to Decentralized Finance
FinTech Innovations: From Payments to Decentralized Finance FinTech keeps changing how we handle money. Today, people want fast, safe, and easy payments. From phones to cards, from apps to wallets, the path is clear: money moves in real time. Banks, startups, and tech firms all push for smoother experiences and better data. Real-time payments and real settlement rails cut delays for merchants and consumers alike. Embedded finance lets a shopping app offer payments, loans, and cards inside that same app. That makes buying simple and keeps users inside one experience. On the other side, decentralized finance, or DeFi, uses blockchain and smart contracts to lend, save, and insure with less middlemen. It promises new access to capital, especially for people who do not have it yet. Yet it also brings new risks, such as price swings, bugs in code, and unclear rules. ...