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BNPL is Back — But Are We Ignoring the Credit Score Time Bomb?

Buy Now, Pay Later (BNPL) services exploded during the pandemic, offering consumers a seemingly pain-free way to split purchases into manageable installments. But as we head deeper into 2025, a seismic shift is happening behind the scenes that could catch millions of users off guard: BNPL loans are finally being integrated into traditional credit scoring […]

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Programmable Money: How Smart Contracts in CBDCs Will Change Government Welfare Distribution

Executive Summary Central Bank Digital Currencies (CBDCs) represent more than just digital versions of traditional money—they’re programmable financial instruments that could revolutionize how governments distribute welfare benefits. Through embedded smart contracts, CBDCs can automate eligibility verification, ensure proper fund usage, reduce administrative costs, and provide real-time transparency in social welfare programs. I. Introduction: The Evolution […]

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Digital Identity & Cybersecurity Upgrades in Fintech: Building Trust in a Zero-Trust World

Introduction The financial technology sector stands at a critical crossroads. As digital transformation accelerates and cyber threats become increasingly sophisticated, fintech companies must reimagine their approach to security and identity management. The traditional perimeter-based security model—once the cornerstone of financial institutions—has proven inadequate in today’s distributed, cloud-first environment. Enter the zero-trust security framework: a paradigm […]

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Crypto 2.0: From Exchanges to Custody — What Institutional-Grade Crypto Infrastructure Looks Like

Introduction: The Evolution Beyond Early Crypto The cryptocurrency landscape has undergone a dramatic transformation since Bitcoin’s early days. What began as a grassroots movement driven by individual miners and retail traders has evolved into a sophisticated ecosystem demanding enterprise-level infrastructure. Today’s institutional players—from hedge funds and family offices to pension funds and sovereign wealth funds—require […]

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Private Credit for Retail: Opportunities, Tokenization, and the Liquidity Trap

Introduction Private credit has emerged as one of the fastest-growing segments in alternative investments, with assets under management surpassing $1.5 trillion globally. Traditionally the domain of institutional investors, private credit is increasingly accessible to retail investors through innovative platforms and tokenization technologies. However, this democratization comes with both exciting opportunities and significant challenges, particularly around […]

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The Rise of Tokenized Bonds in Asia: Will India Join the Digital Debt Revolution?

The Asia-Pacific region has emerged as a global powerhouse in capital markets, hosting more than half of the world’s listed companies and accounting for one-third of global market capitalization. As we move deeper into 2025, a quiet revolution is transforming the traditional debt landscape: the tokenization of bonds. With blockchain technology reshaping the $141 trillion […]

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ESG Beyond Greenwashing: Real Metrics, Transition Bonds, and Impact Measurement Tools

Introduction Environmental, Social, and Governance (ESG) investing has evolved from a niche consideration to a mainstream investment approach, with global sustainable investment assets reaching unprecedented levels. However, this rapid growth has brought increased scrutiny over “greenwashing” – the practice of making misleading claims about environmental benefits to appear more sustainable than reality suggests. As investors, […]

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Insurance Tech: Parametric Insurance, On-Demand Cover, and the New Economics of Risk Transfer

The insurance industry stands at an inflection point. Traditional models built on lengthy claims processes, standardized products, and annual commitments are giving way to a new generation of technology-driven solutions that promise faster payouts, personalized coverage, and unprecedented flexibility. At the forefront of this transformation are three key innovations: parametric insurance, on-demand coverage, and digital-first […]

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The New Liquidity War: How Global Rate Volatility is Rewiring Indian Portfolio Strategy

The global financial landscape has entered a new era of unprecedented interest rate volatility, fundamentally reshaping how Indian portfolio managers navigate capital allocation decisions. As central banks worldwide grapple with inflation dynamics and economic uncertainty, the traditional playbook for emerging market investing—particularly in India—is being rewritten in real-time. The New Reality: From Stability to Perpetual […]

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Crypto startups ride a global wave of optimism

The “crypto winter” is a fading memory. After a period of intense volatility and a sharp market downturn, a powerful wave of optimism is sweeping across the global crypto landscape, and startups are at the forefront of this new momentum. Fuelled by record-breaking Bitcoin prices, a more defined regulatory climate, and a shift in investor […]

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