Thoughts
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Chaordic Vision: The Origins of Visa and the Cashless Society

It was a rainy October day in 1969 when 39-year-old banker Dee Hock finally reached his breaking point.

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Joe Williams and the Fresno Drop: How Unpaid Credit Cards Created the Modern World

September, 1958.

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Iron Out the Details: The Invention of the Magnetic Strip ​

Hey everyone, A confession: I haven’t spent nearly enough time studying the history of our industry - and if Kunai i...

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How Do You Talk With Your Kids About AI?

This post was originally shared on our CEO Sandeep Sood's LinkedIn profile.

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Embracing the Last Interface: How Apps Will Adapt to AI

In 1979, technologist and writer Brian Roemmele predicted that all software would eventually collapse into a single i...

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Sr. Product Manager Natasa Trajkovic Builds on an Understanding of Client Business Initiatives

Natasa Trajkovic is a Senior Product Manager at Kunai.

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AI Innovation vs. Novelty

This post was originally shared on our CEO Sandeep Sood's LinkedIn profile.

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Five Benefits of Digital Transformation In Banking

Find out about the benefits of digital transformation in banking.

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The Future of HR for Tech Companies: What to Expect Going Forward

Take a look at what HR for tech companies is going to look like.

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Cybersecurity in FinTech: 5 Best Practices for Developing a Secure FinTech App

Learn more about the security best practices for fintech application development.

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Remote Onboarding Checklist for Development Teams

Having a remote onboarding checklist is essential for every new hire.

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Building Accessible Products

An estimated 253 million people are affected by some form of blindness or visual impairment.

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Standards and Certifications for Financial Compliance

In today’s world of security and compliance, your organization’s future might rest on how you tackle financial compli...

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Marqeta Integration 101: First Steps and Basic API Structure

The number of companies using Marqeta to issue credit cards and process payments continues to grow quickly.

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Off The Clock: Discovering a Solution for Generating 2D Maps in Gaming

When I’m not building fintech solutions at Kunai, I’m often engaged in other types of creative problem solving in my ...

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How Banks Survive the Great Resignation

Finance has gone digital, but so has everything else.

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How to Build a Robust Customer Experience Around Your Digital Lending Products

Digital lending is more accessible than ever before thanks to warp-speed digital transformation.

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As Bank Branches Go Digital, How Do They Attract Customers?

As foot traffic returns to branches, banks need to reevaluate how digital channels and physical locations intersect t...

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Social Media eCommerce: A New Contender in “Shopping Wars”

Facebook, Instagram, and now TikTok are taking on eCommerce with in-app stores.

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Creating a Scalable Credit Card Rewards Platform

As consumers change the ways they shop, purchase, and manage their finances, card issuers and merchants can work toge...

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How Merchants and Payment Networks Can Work Together to Transform Shopping

Ninety percent of e-grocery customers will continue buying food online even after the pandemic.

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How Tech Platforms Are Changing Verification and Authentication

To compete in the digital market, financial apps and websites require secure and seamless onboarding experiences.

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Kunai CX Comics presents: BNPL

Kunai CX Comics presents: Buy Now, Pay Later

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Is 2021 The Year of Open Banking?

Transparency and access to data and APIs has led to exponential growth in almost every industry but banking.

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Fintechs and the Government Teamed Up for COVID: Will It Last?

Fintech companies assisted millions of people accessing COVID relief stimulus payments and PPP funds.

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How Banks Can Use Customer Data to Compete with BNPL Fintech

The economic landscape of 2020 pushed consumers to widen their search for purchase financing options.

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From Cost to Profit Center: How Banks Can Flip Treasury Management

Automation is revolutionizing treasury services.

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Open Banking Begins at Home: What US Banks can Learn from an Email Jeff Bezos sent in 2002

Open Banking is a simple idea.

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When does a bank become a tech company?

if adopting technology simply strengthens your current business, as opposed to making it uniquely possible, you are n...

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The Evolution of Planet FinTech

If FinTech were a planet, what creatures would dot its landscape?

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Profile: Maya Kumits

Hey, I’m Maya.

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What Banks Can Learn, and Earn, from Underbanked Customers

Underbanked customers often turn to payday loans and check cashing to meet their financial needs.

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5MF Issue 4: The 401k

The thing I love most about writing 5-Minute Fintech is that I usually find I’m missing something quite basic about a...

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5MF Issue 1: Pre-Income Servicing

Learn about the unique advantage merchant platforms and aggregators have over other B2B lenders.

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5MF Issue 3: DeFi & Compound Finance

DeFi, Compound Finance, and Lending

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ISO 20022: Preventing Payments from Getting Lost In Translation

Everyone's buzzing about ISO 20022, the new messaging standard slated for global adoption by 2025.

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5MF Issue 2: The Core Banking System

What is a Core Banking System?

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5MF Issue 6: What Do People Want From Money?

People want to become wealthier to make them happier.

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Banks Thrive on Customer Service, So Why Leave it to Robots?

Banks are racing to transition the majority of customer service to conversational AI.

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Banking on the Subscription Economy

Consumers today subscribe to everything from grocery delivery to scented candles.

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How 2020 Has Already Begun Shaping the Future of Fintech

COVID-19 and lockdowns drastically changed consumer behavior and catapulted mobile and digital payments to the purcha...

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Digital transformation: The revenue leak banks don’t talk about

For banks, the failure to innovate doesn’t come from a lack of will, money or effort

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How Virtual Cards Improve Mobile Wallet Security and the Customer Experience

As contactless payments become more common in the wake of COVID-19, virtual credit cards offer a desirable layer of s...

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Profile: John Anderson

Hey, I’m John.

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COVID May Be Ushering in an Age of Contactless Payments

Demand for touchless technologies in 2020 has U.

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Will Bitcoin Go Mainstream?

For as long as there have been great decentralized movements, there have been powerful institutions and governments t...

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Building Prospect Relationships in the Age of COVID

Until COVID-19 came along, project ideas and proposals were discussed in person.

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Will Digital Behavior Affect Credit Scores in the Future?

Successes and failures of experiments like social credit and mobile credit scoring could change how FICO determines A...

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How Wirecard Became Germany’s Enron

The Wirecard saga unfolded for years before the company’s catastrophic failure.

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The East India Company: A Lingering Lesson On Corporate Abuse

In the 18th and 19th centuries, the East India Company rose unchecked into a position of unprecedented power in India.

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How Embedded Finance Products Are Taking a Bite out of Banking

Fintech is enabling businesses to do more with less.

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How Credit Card Rewards Can Rebuild Consumer Loyalty in the Age of Amazon

Online aggregators allow customers to shop for deals, anonymizing brands and undermining their loyalty to merchants.

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The Erie War: When Bankers Were Brawlers

Trains, police disguises, and a three-day battle.

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Three May Keep a Secret if Two Are Dead: Protect Sensitive Data Without Killing Your IT Staff

You should never trust any one person or system with data of significant value.

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Our New Contact Tracing App Helps Make Offices Safe Again

As the world waits to take its first steps back to work, contact tracing can pave the way for businesses to open up s...

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A Primer for Working Remotely

I’ve been managing fully remote and mixed on-shore off-scope teams for a decade now.

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Innovation is Smaller Than it Looks

Have you flexed your tiny idea muscles lately?

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Trust No 1

The current security model is simple.

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Is the Stock Market Benefitting from the Pandemic’s Epidemic of Boredom?

In this shutdown, the entertainment value of financial investing shines.

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Is it Gold? Cash? Or a Ponzi Scheme? Three ways to value Bitcoin.

Economists are just beginning to wrap their heads around the economics of Bitcoin.

NoCode: How Execs Will Soon Build Tech at Warp Speed

Business executives know what they want their websites and apps to accomplish, but getting there can be cumbersome an...

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COBOL: A Forgotten Technology at the Heart of COVID Stimulus Payments

As the US Treasury pumps more money into the much-needed stimulus package, the technology running the mainframes is o...

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Profile: Andrii Gorishnii

Pryvit!

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Plastic Past: The history of the credit card

Fiat money is a 4,000 year old socio-cultural institution.

Recent Thoughts on FinTech

All articles
logo
Chaordic Vision: The Origins of Visa and the Cashless Society

It was a rainy October day in 1969 when 39-year-old banker Dee Hock finally reached his breaking point.

logo
Joe Williams and the Fresno Drop: How Unpaid Credit Cards Created the Modern World

September, 1958.

logo
Iron Out the Details: The Invention of the Magnetic Strip ​

Hey everyone, A confession: I haven’t spent nearly enough time studying the history of our industry - and if Kunai i...

logo
How Do You Talk With Your Kids About AI?

This post was originally shared on our CEO Sandeep Sood's LinkedIn profile.

logo
Embracing the Last Interface: How Apps Will Adapt to AI

In 1979, technologist and writer Brian Roemmele predicted that all software would eventually collapse into a single i...

logo
Sr. Product Manager Natasa Trajkovic Builds on an Understanding of Client Business Initiatives

Natasa Trajkovic is a Senior Product Manager at Kunai.