Julien Brault’s Post

As well as other neobank, Nubank is venturing into telecommunications. #Nubank, the Brasilian disruptor in banking, is set to redefine the telecom landscape with its upcoming venture into mobile services. Anatel, Brazil's national telecommunications agency, has given the green light to a groundbreaking partnership between Nubank and Claro Brasil. This collaboration paves the way for Nubank's entry into the mobile market through the launch of its own Mobile Virtual Network Operator (MVNO). The agreement, approved after months of anticipation, marks a significant milestone in Nubank's evolution beyond traditional banking services. While not directly involved in this venture, it's noteworthy that Guilherme M. do Lago, Nubank's CFO since February 2021, is listed as one of the administrators of Nucommerce, the entity spearheading this initiative. Nubank's bold move into telecommunications has garnered attention from both industry insiders and investors alike, signaling confidence in the company's ability to diversify and innovate. As other fintech like Revolut did recently, Nubank's entry into the telecom sector introduces a new player to the market, potentially shaking up existing dynamics and fostering innovation and competition. With its track record of customer-centric innovation, Nubank's foray into mobile services could herald a new era of affordable, user-friendly telecom offerings, challenging incumbents to up their game. Am I the only one spotting an interesting trend here? The article on Tecnoblog in the first comment. Want to stay up to date with the market? Here my newsletter: - Linkedin: https://t.ly/s541W   - Substack: https://lnkd.in/dzfGJzmW

🌐 The Future of Digital Payment Landscape in India 🚀 As we stand on the brink of a new era in the financial ecosystem, India's digital payment landscape is poised for transformative growth. With a rapidly evolving technology infrastructure and increasing smartphone penetration, the way we transact is changing faster than ever. 🔍 Key Trends to Watch: Unified Payments Interface (UPI) Evolution: National Payments Corporation Of India (NPCI) 's UPI has revolutionized peer-to-peer and merchant transactions. Its ongoing enhancements, including international remittances, CC on UPI and credit-based services, are set to further streamline digital payments. Fintech Innovation: The rise of fintech companies is introducing innovative solutions, from AI-driven fraud detection to seamless lending platforms, making financial services more accessible to the underserved. Blockchain: As regulatory frameworks take shape, we may witness greater integration of blockchain technology, enhancing security and transparency in transactions. Faster Checkouts: With advancements in payment gateways, routers like JUSPAY, Nimbbl, inai (YC S21), and platforms like GoKwik and Shiprocket we’re seeing significantly faster checkout experiences. This reduces cart abandonment and enhances customer satisfaction through streamlined payment processes. Contactless Payments: The pandemic accelerated the shift towards contactless payments. As consumer preference for convenience continues, this trend will likely cement its place in daily transactions. Digital Wallets and BNPL: With the growing acceptance of digital wallets and Buy Now, Pay Later (BNPL) options, consumers are enjoying more flexibility in how they manage their finances. Financial Literacy and Inclusion: As digital payments become more prevalent, enhancing financial literacy will be crucial to ensure everyone can participate in this digital economy. The road ahead is filled with opportunities, and collaboration between tech companies, banks, and regulators will be key to building a secure and inclusive digital payment ecosystem. Let's embrace the change and be a part of this exciting journey! 💳🚀 #DigitalPayments #Fintech #India #UPI #Innovation #FinancialInclusion #FutureOfFinance

𝐈𝐧𝐝𝐢𝐚'𝐬 𝐝𝐢𝐠𝐢𝐭𝐚𝐥 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐫𝐞𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐢𝐬 𝐢𝐧 𝐟𝐮𝐥𝐥 𝐬𝐰𝐢𝐧𝐠! UPI, e-KYC, and fintech are transforming how we transact. Let's embrace a cashless future! #ETEdgeInsights #DigitalPayments #Fintech #India #CashlessEconomy #EKYC Kunal Jhunjhunwala

Launch of PRAVAAH, RBI Retail Direct Mobile Application and FinTech Repository RBI today launched three major initiatives of the namely the PRAVAAH portal, the Retail Direct Mobile App and a FinTech Repository. ,✓ The PRAVAAH portal will make it convenient for any individual or entity to apply online for various regulatory approvals. This portal will also enhance the efficiency of various processes related to granting of regulatory approvals and clearances by the RBI. At present, 60 application forms covering different regulatory and supervisory departments of RBI have been made available on the portal. This also includes a general purpose form for applicants to submit their requests which are not included in any other application form. ✓ The Retail Direct Mobile App will provide retail investors a seamless and convenient access to the retail direct platform and provide ease of transacting in government securities (G-Secs). ✓ The Fintech Repository will contain information on Indian FinTech Sector for a better understanding of the sector from a regulatory perspective and facilitate in designing appropriate policy approaches. The FinTech Repository aims to capture essential information about FinTech entities, their activities, technology uses, etc. FinTechs, both regulated and unregulated, are encouraged to contribute to the Repository. Simultaneously, a related repository for only RBI regulated entities (banks and NBFCs) on their adoption of emerging technologies (like AI, ML, Cloud Computing, DLT, Quantum, etc.), called EmTech Repository is also being launched. RBI encourages the FinTechs and Regulated Entities to actively contribute to the Repositories. #fintechs #banks #nbfcs #payments #innovations

💳 NeoFinity Unveils NeoZAP: Transforming Digital Payments with NFC Technology. NeoFinity, the payment and fintech arm of Peak XV Partners-backed asset management company Neo Group, has introduced NeoZAP, a revolutionary digital payments tag set to redefine contactless transactions. Here's a glimpse of this groundbreaking innovation: 🚀 Innovative Technology: - NeoZAP harnesses NFC (Near Field Communication) technology, offering seamless payments with a simple tap on card machines, eliminating the need for internet connectivity. - This wearable sticker, attached to the back of a phone, ensures swift and hassle-free transactions, catering to the evolving needs of digital consumers. 🛡️ Enhanced Security and Convenience: - With a transaction speed of 480 milliseconds, NeoZAP emerges as the fastest payment method available, providing unparalleled efficiency in both online and offline transactions. - Priced at INR 499, NeoZAP boasts advanced security features, requiring no PIN entry for transactions below INR 2,000, while transactions above this threshold are safeguarded by an eight-step security protocol. 🎯 Target Audience and Partnerships: - NeoFinity aims to captivate the premium Gen Z and millennial segment in urban and Tier-II cities, offering India's first prepaid card with fraud insurance payment. - Strategic alliances with leading brands like Times Prime, PVR, INOX, Swiggy, and Zomato unlock a realm of rewards and discounts for NeoZAP users with every transaction. 📈 Future Prospects: - NeoFinity envisions onboarding 100,000 customers in its inaugural year and expanding its offerings to include credit card options and customizable tags. - This ambitious endeavor aligns with Neo Group's overarching mission to innovate and revolutionize the fintech landscape, driven by a commitment to excellence and customer-centricity. As NeoFinity pioneers the future of digital payments with NeoZAP, it heralds a new era of convenience, security, and accessibility in the realm of financial transactions, empowering consumers and transforming the way we pay. #NeoZAP #DigitalPayments #NFC #FintechInnovation #StartUpNews #BusinessNews #MicroShots #NewsUpdates

Neobanks embrace eSIMs as fintech and telcos continue to converge #neobank #neobanks #neobanking #digitalbanking #fintech #telcos Check out my domains: NeoDigitalBank.com, NeoDigitalBanks.com, NeoDigitalBanking.com Among my 70+ domains, NeoDigitalBanking.com is 2nd most viewed. What's my most viewed domain? InCarBanking.com Need a domain for Fintech/Telcos? Tahc.ai Tahc sounds like Talk and it's Chat spelled backwards, along with the .ai domain extension to say this is AI. Click on any of my domains and you will be taken to the Atom domain marketplace where you can view my 70+ domains and domain content which includes ChatGPT's thoughts on these domains and you could benefit from owning them. If interested, my domains can be acquired on the Atom domain marketplace or privately by emailing me at [email protected] https://lnkd.in/eJ3fJB5J

Innovation is occurring at a rapid pace in the payment space, which is what makes it such an exciting industry to be part of. The continuous development, adoption, and integration of new technologies that we are witnessing today is fueling the evolution of payment systems. What is particularly interesting is that innovation in recent years has been driven through collaboration between financial institutions (although sometimes forced), fintech startups, tech providers, merchants and the networks to develop integrated, interoperable, and user-centric payment ecosystems, ultimately delivering efficient, secure, and seamless payment experiences for businesses and consumers. Each stakeholder contributes uniquely to the advancement of the payments industry. New technologies like mobile devices, IoT, AI, blockchain, biometrics, and network tokens, along with emerging payment methods such as mobile wallets, contactless payments, peer-to-peer (P2P) transfers, and cryptocurrencies, are broadening access to financial services. Mangala Martinus, MD of Payments Consulting Network recorded an interesting podcast earlier this year's at the Merchant Payments Ecosystem conference with Lynsey Verrillo and Sebastian Castellano from Visa, where they shared some thoughts about the rise of 'Enablers' as catalysts for innovation in the payments industry. The term 'Enabler' is multifaceted. Visa defines enablers as payment entities activating transactions within the ecosystem. They promote interoperability by facilitating seamless integration among various payment providers, platforms, and networks. Traditionally, enablers were stakeholders within the four-party model. However, the industry now sees numerous new entities driving digital payments and supporting transformative business models outside the conventional 4-party model. i.e. 🖇️PSPs 🖇️PayFacs 🖇️Software platforms 🖇️Aggregators 🖇️Orchestrators ..amongst others Enablers are agile and responsive to market trends. They evolve their offerings to meet the demands of the payments ecosystem and capitalise on new opportunities. 👉🏽#Paymentexperts, any thoughts to share🎤? 🎧 Link to podcast: https://lnkd.in/gGHWh9i5 #mpe #ilovempe #mpe2024 #mpe2025 --- 𝑳𝒊𝒌𝒆 𝒕𝒉𝒊𝒔 𝒄𝒐𝒏𝒕𝒆𝒏𝒕? 𝑯𝒐𝒘 𝒄𝒂𝒏 𝑷𝒂𝒚𝒑𝒓.𝒘𝒐𝒓𝒌 𝒉𝒆𝒍𝒑? 𝘞𝘦 𝘢𝘳𝘦 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴, 𝘩𝘦𝘭𝘱𝘪𝘯𝘨 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴𝘦𝘴 𝘥𝘦𝘷𝘦𝘭𝘰𝘱 𝘰𝘱𝘵𝘪𝘮𝘪𝘴𝘦𝘥 𝘱𝘢𝘺𝘮𝘦𝘯𝘵 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘦𝘴. 𝘉𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘬𝘯𝘰𝘸𝘭𝘦𝘥𝘨𝘦 𝘸𝘪𝘵𝘩 𝘰𝘶𝘳 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘧𝘭𝘢𝘪𝘳, 𝘸𝘦 𝘤𝘳𝘦𝘢𝘵𝘦 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘤 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘢𝘯𝘥 𝘵𝘩𝘰𝘶𝘨𝘩𝘵 𝘭𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘢𝘴𝘴𝘦𝘵𝘴 𝘧𝘰𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘭𝘦𝘢𝘥𝘦𝘳𝘴. 𝘞𝘦 𝘢𝘭𝘴𝘰 𝘥𝘦𝘭𝘪𝘷𝘦𝘳 𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘵𝘳𝘢𝘪𝘯𝘪𝘯𝘨 𝘪𝘯 𝘰𝘶𝘳 𝘢𝘶𝘵𝘩𝘦𝘯𝘵𝘪𝘤, 𝘷𝘪𝘴𝘶𝘢𝘭𝘭𝘺 𝘦𝘯𝘨𝘢𝘨𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩. ✅ Follow Paypr.work [ˈpeɪpəwəːk] ✅ [email protected] ✅ https://paypr.work #fintech #paprwork #paymentsinfographics

Brasilian fintech Matera has secured a $100 million investment from Warburg Pincus LLC #Matera, a leading Brazilian #fintech company, has secured a significant $100 million investment from #WarburgPincus to expand its instant payment solutions into the U.S. market. Founded in 1987 by CEO Carlos Netto, Matera has been instrumental in the success of Brazil’s Pix, the instant payment system launched by the Central Bank of Brazil. Pix has revolutionized payments in Brazil, with widespread adoption allowing even street vendors to accept mobile wallet payments. Matera provides essential technology to financial institutions, enabling them to send and receive Pix transactions, generate QR codes, and perform various other functions within the Pix environment. Since Pix's introduction in 2020, Matera has experienced rapid growth, achieving a 4x increase and reaching $77 million in revenue in 2023. The company processes close to 500 million Pix transactions monthly, a figure expected to double soon. Warburg Pincus' investment gives it a majority stake in Matera, helping the company navigate the U.S. market. Matera plans to offer digital twin and QR code payment solutions in North America, enhancing but not replacing existing core banking systems. This strategy aims to make financial institutions more agile and help the U.S. catch up with Brazil in instant payments. Henrique M., Managing Director of Warburg Pincus, noted Brazil’s leadership in advanced payment infrastructure and Matera’s pivotal role in this ecosystem. With 1,100 employees and a robust subscription-based model, Matera is well-positioned to drive significant advancements in the U.S. fintech landscape. The article on TechCrunch in the first comment. Want to stay up to date with the market? Here my newsletter: - Linkedin: https://lnkd.in/d4h8zqKA  - Substack: https://lnkd.in/dzfGJzmW

Indian Fintech Sector To Reach $420 Billion By 2029: Digital Payments Body - NDTV: Indian fintech industry is projected to reach $420 billion by 2029, at a cumulative annual growth rate of 31% from around $110 billion this year, ...

🌐 The Future of Banking: Neobanks 🌐 Neobanks are revolutionizing the financial world with their digital-only platforms and user-friendly services. Unlike traditional banks, neobanks operate entirely online, offering convenient and affordable financial services. This digital-first approach allows them to provide a wide range of financial products without the overhead costs associated with physical branches. In India, neobanks like Jupiter, Niyo, and RazorpayX are at the forefront of this transformation. These innovative platforms are providing services such as savings accounts, prepaid cards, and seamless money transfers, making banking more accessible to the tech-savvy population. Jupiter focuses on simplifying banking for millennials and Gen Z, offering features like real-time spending insights and instant rewards. Niyo is carving a niche with its international travel cards, offering zero forex markup, while RazorpayX is empowering businesses with its comprehensive suite of financial tools. Globally, neobanks are making significant strides: Nubank in Latin America has attracted millions of users with its transparent fee structure and user-centric mobile app. Chime in the USA is popular for its no-fee overdraft feature and automatic savings programs. Revolut in Europe is known for its multi-currency accounts and cryptocurrency trading options. These platforms are not just banking alternatives; they are redefining what banking can be. By leveraging advanced technology, they offer personalized experiences and financial products that cater to the unique needs of their users. The rise of neobanks is a testament to the growing demand for digital convenience and financial inclusion. They are playing a crucial role in bringing banking services to underserved populations and promoting financial literacy. As technology continues to evolve, the future of banking looks incredibly promising with neobanks leading the charge. 🚀 Join the Neobanking Revolution! 🚀 #Neobanking #DigitalBanking #FinancialInclusion #Fintech #Innovation #Jupiter #Niyo #RazorpayX #Nubank #Chime #Revolut #BankingReimagined #FutureOfFinance