Jay Thibain

Jay Thibain

Banking Technology Consultant
Jay Thibain is a seasoned expert in banking and finance with a passion for fintech and innovation. Known for his straightforward writing style that prioritizes simplicity over jargon, Jay resonates with a wide audience of bankers, brokers, and fintech enthusiasts. From dissecting banking protocols to exploring investment strategies and corporate governance, Jay empowers finance professionals with the knowledge and insights they need to thrive.
Is This the End of the Payments Build vs. Buy Debate?
Digital & Technology Is This the End of the Payments Build vs. Buy Debate?

For decades, financial institutions embarking on payments modernization have found themselves at a frustrating crossroads, forced to choose between two equally unappealing paths. The "buy" option often meant purchasing rigid, one-size-fits-all vendor solutions that stifled innovation and required

Should Earned Wage Access Be Regulated as a Loan?
Regulatory & Compliance Should Earned Wage Access Be Regulated as a Loan?

The rigid bi-weekly pay cycle that has long defined American work is being rapidly dismantled by a financial technology promising immediate access to earned income before a scheduled payday. This service, known as Earned Wage Access (EWA), has surged in popularity, with a market valued at $3.2

Fed, GOP Propose Major Bank Rule Overhaul Tied to GDP
Regulatory & Compliance Fed, GOP Propose Major Bank Rule Overhaul Tied to GDP

The world of U.S. bank regulation is often seen as a landscape of rigid lines and fixed goalposts, where a bank’s fate can be determined by crossing a specific asset threshold. However, a significant shift is underway, championed by both top regulators at the Federal Reserve and key lawmakers on

Is Citigroup's Dip a Warning for Bank Earnings?
Banking Is Citigroup's Dip a Warning for Bank Earnings?

As the financial world holds its breath for the start of the fourth-quarter earnings season, Citigroup's stock performance offered a telling glimpse into the cautious sentiment gripping the market. The bank's shares experienced a notable 0.9% downturn on Wednesday, January 7, settling at $121.37 in

Is Matt Trueman the Key to Cred's AI-Powered Growth?
Banking Is Matt Trueman the Key to Cred's AI-Powered Growth?

The appointment of a deeply experienced financial technology executive often signals a pivotal shift for a growing company, sparking considerable industry analysis and speculation about its future trajectory. With UK-based fintech Cred, owned by the Quint Group, naming Matt Trueman as its new CEO,

Can Boku's New Hub Tame Global Payment Chaos?
Digital & Technology Can Boku's New Hub Tame Global Payment Chaos?

The rapid expansion of global e-commerce has created a stark paradox for businesses worldwide, where a consumer's seamless one-click purchase masks a labyrinthine network of cross-border payment complexities happening behind the scenes. As digital commerce continues its relentless march towards a

Ex-Piedmont Bankers to Launch Small Business Bank
Regulatory & Compliance Ex-Piedmont Bankers to Launch Small Business Bank

In the wake of major bank mergers that often leave small businesses feeling like a rounding error, a trio of seasoned bankers is betting that a return to personalized service, powered by modern technology, is the key to unlocking growth in North Georgia's economic future. Their new venture, Georgia

Is Currys Paving the Way for AI-Powered Shopping?
Digital & Technology Is Currys Paving the Way for AI-Powered Shopping?

In the dynamic world of retail, the checkout counter is rapidly evolving from a simple point of transaction into a critical hub for customer engagement and technological innovation. We're joined by Priya Jaiswal, a renowned authority in finance and business trends, whose work focuses on the

Instant Payouts Redefine Nordic Online Gaming
Digital & Technology Instant Payouts Redefine Nordic Online Gaming

The very fabric of the Nordic online gaming market is being rewoven by the rise of seamless, bank-based payment solutions that deliver funds in a matter of moments, not days. This profound transformation, championed by innovative FinTech firms such as the Stockholm-based company Brite, represents

What's Driving the Leadership Shakeup at Solaris?
Trends & Future What's Driving the Leadership Shakeup at Solaris?

The simultaneous replacement of a company's Chief Executive Officer and its Chief Risk Officer often signals turbulence, but for German fintech giant Solaris, it appears to be a meticulously calculated pivot toward a new strategic horizon. This significant leadership overhaul, coming less than a

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