Almost 74% of people in the UK are worried about unexpected expenses on a daily basis. That’s huge - whether we think of this number as a social problem or a promising target group.

A digital bank for SMEs, an online marketplace for business loans, a corporate credit card provider, and a company providing banking services to microentrepreneurs in Africa and China - a fintech revolution has come to France. We present the 10 hottest fintechs from Paris right now.

Whenever you aim to completely change the way the industry operates, expect the road to be bumpy. That is especially true for any fintech app or service. At Netguru, we are proud to have the opportunity to work with those founders who are aware but not stymied by these challenges ahead.

Swap is a P2P mobile payment app that allows users to send money to anyone on their contact list, any bank account, and any debit card number. The application has already established itself on the Mexican FinTech market. However, after the project matured, Swap's team needed help in adjusting the design to include new services and functionalities. They hired an external design team to help them with the transformation. It worked.

How to win in the financial world with the fintech expansion in full bloom? One of the largest UK banks decided to pull out the biggest guns - Lloyds Banking Group is investing more than £3bn in transforming the company and scouting talent from the digital world.

Uber for machine learning, the ultimate case law database, and AI assistant that will solve the worst nightmare of every workplace - meet the top 10 NYC startups that originated at Work-Bench.

How about a fintech evening in the heart of NYC, one of the strongest fintech hubs in the world? What started as a mere thought ended up being the most successful event in our Disruption Forum series - with over 200 attendees that joined Netguru in Manhattan to hear tips from executives of top fintech companies.

Whereas most people think of Silicon Valley as the promised land for startups, when it comes down to fintech, the landscape changes. The numbers speak for themselves - New York has beaten San Francisco in terms of fintech funding to become one of the strongest fintech hubs in the world.

The fintech industry has gained momentum, shaping the way both traditional and emerging financial institutions operate. It seems that the rapid adoption of cutting-edge technologies has become a norm in most financial services, including digital payments and money transfers, financial software, or lending and funding platforms. We decided to see whether the was a niche still unexplored. The result? Pockee, a financial platform that bridges the generation gap.

AI and machine learning have moved from the fringes to the very centre of the technology debate. But which industry has the huge datasets, along with the capital and staffing resources, to make the most of AI? As recently reported by both PwC and Gartner, it is the financial sector.

Looking for an impossible task? Try to find a corner of the global finance world yet unturned by fintech startups.

To say that a lot has happened in the last quarter of 2018 would be an understatement. Just a few weeks ago the Bank of Lithuania has granted a licence to Revolut - which basically means that the UK fintech champion can launch current accounts, loans (business and consumer), and overdrafts. First in Lithuania, later on across the EU.

Uber, Dropbox, Slack, Airbnb and many other respectable companies bet on illustrations. The reason? They all believe that an illustration is not only an adornment to a product. It’s also a powerful tool that can help increase vital business metrics, eg. conversion rates.

  2018 has been a volatile year for public equity markets around the world. Many institutional investors add alternative assets to their portfolios in order to decrease the correlation with public market volatility and pursue double-digit returns. Private Equity funds, a common investment amongst alternative assets, have been historically available only to institutional investors due to high minimums (starting around €10m). Moonfare, a Berlin-based FinTech startup, believes individual investors should also be able to invest in Private Equity funds. The company is building a technology platform that allows individual investors to invest in top-tier funds with low minimums (starting at £100k) and low fees (up to 0.5%).

The financial sector is evolving towards a network of products and services. The trend sparked by business capabilities and customer needs is driven by the technology and catalyzed by regulations. Why have APIs become the symbol of the fintech revolution? What are the API strategies that help young companies disrupt the sector? Read this post to find the answers.

Together with the rise of user-based insurance (UBI) policies, telematics is one of the digital innovations bound to have a massive impact on the insurance industry.

This fintech is probably less known than many companies such as those operating in B2C markets. But OakNorth Holdings proved that it is possible to scale to the unicorn status in a market niche as long as you’ve the right strategy.

Moonfare is a company providing its users - professional and semi-professional investors - with access to top private equity funds. The company has already developed an impressive network of skilled professionals who helped to build a successful offline product. However, Moonfare also strives to run its services online and, in doing so, it wants to offer unparalleled experience both in terms of accessibility and performance to its demanding customers.

Access to capital? Naaah. Corporate tax rates? No biggie. The biggest concern facing the C-suite is finding access to skilled software developers and engineers.

Who poses the biggest threat to fintech? How to focus on building products that people love to use daily? Is it possible to be an incumbent bank and a new bank at the same time? Will the future landscape of banking consist of only a handful of banks, and a few fintechs accompanied by Amazon, Apple, Facebook and Google?