Mondato Insight

September 19, 2024

Germany’s Cash Culture: Entrenched, But Evolving

In Germany, the winds of digitization are blowing, though they may be more swirling than a concentrated gust.

August 07, 2024

Argentina: Can Bank-Driven Wallets Compete With Big Tech Platforms?

Following the pandemic, a certain playbook for revamping digital payment ecosystems has emerged across geographies. This often involves

Can Digital Monitoring Unlock Climate Finance?

Last year, Mondato partnered with the GSMA to map the landscape of innovative finance instruments targeting improved delivery

CBDCs: The Answer To Cross-Border Inefficiencies?

Central Bank Digital Currencies (CBDCs) are a bit of a Rorschach test, depending on the central bank and

Betting on Chaos: Africa’s Thriving Online Gambling Industry

For 36-year-old Zimbabwean Charles Mpeni, a former civil servant and gambling addict, betting on horses was a harmless

Brazil and India Usher In The Open Finance Era

It took a few years of discussions, proposals and frustrations for open banking to become an actual, concrete

Fintech And The Era of Digital Public Infrastructure

When Anit Mukherjee arrived in Washington, DC in 2013, a friend suggested ordering something called Uber to pick

Open Banking in Nigeria: Are Grassroots Efforts Enough?

After several years of slow progress, some of the earliest examples of open banking frameworks have begun to

February 07, 2024

Gen AI In Emerging Markets: Is The Hype Warranted?

In an otherwise difficult funding environment, slapping “AI’ onto any product or service has become shorthand for “we’

January 10, 2024

Three Fintech Trends From 2023 — And How They May Look In 2024

In 2023, the dichotomy between success and failure in the fintech world never felt more stark. Emerging technologies

December 14, 2023

Sanctions And CFT: Recent Palestinian And Russian Case Studies

In a world of widening economic sanctions, de-risking efforts by banks too often leave expats and immigrants from

November 15, 2023

Psychometrics: What Makes A Reliable Borrower?

With various forms of data proving insufficient or invasive (or both), the quest for privacy-protective — yet repayment-predictive — data

Inclusion Through Gig Work: A Tricky Venture

The idea to utilize gig work for financial inclusion purposes is obvious, yet its manifestation is elusive. The

Bridging The Access-Usage Gap, Literacy Efforts Aren’t Key — Addressing Need Is

Even following COVID’s turbocharge of digital uptake, the slower gains in usage compared to access renders financial

Venture Philanthropy: Data for Good?

On the heels of the dot-com bubble, the intersection of private and public interests (and capital) resulted in

South Africa: A Model Of Stability Or Stymied Innovation?

Fintech in South Africa is one of many caveats. A country with a highly banked population — yet one

Small Scale Series: Island Hopping Across the Caribbean

Approximately 45 million people spread out over 7,000 islands, 13 independent countries, 20 territories, six official languages,

Post-SVB: Are Emerging Markets Digital Banks’ Oasis?

As funding goes dry and rising interest rates threaten some fintechs predicated on cheap money, the recent collapse

Japanese Fintech: Teach An Old Dog New Tricks?

The world’s third-largest economy and oldest populace, Japan’s economic and financial path is unlike any other.

Small Scale Series: Tiny Markets in West Africa

When it comes to fintech, scale sells. Any start-up seeking sustainability requires a measure of scale in a

Regulation: Time to Ask for Permission And Not Forgiveness

The common saying “ask for forgiveness and not permission” has never been more contentious than it is in

Israel: Can Sentiment Alter A Tech Sector’s Trajectory?

With the “Start-up Nation” brand and all, Israel punches far above its weight when it comes to tech.

Where Refugee Fintech Falls Short

Efforts to provide financial solutions to displaced populations have seen some progress, particularly in stable contexts where business

Are Colleges Failing At Blockchain?

Surf the internet, and you’ll find countless Twitter wars and Op-Eds about blockchain and cryptocurrencies, especially following

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