What Are Microservices? Architecture, Importance, Advantages, Types

What are microservices? They are loosely bound, light services and protocols that can build your application. Highly specialized in nature, they tackle specific topics and handle challenges in a very agile way. Through this specialization, your application can perform better. What exactly is microservices architecture and what are the advantages of microservices?

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FinTech Wire #53: Klarna Partners with Stripe, B2B BNPL Solution to Expand into the UK

Buy now pay later solutions have been in the spotlight of the FinTech news feeds this week. Klarna has made a significant move towards further growth by partnering with another industry leader Stripe, while the German startup Billie has raised funding to bring BNPL to British businesses. However, BNPL is not all roses: a recent survey by Laybuy reveals that the majority of customers agree that credit checks should be required to access these products.

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FinTech Wire #52: Clausematch Available to Barclays Workforce, Worldcoin Promises Free Crypto

In this week’s FinTech Wire we will hear from startups Proportunity and XanPool that raised new fundings and revealed their plans for growth. We will also discuss the outcomes of the successful collaboration between Clausematch and Barclays that dates back to 2014 and learn about a brand new, minority-focused initiative by Wealth8 and WealthKernel.

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Software Infrastructure Architecture – Server or Serverless?

Both approaches have their benefits but none of them fits all. The more probable occurrence of a serious disruption for your business, the shorter recovery time you should have in place. The point for serverless is to boost your infrastructure architecture. There are other benefits, especially for small and medium-sized companies. Let’s go through them all.

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FinTech Wire #51: Biggest Equity Crowdfund on Crowdcube, UK FinTech Adoption Reaches 86%

This week the savings platform Chip breaks records with its crowdfunding round held on Crowdcube. Meanwhile, Plaid, the open banking company, has released a report revealing that more people use financial technology than video streaming services or social media. Read on for more insights from this research as well as a breakdown of new product launches from Credit Kudos, ilumoni, and GoHenry.

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Top 3 Cloud Services Providers for FinTech

Whether somebody likes it or not, cloud services providers and what they offer has changed the landscape of FinTech completely in recent years. At Code & Pepper we know it and we work with some of their products daily to make products for our clients. But which companies are the most popular and why? Let’s find out today!

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Technology Stack – What Is It? Technology at Code & Pepper

A technology stack is a full set of technologies that companies use to build a digital product or run a project. In it, you have everything ranging from programming languages, frameworks, databases, frontend and backend tools to services accessed via an API. Code & Pepper also has its technology stack. With it, you can quickly build your minimum viable product (MVP) or a full-blown application. How exactly and what comes with our tech stack?

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Ask Me AnyFin with Toni Caradonna: Empowering Nature Conservation Through Blockchain

Arrival of a new technology always stirs up a lot of emotions. It is either met with wild enthusiasm or fierce criticism. This is because of its disruptive potential which both creates new opportunities as well as threatens the status quo. This love and hate dynamic also applies to blockchain. Initially associated with Bitcoin it was criticised for high-energy consumption. Blockchain technology, however, also has its merits such as: transparency, independence and security. That’s why it started to be used in a variety of sectors and for a range of purposes such as secure sharing of medical data or supply chain and logistics monitoring. Our new Ask Me AnyFin guest, Toni Caradonna makes use of blockchain to support nature conservation communities. How does he do it? Find out in the Ask Me AnyFin interview. 

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FinTech Wire #50: Payments Processes in the Era of Digitisation and the UK as a FinTech-friendly Ecosystem

This week’s FinTech Wire news selection reflects the strong position of the UK as a FinTech-friendly ecosystem that is inclusive, technologically-advanced and based on solid regulatory foundations. When it comes to the FinTech actors, the spotlight is now on the providers of payment solutions who are pitching their scalable and cost-effective products. 

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Online Factoring – Future of Invoice Financing

Having stable finances is a principle for all businesses, but what can you do, when your clients are late with their payments too often? Instead of fighting with them and being stressed all the time, you can solve the problem once and for all. Thanks to invoice factoring services, you can ensure that your invoices are always paid on time. Now, thanks to some smart FinTech solutions, you don’t even have to do much to make it happen. Let’s find out how online factoring works and which vendors are the best for your business.

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FinTech Wire #49: Borderless Solutions Empower Their Users and Secure the Biggest Fundings

How do you overcome barriers? FinTechs featured in this week’s Code & Pepper news selection seem to know the answer providing their audiences with experiences that work across borders, help to save time and most importantly, empower their users to be in charge of their financial wellbeing. Find out more about a major Open Banking event, a fund encouraging NFT projects and successes of companies that optimise processes around payments, money transfers, education loans and donations!

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Gartner Hype Cycle – What is it, how to use it? 2022 Guide

Update

New technologies get invented and new products are created daily, but only some of them succeed long-term. But can success be predicted and can a product’s life cycle be planned for maximum benefits? Gartner’s hype cycle metrics can help you with that, find out how.

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FinTech Wire #48: TrueLayer Gains Unicorn Status, Recognise Gets Green Light from the PRA

This week the news is all about open banking. From a new Unicorn company through illuminating findings on the EU bankers’ attitudes to the UK’s largest seed round of any open banking startup. Apart from that, we’re taking a look at an SME challenger bank, a partnership built around cryptocurrency, and a study on embedded finance. Read on to get the full story.

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Ask Me AnyFin with Martins Sulte: Offering a New Investment Asset

There are many sources of inspiration in business. One of them is technology which both feeds on new ideas and breeds them. This is, particularly, true for financial technology which relies heavily on communication technology. These two: money and the Internet create the most powerful media duo in the world. No wonder there are so many volunteers eager to come up with a new product that will thrive on this combination. Martins Sulte has succeeded in doing this. His company, Mintos, is a virtual marketplace which offers a new investment asset. We invited him to our Ask Me AnyFin conversation to learn more about his offering and the details of his entrepreneurial journey. 

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FinTech Wire #46: Europe’s Largest-Ever Equity Funding Round and New British InsurTech Unicorn

European FinTechs are growing stronger. Every week we hear about yet another successful funding round and record valuation. This time, the spotlight is on InsurTech Marshmallow and BNPL startup Scalapay. There are also some interesting partnerships between multinational financial institutions and innovative FinTechs, so read on to learn more!

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FinTech Wire #45: FinTech Events Inspiring New Ideas, Partnerships and Networking Opportunities

We might be far into the second half of 2021 but there is no sign of slowing down for the financial industry. It’s as if with the end of the summer in the northern hemisphere, everyone is ready to go back to school to study and see their friends. There is a noticeable proliferation of webinars, shows and conferences such as Money 20/20 Europe or Sibos by SWIFT. There are also more and more new names joining the ranks of successful FinTechs with Sugi, Point and BankiFi taking the lead this week.  Find out the details in the latest issue of FinTech Wire!

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Embedded Finance Solutions – What Are They? Definitions and Examples

What is embedded finance? In a nutshell, it’s when a FinTech company puts its solutions in a third party’s app. For example, when you order a pizza and pay one way, out of multiple available options. Or when you are looking for a loan and your favorite financial app is recommending one of the top FinTech lending operators. The goal of embedded finance solutions is to provide a seamless and practical experience for users and broaden their choices while staying convenient.

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Ask Me AnyFin with Akshaya Bhargava: Creating a New Model of Wealth Management

What’s the future of wealth management? And what good can come out from 41 years of experience in financial services? Read or watch the next episode of our inspiring series of interviews, Ask Me AnyFin, where we talk to extraordinary insiders of the FinTech industry. This time we met with Akshaya Bhargava, the founder of Bridgeweave — a company on a mission to make investing more accessible.

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FinTech Wire #44: PayPal Users in the UK Get Access to Crypto, W1tty Secures License from FCA

New week, new startups covered in FinTech Wire. Today, you can read about Shares.io, a social investment platform, and W1tty, a challenger bank soon to be launched in the UK. We will also hear from their more experienced counterparts that have some exciting news to share: PayPal, Nubank, and TrueLayer.

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Banking as a Service – What is BaaS? Definition and Examples

Over the years, the FinTech industry has proven itself to be one of the most dynamic sectors of the global economy. Once again, it surprises with a pivot that can change customers’ habits and drive new streams of revenue. It’s called “banking as a service” (BaaS) and it stormtroops through the market. What is it? Can you participate in the trend?

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