Is FinTech Eating the Bank's Lunch?

November 17, 2023--This paper examines how the growing presence of FinTech firms affects the performance of traditional financial institutions. The findings point to a negative impact on profitability, primarily due to a reduction in interest income and a rise in operational costs.
Although established financial institutions have tried to diversify their revenue streams, these efforts have proven inadequate to offset the losses associated with increased competition from FinTech firms.

Our study also reveals that various FinTech business models, such as Peer-to-Peer (P2P) lending and Balance Sheet lending, have varying effects on financial institutions. Cooperative banks experience more significant profit deterioration under both models, whereas (larger) commercial banks appear to benefit from partnerships with P2P platforms, as evidenced by an increase in non-interest income. Furthermore, the findings suggest that FinTech presence has a disproportionately larger adverse effect on banks in countries with more competitive, profitable, and developed financial systems. Interestingly, however, traditional financial institutions in countries with stronger regulatory frameworks appear to benefit from the expanding influence of FinTech firms.

Bitnomial Joins ISG, Opening Door to More Crypto Spot ETFs

October 29, 2025-Issued on behalf of GoldHaven Resources Corp.
Prices have surged over 25% since early 2025[1], with the precious metal holding near the $4,000 per ounce level as investors pile into safe-haven assets amid ongoing inflation and economic uncertainty.

Commodity Prices to Hit Six-Year Low in 2026 as Oil Glut Expands

October 29, 2025-Global commodity prices are projected to fall to their lowest level in six years in 2026, marking the fourth consecutive year of decline, according to the World Bank Group's latest Commodity Markets Outlook.
Inflationary Pressures Ease, But Geopolitical Tensions Cloud Outlook