The Pulse of Financial Data

Presently, 88% of US consumers use fintech services to better manage their financial lives, but many can’t access secure APIs to share data from their financial services providers. When consumers try to share financial data without APIs, they can experience connection delays or failures or access out-of-date information, which severely impedes their ability to access and benefit from the fintech tools they want to use. Data exchange in finance has undergone significant transformation, evolving from early practices of credit information sharing to contemporary frameworks such as open banking, open finance, and open data initiatives. Today, approximately 68 countries, representing about 35% of the world's nations, are either implementing or developing these frameworks. Key implementation barriers that has been identified in the recent studies by Deloitte include incentivizing incumbent banks to actively participate in data exchange, fostering a competitive ecosystem for third-party providers, ensuring interoperability across digital infrastructure layers, preventing the formation of data silos, and building trust through transparency and robust governance.In view of these, we've invited Keith Raphael, Co-Founder and Chief Executive Officer from Straddle, a very promising open-banking payments platform, that enables organizations to build simpler, faster and more efficient payment flows, based in Denver, Colorado, USA, as he explains to us the value proposition, of the financial data exchange and its significant relevance to our digital economy. Corporate Website: https://straddle.comLinkedIn: Keith RaphaelCorporate Email: [email protected]

Cybersecurity in 2025 is defined by AI-driven threats, geopolitical tensions, and resilience-focused strategies. Organizations are navigating a landscape where generative AI, supply chain risks, and regulatory pressures converge, making cybersecurity not just a technical issue but a societal narrative about trust, resilience, and digital sovereignty. Malware attacks, phishing scams, and AI-driven threats are increasing day by day. Hackers now intelligently use advanced technologies to exploit security gaps and gain unauthorized access to organizational data. Together with the rise of generative AI, and advanced tools used by attackers is making it necessary for organizations to invest in stronger defenses. According to McKinsey recent report, the global cybersecurity spending will grow 12.2% in 2025 and cross $377 billion by 2028. Relatively, the US and Western Europe will lead, accounting for over 70% of global security spending, while Latin America, Asia Pacific, Central & Eastern Europe, and the Middle East & Africa as well as the other regions will experience strong growth.Therefore, cybersecurity at this point in time, is no longer just about protecting systems—it’s about safeguarding trust in digital society. The narrative is shifting toward resilience, collaboration, and ethical technology use.In view of these, we've invited Branden Wagner, former US Navy CyberSecurity Expert based in New York and presently the Head of Information Security at Mercury, a notable financial technology company with headquarters in San Francisco, California, as he explains to us the critical importance of cybersecurity to our digital economy.Corporate Website: https://mercury.comLinkedIn: Branden WagnerEmail: [email protected]

Generative AI has exploded into boardroom agendas. Nearly 80% of companies report using it, but many still see limited bottom-line impact. Agentic AI promises to change that. The way humans interact and collaborate with AI is taking a dramatic leap forward with agentic AI. Think: AI-powered agents that can plan your next trip overseas and make all the travel arrangements; humanlike bots that act as virtual caregivers for the elderly; or AI-powered supply-chain specialists that can optimize inventories on the fly, in response to fluctuations in real-time demand. These are just some of the possibilities opened up by the coming era of agentic AI.In relation to these, we've invited Manuel Ho, Founder and Chief Executive Officer at IntentAI, an Enterprise scale AI platform for AI agent orchestration, based from Singapore as he explains to us the value proposition of the agentic systems to our digital economy.LinkedIn: Manuel HoEmail: [email protected] website: https://intentai.com

Last May 2025, the United States of America made significant strides in stablecoin regulation, by advancing, the Guiding and Establishing National Innovation for U.S. Stablecoins, or most widely known as the GENIUS Act. As the first comprehensive federal framework for stablecoins, the GENIUS Act aims to provide regulatory clarity, retain innovation within the U.S., protect consumers and reaffirm the dominance of the U.S. dollar in global finance. This landmark move comes amid a surge in the use of stablecoins, which represent the majority of on-chain transaction volume.In view of these, we've invited Dipendra Jain, Co-Founder of TCX, as he explains to us the critical importance of the GENIUS Act as well as the value proposition of TCX, an AI powered crypto exchange and its significant relevance to our digital economy.LinkedIn: Dipendra JainCorporate Website: https://www.thecryptoexchange.ai

Tokenized financial assets are moving from pilot to at-scale deployment. Adoption is not yet widespread, but financial institutions with blockchain capabilities in place will have a strategic advantage.The digitization of assets seems even more inevitable now as the technology matures and demonstrates measurable economic benefits.There are risks as well as rewards for early movers: the up-front investment and risks of investing in new technology can be substantial. In the near term, banks, asset managers, and market infrastructure players, should assess their product suites and identify which assets would most benefit from transitioning to tokenized products.In view of these, we've invited Jose Fernando Pereira, Chief Executive Officer and Co-Founder at OWN, a very promising fintech company which provides an Ethereum Layer 2 solution for tokenized real-world assets from FASSET, based in Dubai, United Arab Emirates as he explains to us the value proposition of tokenization and its significant relevance to our digital economy. LinkedIn: Jose Fernando PereiraTwitter / X: @jfpereira1

For a long time, stablecoins were a bit of a niche subject—a tool for traders to move in and out of volatile assets. But in 2025, that narrative has completely changed. We've seen a whirlwind of activity, from landmark legislation to unprecedented institutional interest. Today, we're diving deep into the latest developments, from the passage of the GENIUS Act in the United States, to the growing wave of banks and tech giants launching their own versions. We'll explore how these digital dollars are moving from the fringes to the mainstream, the new use cases they're unlocking, and, of course, the ever-present risks that still lurk beneath the surface.In view of these, we've invited Benjamin Grolimund, General Manager of Flipster, based from Dubai, United Arab Emirates, as he explains to us the value proposition of Stablecoins and it's significant relevance to our digital economy. LinkedIn: Benjamin GrolimundTwitter / X: @BenGrolimundCorporate Website:  https://flipster.io

AI analytics, often referred to as augmented analytics, is a modern approach to data analysis that uses artificial intelligence to automate and enhance traditional analytics processes. It goes beyond simply reporting on what has happened to provide deeper insights, predict future outcomes, and recommend actions.It's the process of collecting, cleaning, transforming, and modeling vast amounts of data from all over the world to discover meaningful patterns and insights. Moreover, it's the engine that powers modern decision-making, helping companies and organizations navigate a complex, data-rich landscape. In view of these, we've invited Parijat Banerjee, Global Head of Business Services at Latentview analytics and also an active member of the Forbes Finance Council based from Richmond, Virginia, USA, as he explains to us the value proposition of AI Analytics and its significant relevance to our digital economy.Corporate Website: https://www.latentview.com/LinkedIn: Parijat BanerjeeEmail: [email protected]

In the contemporary digital age, digital financial literacy has become increasingly significant. Digital financial literacy refers to an individual's ability to understand and utilize financial products and services in a digital environment, encompassing financial knowledge, digital technology application skills, and the capacity to identify and manage financial risks. The rapid development of the digital economy has further highlighted its importance, making the enhancement of digital financial literacy essential for adapting to the digital economy, safeguarding financial security, and promoting social progress.In view of these, we've invited Michelle Campbell, the author of a compelling book “Bluebird” and the Founder of nonprofit social services “Stability” based from Atlanta, Georgia, United States, which focuses on financial education so as to understand the value proposition of financial health and literacy as well as its significant relevance to our digital economy. LinkedIn: "Michelle C." (Michelle Campbell)Email: [email protected] Website: https://bymichellecampbell.com/

For both novice and experienced investors who want to grow their capital significantly and build wealth over the long term may find wealth management to be of great assistance. With the onset of the digital age, many financial services including tax planning and investment advisories are adopting tech-friendly approach. Following this recent development, it is evident that digital wealth management tools, such as DIY investment platforms, can revolutionize how investors like you manage your wealth. In view of these, we've invited a seasoned Wealth Management advisor, Marc-Olivier Francq, a French and Swiss national with over two decades of experience in Private Banking and Wealth Management as well as Strategy Consulting and Business Advisory, principally in Asia. He has held several business development and product management positions in leading banks such as Standard Chartered Bank, Deutsche Bank, Development Bank of Singapore, Temasek-owned Alliance Bank, and the Swiss boutique private bank Union Bancaire Privee, among others and presently working with Security Bank as he explains to us the value proposition of Wealth Management and it’s significant relevance to our digital economy. LinkedIn: Marc-Olivier FrancqEmail: [email protected]

Recognizing the rising demand for a seamless digital banking experience, it is imperative for incumbent banks to diversify their technology strategy. This strategy is essential to rapidly bring new products and services to market while managing the constraints of legacy infrastructure. Leveraging technology capabilities and in-depth knowledge of navigating the complexities of delivering tailored solutions for financial institutions, which empowers to enable more clients to scale and modernize with our modularized capabilities.In view of these, we've invited Mike Breen, Chief Commercial Officer at "audax" from Singapore, a Standard Chartered-backed digital banking tech solutions provider committed to empowering financial institutions to build scalable, secure, and future-proof banking ecosystems as he walks us through its value proposition and it’s significant relevance to our digital economy. Corporate website: audax.ioLinkedIn: Mike BreenCorporate Email: [email protected]