Efi Pylarinou
@efiglobal.bsky.social
Your Global Fintech & Tech Influencer
linktr.ee/Efiglobal
linktr.ee/Efiglobal
Merry Xmas to all!
Enjoy this holiday season, rest, connect and reflect.
Enjoy this holiday season, rest, connect and reflect.
December 24, 2025 at 6:26 PM
Merry Xmas to all!
Enjoy this holiday season, rest, connect and reflect.
Enjoy this holiday season, rest, connect and reflect.
X Money was promised for 2024. Then early 2025. Then "later this year."
Now it's late 2025, and they're still hiring the tech lead to "build from the ground up."
The "everything app" vision stays perpetually on the horizon.
Now it's late 2025, and they're still hiring the tech lead to "build from the ground up."
The "everything app" vision stays perpetually on the horizon.
December 23, 2025 at 5:30 PM
X Money was promised for 2024. Then early 2025. Then "later this year."
Now it's late 2025, and they're still hiring the tech lead to "build from the ground up."
The "everything app" vision stays perpetually on the horizon.
Now it's late 2025, and they're still hiring the tech lead to "build from the ground up."
The "everything app" vision stays perpetually on the horizon.
Reality check: Bitcoin ETF fees are climbing back UP.
0% promos → now 0.20-0.25% is the new normal.
Land-grab phase complete. Year 2-3 competition is infrastructure depth:
- Options availability
- Custody integration
- Tax optimization tools
- Derivatives liquidity
Compete on features, not fees.
0% promos → now 0.20-0.25% is the new normal.
Land-grab phase complete. Year 2-3 competition is infrastructure depth:
- Options availability
- Custody integration
- Tax optimization tools
- Derivatives liquidity
Compete on features, not fees.
December 17, 2025 at 6:26 PM
Reality check: Bitcoin ETF fees are climbing back UP.
0% promos → now 0.20-0.25% is the new normal.
Land-grab phase complete. Year 2-3 competition is infrastructure depth:
- Options availability
- Custody integration
- Tax optimization tools
- Derivatives liquidity
Compete on features, not fees.
0% promos → now 0.20-0.25% is the new normal.
Land-grab phase complete. Year 2-3 competition is infrastructure depth:
- Options availability
- Custody integration
- Tax optimization tools
- Derivatives liquidity
Compete on features, not fees.
PayPal files for bank charter in lending push
PayPal's ILC ≠ Stripe's MALPB
PayPal: Deposits & lending
Stripe/Checkout.com: Card network access
Fintechs going vertical—different paths to control 🏦
buff.ly/8ymplpz
PayPal's ILC ≠ Stripe's MALPB
PayPal: Deposits & lending
Stripe/Checkout.com: Card network access
Fintechs going vertical—different paths to control 🏦
buff.ly/8ymplpz
December 16, 2025 at 6:26 PM
PayPal files for bank charter in lending push
PayPal's ILC ≠ Stripe's MALPB
PayPal: Deposits & lending
Stripe/Checkout.com: Card network access
Fintechs going vertical—different paths to control 🏦
buff.ly/8ymplpz
PayPal's ILC ≠ Stripe's MALPB
PayPal: Deposits & lending
Stripe/Checkout.com: Card network access
Fintechs going vertical—different paths to control 🏦
buff.ly/8ymplpz
From Boardroom to Code: How AI and Standards Are Collapsing Banking Transformation Timelines
My reflections from the BIAN Summit 2025, Chicago
www.linkedin.com/pulse/from-b...
My reflections from the BIAN Summit 2025, Chicago
www.linkedin.com/pulse/from-b...
November 24, 2025 at 6:02 PM
From Boardroom to Code: How AI and Standards Are Collapsing Banking Transformation Timelines
My reflections from the BIAN Summit 2025, Chicago
www.linkedin.com/pulse/from-b...
My reflections from the BIAN Summit 2025, Chicago
www.linkedin.com/pulse/from-b...
Top AI Books to Read in 2025 www.ai-supremacy.com/p/top-ai-boo...
November 9, 2025 at 4:00 PM
Top AI Books to Read in 2025 www.ai-supremacy.com/p/top-ai-boo...
Yes it is early for Embedded finance in an Agentic world. But hey, we need to future-proof businesses!
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by
@ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis.
Bring your questions.
Join the conversation. RSVP 👉 buff.ly/56Oul1O
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by
@ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis.
Bring your questions.
Join the conversation. RSVP 👉 buff.ly/56Oul1O
November 2, 2025 at 6:01 PM
Yes it is early for Embedded finance in an Agentic world. But hey, we need to future-proof businesses!
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by
@ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis.
Bring your questions.
Join the conversation. RSVP 👉 buff.ly/56Oul1O
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by
@ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis.
Bring your questions.
Join the conversation. RSVP 👉 buff.ly/56Oul1O
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by @ShaulDavidUK
in conversation w/ @griffinbank CEO David Jarvis.
📅 November 3rd, 2025 | 5:00pm CET | 12:00pm EST
Bring your questions.
Join the conversation. RSVP 👉 lnkd.in/daTBYMRR
in conversation w/ @griffinbank CEO David Jarvis.
📅 November 3rd, 2025 | 5:00pm CET | 12:00pm EST
Bring your questions.
Join the conversation. RSVP 👉 lnkd.in/daTBYMRR
October 30, 2025 at 6:26 PM
`𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈` on the FS i-Hub led by @ShaulDavidUK
in conversation w/ @griffinbank CEO David Jarvis.
📅 November 3rd, 2025 | 5:00pm CET | 12:00pm EST
Bring your questions.
Join the conversation. RSVP 👉 lnkd.in/daTBYMRR
in conversation w/ @griffinbank CEO David Jarvis.
📅 November 3rd, 2025 | 5:00pm CET | 12:00pm EST
Bring your questions.
Join the conversation. RSVP 👉 lnkd.in/daTBYMRR
Check out my latest
AI Uncovers Africa's Hidden Data Revolution: From 'Thin Files' to Rich Insights www.linkedin.com/pulse/ai-unc...
AI Uncovers Africa's Hidden Data Revolution: From 'Thin Files' to Rich Insights www.linkedin.com/pulse/ai-unc...
October 21, 2025 at 12:30 PM
Check out my latest
AI Uncovers Africa's Hidden Data Revolution: From 'Thin Files' to Rich Insights www.linkedin.com/pulse/ai-unc...
AI Uncovers Africa's Hidden Data Revolution: From 'Thin Files' to Rich Insights www.linkedin.com/pulse/ai-unc...
The Battle for Agent Payments: Who Can Challenge Google's AP2? sifintechpulse.substack.com/p/the-battle...
October 5, 2025 at 4:30 PM
The Battle for Agent Payments: Who Can Challenge Google's AP2? sifintechpulse.substack.com/p/the-battle...
BANK & FINTECH PARTNERSHIPS - AN INSIDER’S VIEW futures-financial-forum.mn.co/events/bank-...
September 28, 2025 at 5:24 PM
BANK & FINTECH PARTNERSHIPS - AN INSIDER’S VIEW futures-financial-forum.mn.co/events/bank-...
🔥 October's just getting started at FS i-Hub
🔹 Bank-Fintech Partnerships (Oct 1)
🔹 Variable Recurring Payments (Oct 7)
🔹 AI in Banking Reality (Oct 8)
Real experts. Real problems. Real solutions.
👇 Details & RSVP
www.linkedin.com/pulse/beyond...
#FinTech #OpenBanking
🔹 Bank-Fintech Partnerships (Oct 1)
🔹 Variable Recurring Payments (Oct 7)
🔹 AI in Banking Reality (Oct 8)
Real experts. Real problems. Real solutions.
👇 Details & RSVP
www.linkedin.com/pulse/beyond...
#FinTech #OpenBanking
September 25, 2025 at 8:55 AM
🔥 October's just getting started at FS i-Hub
🔹 Bank-Fintech Partnerships (Oct 1)
🔹 Variable Recurring Payments (Oct 7)
🔹 AI in Banking Reality (Oct 8)
Real experts. Real problems. Real solutions.
👇 Details & RSVP
www.linkedin.com/pulse/beyond...
#FinTech #OpenBanking
🔹 Bank-Fintech Partnerships (Oct 1)
🔹 Variable Recurring Payments (Oct 7)
🔹 AI in Banking Reality (Oct 8)
Real experts. Real problems. Real solutions.
👇 Details & RSVP
www.linkedin.com/pulse/beyond...
#FinTech #OpenBanking
🔵 Join us - The Fintech Book Club- on Linkedin live as we discuss Theo Lau`s new book ``Banking on (Artificial) Intelligence.
w/ @mi_jim @stessacohen
RSVP 👉 www.linkedin.com/events/finte...
w/ @mi_jim @stessacohen
RSVP 👉 www.linkedin.com/events/finte...
September 23, 2025 at 5:26 PM
🔵 Join us - The Fintech Book Club- on Linkedin live as we discuss Theo Lau`s new book ``Banking on (Artificial) Intelligence.
w/ @mi_jim @stessacohen
RSVP 👉 www.linkedin.com/events/finte...
w/ @mi_jim @stessacohen
RSVP 👉 www.linkedin.com/events/finte...
🔴 The global "Peak Branch" phenomenon is reshaping banking worldwide – 𝐁𝐫𝐚𝐧𝐜𝐡 𝐓𝐨𝐦𝐨𝐫𝐫𝐨𝐰 is the ONLY Book documenting this.
@brettking launched it at #Money2020ME as a Kindle bestseller! 🚀
Honored to contribute w/ @richardturrin @thepsironi @JimMarous @brunoevdiniz
Order now 📖 BranchTomorrow.com
@brettking launched it at #Money2020ME as a Kindle bestseller! 🚀
Honored to contribute w/ @richardturrin @thepsironi @JimMarous @brunoevdiniz
Order now 📖 BranchTomorrow.com
September 18, 2025 at 5:26 PM
🔴 The global "Peak Branch" phenomenon is reshaping banking worldwide – 𝐁𝐫𝐚𝐧𝐜𝐡 𝐓𝐨𝐦𝐨𝐫𝐫𝐨𝐰 is the ONLY Book documenting this.
@brettking launched it at #Money2020ME as a Kindle bestseller! 🚀
Honored to contribute w/ @richardturrin @thepsironi @JimMarous @brunoevdiniz
Order now 📖 BranchTomorrow.com
@brettking launched it at #Money2020ME as a Kindle bestseller! 🚀
Honored to contribute w/ @richardturrin @thepsironi @JimMarous @brunoevdiniz
Order now 📖 BranchTomorrow.com
🏦➡️🧠The "single brain" concept could transform banking forever
Fascinating discussion with @DharmeshMistry about breaking down barriers between AI natives and traditional banking thinking.
Full video: "𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐁𝐚𝐧𝐤𝐢𝐧𝐠: 𝐔𝐧𝐥𝐞𝐚𝐬𝐡𝐢𝐧𝐠 𝐭𝐡𝐞 '𝐒𝐢𝐧𝐠𝐥𝐞 𝐁𝐫𝐚𝐢𝐧'"
youtu.be/U2bHxPAvTW8?...
#fintech #Banking #AI
Fascinating discussion with @DharmeshMistry about breaking down barriers between AI natives and traditional banking thinking.
Full video: "𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐁𝐚𝐧𝐤𝐢𝐧𝐠: 𝐔𝐧𝐥𝐞𝐚𝐬𝐡𝐢𝐧𝐠 𝐭𝐡𝐞 '𝐒𝐢𝐧𝐠𝐥𝐞 𝐁𝐫𝐚𝐢𝐧'"
youtu.be/U2bHxPAvTW8?...
#fintech #Banking #AI
September 14, 2025 at 11:30 AM
🏦➡️🧠The "single brain" concept could transform banking forever
Fascinating discussion with @DharmeshMistry about breaking down barriers between AI natives and traditional banking thinking.
Full video: "𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐁𝐚𝐧𝐤𝐢𝐧𝐠: 𝐔𝐧𝐥𝐞𝐚𝐬𝐡𝐢𝐧𝐠 𝐭𝐡𝐞 '𝐒𝐢𝐧𝐠𝐥𝐞 𝐁𝐫𝐚𝐢𝐧'"
youtu.be/U2bHxPAvTW8?...
#fintech #Banking #AI
Fascinating discussion with @DharmeshMistry about breaking down barriers between AI natives and traditional banking thinking.
Full video: "𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐁𝐚𝐧𝐤𝐢𝐧𝐠: 𝐔𝐧𝐥𝐞𝐚𝐬𝐡𝐢𝐧𝐠 𝐭𝐡𝐞 '𝐒𝐢𝐧𝐠𝐥𝐞 𝐁𝐫𝐚𝐢𝐧'"
youtu.be/U2bHxPAvTW8?...
#fintech #Banking #AI
🔵 My Analysis of Digital Black Markets!
Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
open.substack.com/pub/sifintec...
Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
open.substack.com/pub/sifintec...
August 30, 2025 at 1:01 PM
🔵 My Analysis of Digital Black Markets!
Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
open.substack.com/pub/sifintec...
Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
open.substack.com/pub/sifintec...
This week's AI in FinServ curation: Infrastructure meets reality 🏦🤖
The shift from AI-as-a-tool to AI-native financial infrastructure is accelerating. Full analysis below (Subscribe for weeklies) ⬇️
www.linkedin.com/pulse/infras...
The shift from AI-as-a-tool to AI-native financial infrastructure is accelerating. Full analysis below (Subscribe for weeklies) ⬇️
www.linkedin.com/pulse/infras...
June 28, 2025 at 8:55 AM
This week's AI in FinServ curation: Infrastructure meets reality 🏦🤖
The shift from AI-as-a-tool to AI-native financial infrastructure is accelerating. Full analysis below (Subscribe for weeklies) ⬇️
www.linkedin.com/pulse/infras...
The shift from AI-as-a-tool to AI-native financial infrastructure is accelerating. Full analysis below (Subscribe for weeklies) ⬇️
www.linkedin.com/pulse/infras...
May 30, 2025 at 5:26 PM
Mobile Money continues to make a difference in people`s lives! c. 50% increase yoy!
The State of the Industry Report on Mobile Money 2025, GSMA
The State of the Industry Report on Mobile Money 2025, GSMA
May 30, 2025 at 8:55 AM
Mobile Money continues to make a difference in people`s lives! c. 50% increase yoy!
The State of the Industry Report on Mobile Money 2025, GSMA
The State of the Industry Report on Mobile Money 2025, GSMA
Marketing Giant or Banking Innovator? The Polarizing Chime IPO Debate buff.ly/ZXfBiwN
May 23, 2025 at 8:55 AM
Marketing Giant or Banking Innovator? The Polarizing Chime IPO Debate buff.ly/ZXfBiwN
🔵 @CDixon just led the seed round for Catena Labs focused on payment rails for AI agents.
We know that our payment infrastructure is stuck in the human era.
📍3 infrastructure items that need attention:
🔐 Verifying Trusted Agents
🏛️ Built-in Compliance
⚡ Fraud Detection
We know that our payment infrastructure is stuck in the human era.
📍3 infrastructure items that need attention:
🔐 Verifying Trusted Agents
🏛️ Built-in Compliance
⚡ Fraud Detection
May 22, 2025 at 5:26 PM
🔵 @CDixon just led the seed round for Catena Labs focused on payment rails for AI agents.
We know that our payment infrastructure is stuck in the human era.
📍3 infrastructure items that need attention:
🔐 Verifying Trusted Agents
🏛️ Built-in Compliance
⚡ Fraud Detection
We know that our payment infrastructure is stuck in the human era.
📍3 infrastructure items that need attention:
🔐 Verifying Trusted Agents
🏛️ Built-in Compliance
⚡ Fraud Detection
🟣 Happy World Book Day!
The chapter I`ve contributed on `𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐥𝐢𝐤𝐞 𝐚𝐧 𝐀𝐈-𝐧𝐚𝐭𝐢𝐯𝐞` is a must-read for any professional! It will guide you no matter what stage you are at in the implementation of the advancements in AI in your business.
The Fast Futre Blur: lnkd.in/ep5zZpec
#worldbookday
The chapter I`ve contributed on `𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐥𝐢𝐤𝐞 𝐚𝐧 𝐀𝐈-𝐧𝐚𝐭𝐢𝐯𝐞` is a must-read for any professional! It will guide you no matter what stage you are at in the implementation of the advancements in AI in your business.
The Fast Futre Blur: lnkd.in/ep5zZpec
#worldbookday
April 23, 2025 at 11:29 AM
🟣 Happy World Book Day!
The chapter I`ve contributed on `𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐥𝐢𝐤𝐞 𝐚𝐧 𝐀𝐈-𝐧𝐚𝐭𝐢𝐯𝐞` is a must-read for any professional! It will guide you no matter what stage you are at in the implementation of the advancements in AI in your business.
The Fast Futre Blur: lnkd.in/ep5zZpec
#worldbookday
The chapter I`ve contributed on `𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐥𝐢𝐤𝐞 𝐚𝐧 𝐀𝐈-𝐧𝐚𝐭𝐢𝐯𝐞` is a must-read for any professional! It will guide you no matter what stage you are at in the implementation of the advancements in AI in your business.
The Fast Futre Blur: lnkd.in/ep5zZpec
#worldbookday
#Bunq, a neobank for 'digital nomads,' accelerates U.S. expansion effort as profit jumps 65% www.cnbc.com/2025/04/15/d...
April 16, 2025 at 5:56 AM
#Bunq, a neobank for 'digital nomads,' accelerates U.S. expansion effort as profit jumps 65% www.cnbc.com/2025/04/15/d...
🔵 Join today at 6pm CET!
How Generative AI is Revolutionizing Risk Management in Banking-as-a-Service!
Discover 𝐡𝐨𝐰 𝐬𝐩𝐨𝐧𝐬𝐨𝐫 𝐛𝐚𝐧𝐤𝐬 𝐚𝐫𝐞 𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐢𝐧𝐠 𝐆𝐞𝐧𝐀𝐈 𝐭𝐨 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐫𝐢𝐬𝐤 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐞𝐬.
Register buff.ly/PoLUkw0
#GenAI #Baas #banking
How Generative AI is Revolutionizing Risk Management in Banking-as-a-Service!
Discover 𝐡𝐨𝐰 𝐬𝐩𝐨𝐧𝐬𝐨𝐫 𝐛𝐚𝐧𝐤𝐬 𝐚𝐫𝐞 𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐢𝐧𝐠 𝐆𝐞𝐧𝐀𝐈 𝐭𝐨 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐫𝐢𝐬𝐤 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐞𝐬.
Register buff.ly/PoLUkw0
#GenAI #Baas #banking
April 15, 2025 at 8:16 AM
🔵 Join today at 6pm CET!
How Generative AI is Revolutionizing Risk Management in Banking-as-a-Service!
Discover 𝐡𝐨𝐰 𝐬𝐩𝐨𝐧𝐬𝐨𝐫 𝐛𝐚𝐧𝐤𝐬 𝐚𝐫𝐞 𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐢𝐧𝐠 𝐆𝐞𝐧𝐀𝐈 𝐭𝐨 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐫𝐢𝐬𝐤 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐞𝐬.
Register buff.ly/PoLUkw0
#GenAI #Baas #banking
How Generative AI is Revolutionizing Risk Management in Banking-as-a-Service!
Discover 𝐡𝐨𝐰 𝐬𝐩𝐨𝐧𝐬𝐨𝐫 𝐛𝐚𝐧𝐤𝐬 𝐚𝐫𝐞 𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐢𝐧𝐠 𝐆𝐞𝐧𝐀𝐈 𝐭𝐨 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐫𝐢𝐬𝐤 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐚𝐧𝐝 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐞𝐬.
Register buff.ly/PoLUkw0
#GenAI #Baas #banking