Saumya
Curious thinker, avid writer, and storyteller exploring the world of fintech. Sharing insights on digital banking, emerging financial technologies, investments, and the future of money.
| Platform |  | Pricing | Only free issues | Publishes | Twice weekly |
|---|---|---|---|---|---|
| Issues | 19 | Founded | 2 months ago | Last Issue | 6 days ago |
| Active | |||||
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saumya110817.substack.comLatest Issues
The Neo bank Illusion: Why 1.4 Billion Accounts Still Aren’t a Bank Killer
TL;DR
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Scale is real. Neo banks now power roughly 1.4 billion accounts worldwide and account for close to 40% of new banking relationships. This is no longer a niche experiment.
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Profit is not. Despite that growth, neo banks cap...
The Invisible Engine: How Payment Gateways Really Work and Why They Matter More Than You Think
TL;DR
A payment gateway is not your bank account. It’s the real-time infrastructure that encrypts, routes, and verifies every transaction between merchants, banks, and networks.
India processed 185.9 billion UPI transactions in FY25, a...
Forex: The $9.5 Trillion Market That Humbles Almost Everyone Who Enters It
TL;DR
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The forex market processes roughly $9.5 trillion per day, larger than equities, bonds, and crypto combined, yet most of that activity comes from hedging and global commerce, not speculation.
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Leverage is both the market’s...
SWIFT vs. Instant Payments: The $20 Trillion Question Reshaping Global Finance
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TL;DR
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SWIFT is not a money-moving network; it’s a messaging system that instructs banks how to move funds.
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Cross-border payments still rely on correspondent banking relationships, often taking days to settle...
The Invisible Card in Your Wallet Is Quietly Rewriting How Money Moves
TL;DR
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Virtual cards are programmable payment credentials, not digital copies of physical cards. They generate unique card numbers with built-in merchant locks, spending caps, and expiration dates.
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They’re already processing $2...
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| Subscribers | Engagement | 65 | Monthly Web Visits | ||
|---|---|---|---|---|---|
| Accepts Sponsors | Estimated Cost per Ad | ||||
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Authors
The writers behind this newsletter.
FinTech & Payments Expert | AI & Tech Innovation | iGaming Solutions | IBAN Accounts | Forex Trading | SWIFT & SEPA Infrastructure
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