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Maysam Rizvi

Maysam Rizvi CEO at Elifinty

How Fintech is Helping Consumers with Rising Rates and Financial Challenges

In recent years, there has been a continual rise in base rates, which began in December 2021 and is expected to continue into 2024. At first glance, these increases appear as calculated policy decisions designed to slow down demand for goods by increasing the cost of borrowing whilst incentivising people to save. However, in the real world, these...

/payments /inclusion Banking Regulations

Maysam Rizvi

Maysam Rizvi CEO at Elifinty

The dark side of fintech: BNPL’s negative impact on financial well being

The fintech industry has played a big part in delivering more financial services to the masses, but when it comes to innovation and having a positive impact on consumers - not all is created equal. Buy Now Pay Later (BNPL) is a case in point. This alternative source of payment method, which enables consumers to break up purchases into manageable i...

/startups /inclusion BNPL

Maysam Rizvi

Maysam Rizvi CEO at Elifinty

Why the FCA’s Consumer Duty Regulations Will Create a New Opportunity for Fintech

The FCA’s new consumer duty regulations, coming into force on the 27th of July, require firms to deliver good outcomes for retail customers. Financial Institutions are concerned about the new regulations, often requiring them to overhaul many processes left untouched for decades on end. Herein lies the golden opportunity for nimble fintechs; by bu...

/risk /startups Financial Inclusion

Maysam Rizvi

Maysam Rizvi CEO at Elifinty

Cost of Living Crisis - Three Ways that Fintech Can Help

Households throughout the UK are struggling with the cost of living; from soaring food and energy costs to higher interest rates, communities throughout the country are tightening their budgets. Consumers are entering problem debt to make ends meet, spurred on by easy-to-access online lending. But not all is lost - the fintech industry is enabling...

/sustainable /inclusion Open Banking