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March 7, 2019
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TomoCredit is a fintech startup based in San Francisco. We issue the smartest consumer credit card which does not require a credit score for approval.
whitePaper | November 1, 2022
Financial services firms face more and greater digital risks than at any time in their history. The global threat environment is constantly evolving, with new technologies, adversaries, and criminal techniques emerging weekly – and in response more and more regulations are being introduced.
whitePaper | April 14, 2022
Digital transformation in the financial space has been a hot topic in emerging markets like South Africa, Nigeria & Ghana for some time now, especially among incumbents who are threatened by radical digital-first banking entities like neobanks and challenger banks. A global study by Insider Intelligence1 estimated that in 2021, there were 29.8 million digital-only account holders, and this number is expected to cross 53.7 million by 2025, owing to the remarkable mobile penetration and ICT infrastructure development2 witnessed in marginalized regions like Africa in recent years.
whitePaper | March 10, 2020
FinTech Futures has launched its latest report on cloud transformation in the financial services industry. As we enter a decade of innovation and change, financial institutions are facing a myriad of challenges in the form of shifting customer expectations, emerging technologies and alternative business models. Perhaps its best solution is to look to a form of technology that was making disruptive waves in the sector more than a decade ago: cloud computing.
whitePaper | July 31, 2022
The Defactor whitepaper is a summary and is a living document. Please check back for the most recent changes. This whitepaper and its execution may change. Execution of the application vision is subject to change. Defactor nor the involved companies make any guarantee or warranty regarding its functioning or its fitness for any purpose. Defactor and the involved companies, including their officers, employees and advisors, shall not be liable for any losses and damages regardless of their origin connected to this whitepaper or to Defactor. Any person that wishes to engage with the Defactor platform does so at their own risk.
whitePaper | September 29, 2022
While it may seem like common sense alone would influence end users to adopt the superior FSC tools that you are rolling out, we see many clients underestimate end user resistance.
whitePaper | January 7, 2020
Dramatic advances in mobile phone technology and networks present banks the opportunity to make their services more accessible. Customers can now use their mobile devices to quickly apply for new accounts and credit lines, access their account information, and perform purchases and transactions, all without ever visiting a branch or ATM.
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