Fintech
SS&C Schedules Third-Quarter 2026 Earnings Release for October 22
SS&C Technologies Holdings, Inc. will announce financial results for the third quarter ended September 30, 2026 after the close of the market on Thursday, October 22, 2026, the company said in a scheduling notice dated October 6, 2026 and datelined…
T+1, T+0, and Atomic Settlement: Faster Is Not Always Safer
A first-principles guide to Settlement Speed, including its operating chain, economics, authoritative records, failure modes, and the evidence investors or operators should verify.
CGI to Modernize Over 70 Applications for French Agriculture Ministry
CGI announced on October 6, 2026 that it has been selected, following an open call for bids, by France’s Ministry of Agriculture, Agri-Food and Food Sovereignty to conduct a strategic program aimed at modernizing the ministry’s information system. The large-scale…
Agentic Payments: How AI Finds, Negotiates, and Pays
A first-principles guide to Agentic Payments, including its operating chain, economics, authoritative records, failure modes, and the evidence investors or operators should verify.
CBDCs May Be Changing How Companies Invest in Innovation
Central bank digital currencies are usually discussed as a payments story. The standard questions involve settlement speed, privacy, monetary policy, banking competition, and whether governments actually need a digital form of sovereign money. A new study published in the International…
Walapay Raises $4.6M Seed Round to Expand Cross-Border Payment Rails
Walapay has raised a $4.6 million seed round to expand the licenses, banking relationships, and local payment connections behind its fiat-and-stablecoin infrastructure.
Fintech May Lower Bank Risk Across Borders
Fintech (financial technology) companies are often seen as more modern and more innovative alternatives to traditional banks, insurance companies, and other financial institutions. But by creating new financial infrastructures, they also impact the overall structure of financial markets and banking…
Jonathan Schramm
Manifests Ireland Files 2 Million Annual Declarations on Descartes Platform
Descartes Systems Group announced on October 1, 2026, that customs brokerage Manifests Ireland has increased its annual customs declaration volumes from approximately 20,000 before Brexit in 2020 to 2 million. The Dublin-based company scaled its operations on the Descartes Thyme…
Digital Transformation Can Hurt Profits While Raising Valuations
Digital transformation is usually sold as a path toward greater efficiency, better decision-making, and eventually higher profits. The problem is that the financial benefits do not necessarily arrive when the bills do. A new study examining Chinese listed companies offers…
Happen Bank Tops $10 Billion in Personal Loans Sold via HAPS and LENDR
Happen Bank, the digital bank subsidiary of Happen, Inc. , announced on September 30, 2026 that it has crossed $10 billion in personal loans sold through its proprietary structured loan certificates programs, HAPS and LENDR. The bank, formerly known as…
The Investment Opportunity Behind Digital Banking
The traditional financial system was anchored around banks and their physical presence in local branches. This was where people and companies would go to open accounts, make deposits, withdraw and transfer money, apply for loans, open brokerage accounts, etc. As…
Jonathan Schramm
ICE Extends Evaluated Pricing to Unsecuritized Residential Whole Loans
Intercontinental Exchange announced the launch of Residential Whole Loan Evaluations on September 30, 2026, a service that extends the company’s established evaluated pricing process to individual, unsecuritized residential mortgage loans. The service provides model-driven pricing across qualified mortgage (QM) loans,…
Wells Fargo Shifts Entire Home Loan Servicing Book Onto ICE’s MSP
Intercontinental Exchange announced on September 29, 2026 that Wells Fargo has renewed its agreement to use MSP, ICE’s mortgage loan servicing system, and that under the expanded agreement the bank will bring its full home loan servicing portfolio onto the…
Why Stock Returns May Be Predictable Only in Brief Windows
Stock Returns May Be Predictable, but Only in Brief Windows Investors have spent decades searching for indicators that reliably predict stock returns. Valuation ratios, interest rates, credit spreads, inflation, market volatility, and measures of economic activity have all shown promise…
Clearing vs. Settlement: What Every Investor Should Know
A first-principles guide to Clearing and Settlement, including its operating chain, economics, authoritative records, failure modes, and the evidence investors or operators should verify.
