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Behavioral Finance in Fintech: Ideas from Revolut, Momo E-Wallet, Eagle Alpha, and Other Pros Worldwide January 15, 2021 Armada Labs shares use cases of alternative finance applications that demonstrate broad opportunities presented by behavior-based analytics.

How Does America Invest now? Armada Labs Gives an Expert Answer January 4, 2021 Vanguard, one of the world's largest investment companies, has done in-depth research on the actual investor behavior in the U.S. And now, we are glad to share the key insights on how you can turn investments into success.

Alternative Lending in Canada: A One-size-fits-all for Businesses and Consumers December 28, 2020 Our journey around the world of alternative lending continues! Armada Labs makes another stop – this time, in Canada, one of the booming fintech clusters and the topic of our today's talk.

[Webinar] New Era of Digital Debt Collection December 21, 2020 How to benefit from being allowed to reach consumers by text, email, or on Facebook in 2021.

Alternative Lending in 2020 and Beyond: Trends and Predictions December 10, 2020 As always, Armada Labs keeps hand on the pulse and glad to share the latest insights with you! For today's article, we collected five important predictions about what alternative lending will look like in the near future.

Has the Pandemic Changed the Ways Generations Pay? We Study the Worldpay Report to Discover the Truth December 4, 2020 Worldpay, a world-known payment processing company and a strategic partner of Armada Labs, released research on how the pandemic influences peoples' payment preferences across the globe.

The Paydit Solution for Fast and Compliant Debt Settlement November 25, 2020 Armada Labs is glad to introduce you Paydit, a SaaS platform for regulations-first debt negotiation and settlement designed specifically for lenders and debt collectors.

Exciting Fintech Market Trends to Watch in 2021: What Progress Do We Have So Far and What to Expect? November 24, 2020 Last year, we predicted the most vivid trends for 2020. Now when 2020 comes to an end, it's time for another forecast. Have the events of the passing year altered the future of fintech the way we expected? What comes next? Armada Labs is here to answer these questions!

Banking you Haven't Experienced Before: Unexpected IoT Applications in Finance November 9, 2020 From mobile payments to insurance and daily on-site purchases, IoT changes finance in many ways, and today, you will see it yourself. Armada Labs presents a digest of what's been happening around these technologies lately, uncovering real-life use cases that impressed us so far.

Regulatory Intelligence: How Regtech Changes Compliance Amidst the Crisis October 29, 2020 Armada Labs breaks down compliance challenges conditioned by COVID-19 and solutions Regtech can bring to these post-pandemic.

Why China Brings Huge Investments in LatAm Fintech? Six Compelling Reasons October 20, 2020 Today, Armada Labs shares the reasons for China's growing interest in LatAm fintech to raise your awareness of that debated topic.

Amazon “Conquers” the SME Lending Market: Is There Still a Place for Banks and Small Players? October 14, 2020 Armada Labs reviews the renowned Amazon Lending program to define if Amazon is a dominant alternative lender by now. Can other lenders offer something to compete with it?

Moving from Traditional Loans to POS Lending: A Perspective for Banks and Alternative Lenders October 13, 2020 Armada Labs discusses how the lending sector will change in the future with point-of-sale systems, taking patterns from the statistics.

What do We Know about Fintech in Brazil? A Talk of Financial Law, Alternative Lending, and Open Banking September 18, 2020 What companies dominate in Brazil's alternative lending sector? What leverage (both regulatory and operational) does Open Banking give to fintechs over incumbents? Today, we present an overview of these disturbing issues.

Armada Labs to Hit the Top-three Ranking of Software Development Companies by DesignRush September 17, 2020 Never stop on the way to become ahead of the curve!

An Unlikely Ally? 6 Growth Lessons Banks Can Learn from Fintech Startups September 16, 2020 Today, Armada Labs shares the insights collected while researching the strategies of top fintech startups at their growth stage. What are the approaches they take? How could banks adopt those? See what we found.

Alternative Lending in Indonesia: A South East Tells its Story of Digital Revolution September 14, 2020 In the journey around thriving fintech clusters, Armada Labs makes a stop in Indonesia, a promising new “mecca” for digital finance, located in Southeastern Asia.

From Wet Signatures to 360-degree Digital: The Premises and Innovations of Loan Origination September 8, 2020 What is the current stance of loan origination? How did it evolve into the fully digital customer experience, and what was lending like thousands of years ago? Armada Labs wanders through the historical excerpts and dwells on the milestones in that evolution.

A Guide to Fraud in Lending: How Should Lenders Fight Back? August 24, 2020 For the past several years, fraud has been growing significantly among U.S. lending firms. In today's article, Armada Labs figures out the causes of that and effective solutions to subsequent problems.

DesignRush Acclaimed Armada Labs among the Top Five Fintech Software Development Companies August 14, 2020 Another achievement to go! DesignRush has added Armada Labs to the list of the top fintech software providers.

[Webinar] How to stay competitive in the post-pandemic era of lending? August 14, 2020 At the webinar on May 13 we discussed the place of fintechs in the modern lending sector along with risk management and damage control measures lenders should take in response to the COVID-19 outbreak.

The Evolution of Lending Regulatory Framework through Centuries (and a Look from the US Perspective) August 11, 2020 Armada Labs discovers the history of the lending regulatory environment's formation, focusing on the US, a trendsetting financial industry cluster.

Kenya's Alternative Lending from Borrowers' Perspective: High Demand Stands behind Tempting Supply August 3, 2020 Kenya exemplifies the prosperity of the African economic landscape, being one of the most developed countries in the Sub-Saharan region.

Belarus Hits Top Ten Rankings in the "Technology" and "Data Science" Domains of Coursera's Global Skills Index July 31, 2020 Coursera recognized Minsk, the capital of Belarus, and the place of residence of our R&D office, among the top ten technology and data science hubs in its Global Skills Index.

Top Reasons Why Your Business Needs a Fintech Talent: Armada Labs Shares its Experience July 27, 2020 Yes, the labor market is full of dignified specialists, but sourcing becomes tough and fierce when it comes to fintech. The number of truly good fintech specialists is limited, so you should literally compete with other companies to find the one that meets your requirements.

Are Banks Using Pandemic to Retake the Market from Fintechs? A Digest to What is Going in Banking on Right Now July 20, 2020 Do banks outrun fintechs in that long-term dispute between the two, and did the economic crisis become a blessing in disguise for banks? It's time to look at the situation unbiased and make meaningful forecasts.

The Ideas behind POS Lending in Examples, or Practical Cases to Gain Traction and Preserve Loyalty July 13, 2020 Armada Labs "extracts" practical examples from relevant business cases on how fintech providers can leverage POS lending services, to power up your insight and business strategy.

Damage Control for Wealth Managers at Times of COVID-19: Measures to Overcome the Crisis July 6, 2020 Armada Labs lists crucial actions wealth managers should take to cope with the current situation, covering the areas where crisis hits the most.

Fintech for Negotiating Debts: Five Options to Make Debt Collection Easier June 29, 2020 Armada Labs discusses decisive ways and means of debt recovery in fintech, covering debt collection tools and use cases.

Insurtech and Neo-banking Face off: How are they Different? June 16, 2020 Armada Labs compares neo-banking and insurtech in the business context to define the specifics of the latter and opportunities it opens.

Are Hybrid Loans A Perfect Companion for Digital Lending? June 16, 2020 Armada Labs describes hybrid loans, their peculiarities and use cases. From that, you can decide for yourself whether they are a good fit for digital lending.

From Banking 1.0 to Banking 4.0: How Financial Tools Have Been Changing Through the Decades June 9, 2020 Armada Labs reviews the evolution of banking through the years, from first mainframes and ATMs to online banking as we know it today. Based on the milestones in banking history and its current trends, we can predict what’s to come in the near future.

How to Mitigate the Economic Aftermath of COVID-19: Risk Management Measures for Fintechs June 9, 2020 In this article, Nick Varnitski, Founder & CEO at Armada Labs, addresses the alarming topic of enterprise risk management at times of the coronavirus pandemic, pointing out the most impactful risks, measures for their mitigation, and opportunities fintechs can leverage now.

The State of Fintech in LatAm: China, POS Lending, and COVID-19 May 29, 2020 Armada Labs explores the Latin American region from the point of fintech, singling out impactful tendencies that define the current situation with LatAm’s fintech and shape its future course.

Neobanking to Seal the Deal? Talking about Innovative Business Models in Banking May 26, 2020 Armada Labs discusses neobanks, their current state, business models, and challenges they face at the growth stage to give practical insights to fresh starters in fintech.

Payment Gateway Integrations: Which and How Many Do You Need? May 18, 2020 Armada Labs looks into the matter of payment gateway integrations, highlighting the pros and cons of each integration method, to help you choose the right one for your business.

Entering the Digital Finance Era: Opportunities for Marketplace Lending May 8, 2020 In the second part of the article about marketplace lending, Armada Labs uncovers the potential opportunities marketplace lending can bring to the financial sector.

Does Marketplace Lending Open New Horizons for Loan Origination? Describing the Potential Challenges May 4, 2020 In the first part of the article about marketplace lending, Armada Labs addresses the challenges that may stand in the way to adopting online lending, their causes, and solutions to them.

Minsk to Take the 147th Place in the Global Fintech Rating April 29, 2020 The Findexable analytics company acclaimed Minsk, the capital of Belarus, and the place of residence of our R&D office, among the top global fintech clusters.

Comprehensive Fintech Software Testing: a Necessity or Caprice? April 21, 2020 Armada Labs studies the peculiarities of QA in fintech, defining the aspects to test to ensure the stable performance and security of fintech software.

Cyber Attacks Spike Amid Coronavirus: Time to Improve the Security of your Cloud Infrastructure with Hybrid Cloud April 16, 2020 Armada Labs discusses the challenges and benefits of hybrid cloud platforms from the point of data security, along with hints on how to overcome potential challenges.

Fintech and the Developing World: How Technologies Help the Unbanked? April 7, 2020 In the article, Armada Labs explores three regions on the global map - South Africa, Southeastern Asia, and Asia-Pacific - to highlight common trends in fintech development for rural societies across those.

Fintech vs COVID-19 or How Innovations React to the Pandemic April 4, 2020 Armada Labs explores new fintech trends that appeared because of the coronavirus outbreak.

Cash Loves Japan: is it Going to be an Obstacle on the Path to the "Cashless" Society? March 27, 2020 In the article, Armada Labs explores the specifics of IT Lending, cashless transactions in Japan. The main purpose is to underline some of the individual (peculiar) features that contribute to the development of the Japanese IT lending sphere.

Armada Labs Update on COVID-19 March 18, 2020 In response to the COVID-19 (coronavirus) outbreak, we want to highlight that we will continue to do our job as usual and that you won’t even notice any impact on the level of service you receive.

Embarking on a New Fintech Journey: Armada Labs' Business Travel Agenda for 2020 March 13, 2020 The year 2020 promises to be full of fruitful events and itineraries for Armada Labs. Our team truly loves exploring various places to connect with fintech professionals from all over the world and expand our partnership network.

Moving from an Off-the-Shelf Loan Management System to a Custom Solution: When is your Company Ready? March 9, 2020 In this article, Armada Labs explores the pros and cons of off-the-shelf loan management systems to define what factors should prompt businesses to shift from off-the-shelf solutions to custom or even hybrid ones.

London Will Remain a Fintech Capital in Europe March 3, 2020 In the article, Armada Labs explores the issue of disengagement of the United Kingdom from the European Union. How is Brexit going to influence the UK’s fintech industry? What are the consequences for the EU?

Changing the Way You Lend: Hybrid Loan Automation Software Bringing Faster Time to Market February 24, 2020 Armada Labs explores how automated hybrid lending solutions improve the traditional lending process so you can decide for yourself whether it is time to choose these.

New Era of Digital Lending? Hybrid Blockchain Applications in Fintech Ensuring Faster Time to Market February 17, 2020 Armada Labs looks into blockchain's features and breaks down the promising use cases with hybrid blockchain applications in the finance sector. You will see how those bring credit scoring and digital lending to a whole new level.

Saving Lives with Funding Guaranteed: Applicable Fintech Use Cases in Healthcare February 10, 2020 In this article, Armada Labs dissects fintech applications in healthcare to show how financial technologies disrupt the industry already with the potential to bring even more innovations over time.

Armada Labs to Become a Hydrogen Certified Implementation Partner February 5, 2020 Hydrogen and Armada Labs have concluded a partnership agreement to deliver new, best-in-class fintech solutions to the financial and other sectors.

How Can Hybrid Cloud Solutions Accelerate Time to Market? Our Experience with AWS Hybrid Cloud February 4, 2020 In this new article, Armada Labs, an Amazon AWS trusted partner for more than a decade, shares its deep and insightful expertise in the development of AWS-based hybrid cloud applications, telling about the factors that contribute to an increased time to market.

Fintech in Florida: Fact or Fiction? A Business Talk with Armada Labs' Managing Partner January 30, 2020 In this article, Ralph Ayala, Chairman and Managing Partner at Armada Labs, tells about the digital finance climate in Florida, his place of residence, highlighting the main trends of fintech development in the region, so we can see whether the industry is booming there.

Breaking Down Business and Personal Loans: What Are the Differences? January 15, 2020 In this article, we compare loan options in business and personal funding to help small businesses choose the right one for their operation.

Five Trends to Lay the Fintech Foundation in 2020 December 23, 2019 In this article, we walk across the main trends shaping the future of fintech landscape in 2020, making predictions based on the current situation in the industry.

Fintech Startups around the Corner: Should Incumbents Fight of Flight? December 17, 2019 In this article, we explore the case of fintech startups versus incumbent financial institutions to determine what threats come from newcomers and how incumbents can react to these threats.

Escape from "Feeling the Pinch": 10 Issues that Fintech Startups Need to Consider at the Growth Stage December 10, 2019 In this article, we'll walk you through ten crucial issues fintech startups need to take notice throughout their operation, sharing practical advice on how to avoid unnecessary complications and enter the market successfully.

Armada Labs was Recognized as a Leader in Three Categories by Clutch December 6, 2019 Clutch.co has identified our team as a leader in three categories: Top Software Developers in Belarus, Top Cloud Computing Consultants in Belarus, and Top IT Outsourcing Companies in Belarus.

Fintech from a Different Perspective: Groundbreaking Applications in Automotive, IoT, Agriculture, and RPA November 27, 2019 In this article, we review novel fintech applications across previously unattainable industries — Automotive, IoT, Agriculture, and RPA — revealing current and future fintech trends in those.

Building a New Future or a Construction Time and Again? What’s Going on in the Fintech Space Right Now November 18, 2019 In this article, we look back at the year’s events, dwelling on the ones that define the current situation on the fintech market, with trends setting the direction of its future development.

PSD2 Came into Force: Behold the Villain? Threats and Opportunities of Open Banking for Fintech November 11, 2019 In this article, Armada Labs analyzes the situation on the fintech market conditioned by PSD2 regulations to define how fintechs can make the most of it and overcome potential challenges.

When Business Meets Amazon Chatbots: How to Go Down the Road of Sea Changes? October 30, 2019 Today, Armada Labs covers the topic of Amazon chatbot implementation in business; what are the business cases and applications? When it’s the right time to put a chatbot into use in operations? How to do it most efficiently? Read further to get answers.

PCI Data Security Standard: What Lessons Global Fintechs Teach Us, and Are We Following? October 21, 2019 In this article, Armada Labs breaks down the topic of the PCI Data Security Standard, its applications in the fintech sector, to reveal why it is essential to comply with this Standard.

Amazon AWS vs Microsoft Azure: a Zero-sum Game? October 9, 2019 In this article, Armada Labs compares the Amazon AWS and Microsoft Azure cloud solutions by business-related criteria to define what makes one better than the other and why.

The Evolution of Fintech on Wall Street: a Way through Booms, Downfalls, and Innovations October 2, 2019 In this article, Armada Labs breaks down the history of fintech development on Wall Street, highlighting the key events that influenced the modern fintech landscape and exploring the exact effects of these events.

West Following East: does Facebook Walk the Path of WeChat with Libra Coin, Instagram, WhatsApp, and Other Tools? September 11, 2019 In this article, we bring to the light the issue of Facebook’s resemblance to WeChat by highlighting similar points in their business strategies along with the differences.

Armada Labs to participate in LendIt Fintech Europe 2019 August 21, 2019 Armada Labs representatives Nick Varnitski, CEO, Eugene Pratasenia, Co-founder, and Ralph Ayala, Managing partner at Armada Labs are going to join hundreds of Fintech professionals at LendIt Fintech Europe 2019 in London September 26–27.

Evolution of Payment Possibilities: Part Two August 20, 2019 In this article, we look at the modern payment methods including online banking, credit and debit card, charge card or e-wallet.

Evolution of Payment Possibilities: Part One August 12, 2019 In this article, we go back in times when two people were bound by the so-called one-directional transactions to legacy cross-border remittance pipelines powered by payments magnates like Visa and Mastercard to e-payments disruptors like Stripe and Square.

London’s Calling for yet Another Immigrant Fintech July 30, 2019 In the advert of our trip to London, Armada Labs found out how many local Fintechs are founded by expats, what was their story and how they impact the UK economy as a whole.

A Brief History of Credit Scoring July 10, 2019 Armada Labs recaps the milestones of credit scoring development, explaining what "ultimate" FICO means and how technology innovation impact the way modern companies underwrite a loan today.

Digital Transformation and Fintech Development in the MENA Region June 11, 2019 In this article, we step into the endless discussion about similarities and differences between the Middle East and the rest of the world, only today digital transformation is on the table. For you to better understand the Middle Eastern stance on FinTechs and innovation, we share a few quick facts we've learned doing business in this region.

Everything You Want to Know About Machine Learning in Fintech May 28, 2019 Armada Labs explains why black-box underwriting models are free of biases and how Fintechs are using large amounts of financial data to build resilient risk models, improve their predictive capabilities with self-learning algorithms.

5 Traps Fintechs Tend to Fall When Transferring to Cloud & Ways to Get Through Them May 14, 2019 In this article, Armada Labs reveals top 5 challenges Fintech companies are likely to face when transitioning from their on-premise systems to modern cloud solutions.

Fintech: A Conceptual Way of Doing Business April 30, 2019 From disruptive threats to enabling partners, Fintech has entered a new phase of its evolution. In this article, we discuss how incumbents, startups, investors adapt to the maturing ecosystem shifting their focus from defense to perception.

Robotics Process Automation vs Human Experience in Fintech April 23, 2019 In this article, Armada Labs delves into history lessons and up-to-date statistics to find out whether technology-driven Fintech is leaving space for non-technical people of age and what should be done to secure fair job distribution for all industry participants.

5 Red Flags of Startup Development in Fintech April 16, 2019 In this article, Armada Labs took on a survey to detect the main reasons for Fintech startups' failure.

Health.Finance Builds Your Health Plan of Tomorrow from Scratch April 9, 2019 Demystifying hospital prices with machine learning and cloud technology, Health.Finance is your health plan of tomorrow.

Heading to Asia: What Fintechs Should Consider Entering Southeast Asia Markets March 11, 2019 Growing urbanization and economic growth of counties like Singapore, Hong Kong, Taiwan, China, and Malaysia aroused genuine curiosity all around the fintech community. Armada Labs examines the topic giving some clues to companies that consider entering Southeast Asia markets anytime soon.

Armada Labs Partners with Worldpay at Lendit Fintech Europe 2018 November 19, 2018 Armada Labs announced today at LendIt Fintech Europe, Europe's leading event in financial services innovation, that it has forged yet another partnership.