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THE CLEWBAY BLOG

There is no such thing as first place in the race to better serve SMEs, but there is an untapped $5 trillion market to be shared

When it comes to Small and Medium Enterprises (SMEs), the statistics are truly staggering. According to the World Bank, SMEs account for the majority of businesses worldwide representing roughly 90% of businesses and more than 50% of employment. With the global workforce set to continue growing and the fact that…


The Clewbay Blog

Reducing the marginal cost of lending, how FinTech can revolutionize Supply Chain Finance

It could be argued that finance is as much to do with time as it is money — banks borrow short today and lend long for tomorrow. Your home purchase is desired today but likely cannot be afforded in its entirety until many tomorrows. …


the clewbay blog

How the reinvention of the traditional stack changes the financial services landscape

Whether or not to get a banking license is still a hotly debated topic, despite the fact that traditional banking arguably only works at scale — that is to take in lots of (cheap) deposits, add capital and lend far and wide in the hope of making a healthy profit…


the clewbay blog

For Challengers, MREL, BRRD and SRR could turn out to be anagrams of Trouble

This is the third part of our series on the Challenges of Challenging Banks in which we have argued that the “Fin” in FinTech…


The Clewbay Blog

A look at how financially savvy gen Z-ers could give traditional finance a much needed life line

News this past week about the anticipated Google checking and savings accounts, alongside the revamped Google Pay offering and Uber’s expanded partnership with Marqeta, got us thinking about the topic of embedded finance — a rabbit hole we’ve found ourselves down one too many times before.

Embedded finance is in…


the clewbay blog

One bank’s unique features today are another bank’s standard products tomorrow

In part one of this mini series on challenging banks (rewind via the above link) we looked at the unavoidable burdens…


The clewbay blog

In your enthusiasm for the Tech, don’t forget about the Fin

At first glance fintech neobanks look pretty similar to any other tech company: great app, great tech, no physical infrastructure, fast…

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