Sam Boboev

Malta

Blogger at Freelance

Fintech Product Manager at Fintech Wrap Up

I am a fintech product manager and write about fintech, payments, and banking on https://t.co/CkBM2ObHFD

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Articles

What are the Implications of Pay by Bank on Different Players?; eCommerce: Payment Metrics and Tactics; Primary(P) and secondary(S) policy objectives driving Open Banking and Open Finance;

1 week ago | fintechwrapup.com | Sam Boboev

1️⃣Deep Dive: Robinhood’s Full-Stack Fintech Transformation2️⃣Primary(P) and secondary(S) policy objectives driving Open Banking and Open Finance implementation3️⃣Core Banking Modernisation: Selecting the Right Strategy4️⃣eCommerce: Payment Metrics and Tactics5️⃣Top 10 merchant acquirers processed $10.6 trillion in 20246️⃣What are the Implications of Pay by Bank on Different Players? 7️⃣Global Crypto Regulatory Trends for 20251.
Deep Dive: Robinhood’s Full-Stack Fintech Transformation

1 week ago | fintechwrapup.com | Sam Boboev

On March 27, 2025, Robinhood made waves again. At its second annual Gold Keynote, the company unveiled three major products—Robinhood Strategies, Robinhood Banking, and Robinhood Cortex—all designed to bring private banking and professional-grade investing tools to everyday users. Robinhood Strategies offers personalized, expert-managed portfolios right inside the app—think of it as wealth management without the Wall Street minimums.
Reports: Europe Diving Into Crypto; Modern Card Issuer: Driving Customer Lifetime Value Through Innovation; Understanding digital identity (eID);

2 weeks ago | fintechwrapup.com | Sam Boboev

1️⃣ Europe Diving Into Crypto2️⃣ How banks can boost productivity through simplification at scale3️⃣ Modern Card Issuer: Driving Customer Lifetime Value Through Innovation4️⃣ Stablecoin Deep Dive: Supply & Usage by Asset (2025)5️⃣ Understanding digital identity (eID)Hey Fintech Fans — I’m trying something new this week! Welcome to the very first Reports edition of Fintech Wrap Up, where I round up the most interesting fintech, banking, and payments reports.
Embedded Lending: Architectural Foundations for a Robust Model; A Brief History of Pay Later and Credit Innovation; Can US Banks Protect Their Card-Issuing Business?;

2 weeks ago | fintechwrapup.com | Sam Boboev

1️⃣ Deep Dive: Stripe’s payments APIs - The first 10 years2️⃣ Embedded Lending: Architectural Foundations for a Robust Model3️⃣ A Brief History of Pay Later and Credit Innovation4️⃣ Drivers of Open Banking in Africa5️⃣ Can US Banks Protect Their Card-Issuing Business? 6️⃣ Fintech is showing early signs of a potential comeback7️⃣ Which Areas of AI Are Payments Companies Focusing On?
Deep Dive: Stripe’s payments APIs - The first 10 years

2 weeks ago | fintechwrapup.com | Sam Boboev

Hey folks! In this Deep Dive, I took a walk through Stripe’s last decade of payments API evolution based on Stripe’s explanation on their blog—and wow, what a journey it’s been. Remember the legendary “seven lines of code”? That tiny snippet became a symbol for just how easy Stripe made payments look back in 2011. But as the company grew, so did the complexity of its API.
Three go-to-market approaches for banks to play in the Embedded Finance space; API Banking Ecosystem; Alipay & Revolut are redefining the future of finance;

3 weeks ago | fintechwrapup.com | Sam Boboev

1️⃣ Three go-to-market approaches for banks to play in the Embedded Finance space 2️⃣ AI Agents - Identity’s Blind Spot: Non-Human Identities 3️⃣ These Are The Fintech IPOs That Could Follow Klarna’s Debut 4️⃣ AI-Powered Fraud Prevention and Security Solutions in Fintech 5️⃣ Robinhood vs SoFi – Q4 2024 Face-Off 6️⃣ API Banking Ecosystem 7️⃣ Alipay & Revolut are redefining the future of finance 8️⃣ Stablecoins – The future of money 9️⃣ PayPal Surpasses $30B in Global Small Business Lending To...
Deep Dive: Network Tokenization for Merchants

3 weeks ago | fintechwrapup.com | Sam Boboev

In this edition of Fintech Wrap Up, I took a deep dive into network tokenization—what it is, why it matters, and how it’s changing the game for merchants. If you’re in payments, this is one of those topics that’s quietly reshaping how we think about security, customer experience, and cost optimization.
Deep Dive: Visa’s Product Ecosystem and Strategy

3 weeks ago | finextra.com | Sam Boboev

TL;DR:Hi there, and welcome to this edition of Fintech Wrap Up! Let’s dive into some exciting updates from the payments world. This week, the spotlight is on Visa, one of the leading names in digital payments. Since its inception in 1958, Visa has been a pioneer in facilitating seamless transactions globally.
Deep Dive: Visa Direct

4 weeks ago | finextra.com | Sam Boboev

TL;DR: In this Deep Dive edition of Fintech Wrap Up, I take a closer look at Visa Direct, a versatile push payment solution that leverages Visa’s global payment network. We dive into how it enables real-time transactions across multiple use cases, from person-to-person money transfers to business payouts. I break down the core components like the Funds Transfer API, Mobile Push Payment API, and the innovative Watch List Screening API.
Payment authentication for cards (could be debit or credit); The Infrastructure Inversion: How Stablecoins Are Silently Rebuilding Global Finance; The past, present and future of payment innovation;

1 month ago | fintechwrapup.com | Sam Boboev

1️⃣ Deep Dive: Visa - Beyond the Card2️⃣ Growth in Newer Digital Payment Options Shapes Southeast Asia’s Payments Landscape3️⃣ Payment authentication for cards (could be debit or credit)4️⃣ The Infrastructure Inversion: How Stablecoins Are Silently Rebuilding Global Finance5️⃣ Visa taps into global payment opportunities with Visa Direct6️⃣ The past, present and future of payment innovation7️⃣ How do different types of DLT shape security, access, and scalability in a decentralized world?

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Sam Boboev @samboboev

22 Apr 25

🚨 CRYPTO: Global crypto exchange OKX pushes into U.S. market with trading and wallet offering The company launched its trading platform in 46 states and Washington, D.C. OKX also announced the appointment of a new U.S. CEO: Barclays and PwC alumnus Roshan Robert. The crypto https://t.co/I97vl2K3d2

Sam Boboev @samboboev

21 Apr 25

🚨 CRYPTO: Stablecoin Giant @circle Is Launching a New Payments and Remittance Network Circle, the firm behind the $60 billion USDC stablecoin, is launching a new payments and cross border remittance network on Tuesday — the company’s “next product move” — from its plush New https://t.co/jZeZgrpdDr

Sam Boboev @samboboev

21 Apr 25

🚨 FINTECH: Toku Raises $48 Million Series A to Expand Accounts Receivable SaaS Across Latin America Toku, an account receivable SaaS platform, announced today that it has raised $48 million in Series A funding, bringing its total funding to $55 million. With this fundraise, https://t.co/i19fvzTB0N

Sam Boboev

Articles

What are the Implications of Pay by Bank on Different Players?; eCommerce: Payment Metrics and Tactics; Primary(P) and secondary(S) policy objectives driving Open Banking and Open Finance;

Deep Dive: Robinhood’s Full-Stack Fintech Transformation

Reports: Europe Diving Into Crypto; Modern Card Issuer: Driving Customer Lifetime Value Through Innovation; Understanding digital identity (eID);

Embedded Lending: Architectural Foundations for a Robust Model; A Brief History of Pay Later and Credit Innovation; Can US Banks Protect Their Card-Issuing Business?;

Deep Dive: Stripe’s payments APIs - The first 10 years

Three go-to-market approaches for banks to play in the Embedded Finance space; API Banking Ecosystem; Alipay & Revolut are redefining the future of finance;

Deep Dive: Network Tokenization for Merchants

Deep Dive: Visa’s Product Ecosystem and Strategy

Deep Dive: Visa Direct

Payment authentication for cards (could be debit or credit); The Infrastructure Inversion: How Stablecoins Are Silently Rebuilding Global Finance; The past, present and future of payment innovation;

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