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World Congress 2023 • Aug 11, 2023

Fintech Rebellion: How Developers Are Disrupting the Future of Commerce

Arik Shtilman

The future of commerce belongs to developers, not banks. Unified APIs now allow engineering teams to bypass complex regulations and deploy global financial ecosystems in just weeks.

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#1 about 2 min

The ongoing shift toward developer-driven digital commerce

The transition from traditional technologies to software-centric platforms reveals the true size of the addressable digital market.

#2 about 4 min

Navigating early failures in consumer mobile payment products

Attempting to build a global digital wallet without a financial background reveals severe regulatory and banking bottlenecks.

#3 about 3 min

Pivoting from consumer apps to financial infrastructure services

Transforming a failed consumer product into a fintech API drastically reduces the time required for global market expansion.

#4 about 2 min

Embedding financial services to increase customer platform engagement

Integrating payment and savings features creates new revenue streams and deeply connects users to a brand platform.

#5 about 3 min

Fintech as the fourth major platform of the internet

Financial technology forms an invisible layer powering complex money movements across gaming applications and digital marketplaces.

#6 about 3 min

Simplifying complex marketplace transactions with financial application interfaces

Modern APIs abstract away the heavy lifting of virtual accounts, refunds, and multi-party payouts in digital platforms.

#7 about 4 min

Adapting digital checkouts for global alternative payment methods

Supporting regional payment preferences like digital wallets and localized bank transfers prevents massive customer drop-offs in non-Western markets.

#8 about 2 min

Abstracting regulatory compliance and fraud prevention behind interfaces

Fintech platforms hide complex legal checks, sanction screening, and PCI compliance requirements behind straightforward developer-friendly API endpoints.

#9 about 3 min

Capitalizing on closed ecosystems and massive super applications

Major technology platforms generate substantial revenue by retaining user funds within extensive internal financial routing systems.

#10 about 3 min

Replacing advertising revenue models with embedded financial transactions

As ad-driven models falter, integrating financial services provides platforms a reliable path to profitability and substantial margin expansion.

#11 about 3 min

Challenging legacy financial systems and global institutional networks

Emerging payment technologies will slowly dismantle traditional banking networks despite high institutional barriers and absolute trust requirements.

#12 about 2 min

Evaluating open banking capabilities and government payment interfaces

State-sponsored payment APIs and open banking frameworks offer streamlined account access in progressive international digital markets.

#13 about 3 min

Convincing financial leaders to adopt modern payment orchestration

Engineering teams can drive legacy finance departments to embrace rapid payment infrastructure by demonstrating superior modern integration methodologies.

Matching moments

5:19 min

Building a developer-centric infrastructure for financial services

David Singleton David Singleton +1 · WWC 2023

2:49 min

Powering global commerce for the next generation of AI

David Singleton David Singleton +1 · WWC 2023

3:49 min

Evolving payment architecture from legacy to cloud stacks

Ben Hartard · LIVE

5:00 min

Evolving engineering culture across global product teams

David Singleton David Singleton +1 · WWC 2023

1:50 min

Improving fintech operations and cross-border settlement speeds

Alessandro Cappellato Ferrari Alessandro Cappellato Ferrari · WWC 2024

5:49 min

Understanding the shift toward decentralized peer-to-peer financial systems

Monty Munford · LIVE

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