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401(k) Plan
A tax-advantaged retirement savings plan offered by many employers in the U.S., where employees can ...
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5G in Fintech
The impact of 5G technology on financial services, enabling faster data transmission, real-time paym...
5G Technology
The fifth-generation technology standard for broadband cellular networks, offering faster data speed...
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Account Aggregation
A process that allows users to view all their financial accounts in a single interface, typically th...
ACH Payments
Automated Clearing House payments, a network for processing electronic payments and money transfers ...
Acorns
A micro-investing app that rounds up users' purchases and invests the spare change into diversified ...
Active Management
An investment strategy where a portfolio manager makes specific investments with the goal of outperf...
Addepar
A wealth management platform that provides data aggregation and portfolio analysis for financial adv...
Adjustable-Rate Mortgage (ARM)
A mortgage loan with an interest rate that can change periodically, based on an index that reflects ...
Advanced Encryption Standard (AES)
A symmetric encryption algorithm used worldwide to secure sensitive data.
Adyen
A Dutch payment company that provides a single platform for accepting payments globally across onlin...
Affirm
A fintech company that offers installment loans to consumers at the point of sale, focusing on trans...
AI in Customer Service
The use of artificial intelligence to automate and enhance customer service interactions, including ...
AI Risk Assessment
The use of AI to evaluate and predict the likelihood of risks in underwriting insurance policies.
AI-Based Credit Assessment
Using artificial intelligence to evaluate a person’s creditworthiness, analyzing large sets of dat...
AI-Based Fraud Prevention
The application of artificial intelligence to detect and prevent fraudulent transactions and activit...
AI-Driven Chatbots
Automated chat systems powered by artificial intelligence, used to interact with customers and provi...
AI-Driven Credit Assessment
The use of artificial intelligence to analyze vast amounts of data and assess an individual's or bus...
AI-Powered Chatbots
Automated customer service tools that use artificial intelligence to simulate human conversation and...
Airwallex
A global fintech company offering cross-border payments and financial services for businesses.
Algorithmic Trading
The use of AI algorithms to automate trading decisions at high speed and frequency.
Alipay
A mobile payment platform owned by Ant Group, widely used in China for online and in-store payments....
Alpha
A measure of the active return on an investment, gauging the performance of an investment against a ...
Altcoin
Any cryptocurrency other than Bitcoin, including Ethereum, Litecoin, and Ripple.
Alternative Credit Scoring
Using non-traditional data, such as social media activity or utility payments, to assess a borrower...
Alternative Investment Fund Managers Directive (AIFMD)
An EU directive that regulates managers of alternative investment funds, such as hedge funds and pri...
Amazon Pay
A digital payment processing service offered by Amazon, allowing customers to pay with their Amazon ...
AML (Anti-Money Laundering)
Laws and regulations designed to prevent money laundering and other illegal activities.
Angel Investor
An individual who provides capital to startups or small businesses in exchange for equity or convert...
Annual Percentage Rate (APR)
The yearly interest rate charged on borrowed money, including fees, expressed as a percentage.
Ant Group
A Chinese fintech giant, known for its mobile payment platform Alipay, and other digital financial s...
Anti-Money Laundering (AML)
Laws and regulations designed to prevent money laundering and other illegal activities by monitoring...
API (Application Programming Interface)
A set of protocols and tools for building software applications, allowing different systems to commu...
API Gateway
A tool that sits between a client and a collection of backend services, acting as a reverse proxy to...
Apple Pay
A mobile payment and digital wallet service by Apple that allows users to make payments using iOS de...
Application Programming Interface (API)
A set of rules that allows different software applications to communicate with each other.
Application Security
The process of making applications more secure by finding, fixing, and enhancing the security of app...
Arbitrage
The practice of taking advantage of price differences between markets by simultaneously buying low i...
Artificial Intelligence (AI)
The simulation of human intelligence in machines that are programmed to think and learn.
Artificial Intelligence in Fintech
The use of AI technologies like machine learning, natural language processing, and robotic process a...
Artificial Neural Networks (ANN)
Computing systems inspired by biological neural networks, used in AI and machine learning for patter...
Asset Bubble
A situation where the price of an asset far exceeds its intrinsic value, often driven by speculative...
Augmented Reality (AR) in Finance
The use of AR technology to enhance financial services, such as visualizing investment portfolios or...
Authentication
The process of verifying the identity of a user or process.
Authorization
The process of determining if a user has permission to perform a particular action in a system.
Authorize.Net
A payment gateway service provider allowing merchants to accept credit card and electronic check pay...
Auto Loan
A loan taken out to purchase a vehicle, typically secured by the vehicle itself.
Auto-Savings
A feature in financial apps that automatically transfers a portion of a user’s income or change fr...
Automated Savings Plan
A feature that automatically transfers a set amount of money from a checking account to a savings or...
Automated Testing
The use of special software to control the execution of tests and compare the actual outcomes with p...
Automated Underwriting
The use of AI to automate the process of evaluating insurance applications.
Avaloq
A fintech company offering core banking software and digital solutions for wealth management and fin...
Avant
A lending platform offering personal loans to borrowers with less-than-perfect credit, using AI and ...
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Bakkt
A digital asset platform that offers cryptocurrency trading, payment processing, and storage solutio...
Balance of Payments (BoP)
A statement that summarizes a country’s transactions with the rest of the world, including trade, ...
Bandwidth
The maximum rate of data transfer across a given path in a network.
Bank for International Settlements (BIS)
An international financial institution that fosters international monetary and financial cooperation...
Bank Holding Company Act
A U.S. law that regulates the actions of bank holding companies, including their acquisitions and in...
Bank Recovery and Resolution Directive (BRRD)
An EU directive that provides authorities with comprehensive powers to deal with failing banks at na...
Bank Secrecy Act (BSA)
A U.S. law requiring financial institutions to assist government agencies in detecting and preventin...
Barriers to Entry
Obstacles that make it difficult for new competitors to enter an industry or market.
Basel II
An international banking regulation that established risk and capital management requirements to ens...
Basel III
An international regulatory framework developed by the Basel Committee on Banking Supervision to str...
Bear Market
A market condition in which asset prices are falling or are expected to fall, often associated with ...
Behavior-Driven Development (BDD)
A software development process that encourages collaboration among developers, QA, and non-technical...
Behavioral Finance
The study of how psychological factors influence financial decision-making, often used to design bet...
Beneficiary
A person who is entitled to receive benefits or assets from a will, trust, insurance policy, or othe...
Beta
A measure of the volatility, or systematic risk, of a security or portfolio in comparison to the mar...
Betterment
A robo-advisor providing automated, goal-based investment management.
Bid-Ask Spread
The difference between the highest price that a buyer is willing to pay for an asset and the lowest ...
Big Data
Extremely large datasets that can be analyzed computationally to reveal patterns, trends, and associ...
Bill Payment Service
A feature provided by banks or financial apps that allows consumers to pay bills electronically.
Bill.com
A cloud-based software company providing automated accounts payable and accounts receivable services...
Binance
One of the largest cryptocurrency exchanges globally, offering trading in a wide variety of digital ...
Biometric Authentication
A security process that uses an individual's unique biological characteristics, such as fingerprints...
Biometric Payments
Payments authenticated using biometric data, such as fingerprints or facial recognition.
Biometric Security
The use of biological traits, such as fingerprints or facial recognition, for secure access to devic...
Bitcoin (BTC)
The first decentralized cryptocurrency, created in 2009 by an anonymous person or group known as Sat...
Bitcoin Cash (BCH)
A fork of Bitcoin created in 2017 to increase transaction speed and lower fees.
BitPay
A Bitcoin payment service provider enabling merchants to accept cryptocurrency payments.
Bitstamp
A European-based cryptocurrency exchange offering trading in various digital currencies.
Blend
A fintech company providing software to streamline the mortgage and loan application process.
Blockchain
A distributed ledger technology that records transactions across many computers so that the record c...
Blockchain in Energy Trading
The use of blockchain technology to facilitate peer-to-peer energy trading, enabling individuals and...
Blockchain in Healthcare Finance
The application of blockchain technology to improve the transparency and security of financial trans...
Blockchain in Insurance
The application of blockchain technology to streamline processes like claims management and fraud de...
Blockchain in Intellectual Property
The use of blockchain technology to protect and manage intellectual property rights, including paten...
Blockchain in Real Estate Finance
The application of blockchain technology to streamline real estate transactions, including property ...
Blockchain in Supply Chain Finance
The use of blockchain technology to improve transparency, efficiency, and security in supply chain f...
Blockchain in Voting Systems
The use of blockchain technology to create secure, transparent, and tamper-proof voting systems, oft...
Blockchain Interoperability
The ability of different blockchain networks to communicate and share data with one another seamless...
Blockchain Node
A device on a blockchain network that stores, verifies, and broadcasts transactions across the netwo...
Blockchain Oracles
Third-party services that provide smart contracts with external data, allowing them to access inform...
Blockchain-Based Lending
The use of blockchain technology to facilitate loans, often involving smart contracts and decentrali...
Brand Equity
The value of a brand based on the recognition, perception, and customer loyalty it generates.
Brex
A fintech company offering corporate credit cards and cash management accounts designed for startups...
Budgeting App
A software application that helps users create and maintain a personal or household budget by tracki...
Bull Market
A market condition characterized by rising asset prices, typically associated with investor confiden...
Business Continuity Planning (BCP)
A process that prepares an organization to maintain essential functions during and after a disaster....
Business Cycle
The cyclical fluctuations in economic activity that an economy experiences over a period of time, co...
Business Intelligence (BI)
Technologies and strategies used by enterprises to analyze business information data to support busi...
Buy Now, Pay Later (BNPL)
A payment option that allows consumers to make purchases and pay for them in installments over time,...
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Call Option
A financial contract that gives the buyer the right to purchase an asset at a specified price within...
Capital Asset Pricing Model (CAPM)
A model that describes the relationship between systematic risk and expected return for assets, part...
Capital Gains Tax
A tax on the profit made from selling an asset, such as stocks or real estate.
Capital Requirements Directive (CRD IV)
An EU legislative package covering the general rules for the prudential supervision of banks, invest...
Cardano (ADA)
A proof-of-stake blockchain platform designed for smart contracts and founded by Charles Hoskinson.
Cash Back
A benefit offered by credit cards where a percentage of the amount spent is returned to the cardhold...
Celo
A blockchain platform that focuses on making financial tools accessible to anyone with a mobile phon...
Central Bank
A national bank that provides financial and banking services for its country's government and commer...
Central Bank Digital Currency (CBDC)
A digital form of a country’s fiat currency issued by its central bank, aimed at enhancing payment...
Chainalysis
A blockchain analysis company providing data and analysis to government agencies, exchanges, and fin...
Challenger Banks
Newer banks that compete with traditional banks by offering innovative digital services, often with ...
Chatbot
An AI-powered software application that simulates human conversation to assist users, commonly used ...
Checking Account
A bank account that allows easy access to funds for daily transactions, typically through checks, de...
Chime
An American financial technology company providing fee-free mobile banking services.
Circle
A fintech company that provides internet-based payments and cryptocurrency financial services.
Claims Automation
The use of AI to automate the insurance claims process, from filing to payout.
Cloud Computing
The use of remote servers hosted on the internet to store, manage, and process data, rather than on ...
Coinbase
A leading cryptocurrency exchange platform that allows users to buy, sell, and store digital currenc...
Coincheck
A Japanese cryptocurrency exchange that allows users to trade in a range of digital currencies.
Collateral
An asset that a borrower offers to a lender to secure a loan, which the lender can seize if the loan...
Common Reporting Standard (CRS)
An information-gathering and reporting requirement for financial institutions developed by the OECD ...
Compliance Automation
The use of software to automate compliance processes, reducing the risk of human error.
Consensus Algorithm
Mechanisms used in blockchain systems to achieve agreement on a single data value across the network...
Consensus Mechanism
A protocol used in blockchain to achieve agreement on a single data value across distributed process...
Consumer Confidence Index (CCI)
A measure of the degree of optimism that consumers feel about the overall state of the economy and t...
Consumer Financial Protection Bureau (CFPB)
A U.S. government agency responsible for consumer protection in the financial sector.
Contactless Biometrics
Biometric authentication methods that do not require physical contact, such as iris scanning or faci...
Contactless Payments
Payments made by tapping a payment card or mobile device near a point-of-sale terminal equipped with...
Containerization
A form of virtualization where applications run in isolated user spaces called containers, all using...
Content Delivery Network (CDN)
A network of servers that delivers web content and pages to users based on their geographic location...
Continuous Deployment (CD)
The practice of automatically deploying every change that passes the CI phase into production, leadi...
Continuous Integration (CI)
A software development practice where code changes are automatically tested and integrated into a sh...
Contrarian Investing
An investment strategy that involves buying and selling in contrast to the prevailing market sentime...
Cosigner
A person who agrees to repay a loan if the primary borrower defaults, typically to help the borrower...
Country-by-Country Reporting (CbCR)
A transparency initiative requiring multinational enterprises to report their income, taxes, and eco...
Credible
A marketplace for comparing student loans, personal loans, and mortgage refinancing offers.
Credit Builder Loan
A type of loan designed to help people build or improve their credit score, with the funds held in a...
Credit Card
A card issued by a financial company that allows cardholders to borrow funds to pay for goods and se...
Credit Limit
The maximum amount of credit that a financial institution extends to a cardholder.
Credit Monitoring
A service that tracks an individual’s credit history and alerts them to changes or potential fraud...
Credit Report
A detailed report of an individual's credit history, used by lenders to determine creditworthiness.
Credit Risk Modeling
The use of statistical models to predict the likelihood that a borrower will default on a loan.
Credit Score
A numerical expression based on a level analysis of a person's credit files, representing the credit...
Credit Scoring AI
AI systems that analyze vast amounts of data to assess credit risk more accurately than traditional ...
Cross-Border Payments
Financial transactions that occur between parties in different countries, increasingly facilitated b...
Crowdfunding
Raising small amounts of money from a large number of people, typically via the internet, to fund a ...
Crowdfunding Platforms
Online platforms that enable individuals and businesses to raise small amounts of money from a large...
Crowdsourced Credit Scoring
Credit scoring systems that aggregate data from multiple sources, including peers, to assess creditw...
Crowdsourced Insurance
Insurance models where groups of people pool their premiums to cover claims, often facilitated by di...
Crowdsourced Market Predictions
Platforms that aggregate predictions from large groups of people to forecast market trends or outcom...
Crypto Derivatives
Financial instruments that derive their value from underlying cryptocurrency assets, including futur...
Crypto Lending and Borrowing
The practice of using cryptocurrency assets as collateral to borrow funds or lending them to earn in...
Crypto Staking
The process of holding cryptocurrency in a wallet to support the operations of a blockchain network,...
Cryptocurrency
A digital or virtual currency that uses cryptography for security and operates independently of a ce...
Cryptocurrency Wallet
A device, physical medium, program, or service that stores the public and/or private keys for crypto...
Cryptographic Hash Function
A function that converts input data into a fixed-size string of characters, which is typically a dig...
Currency Peg
A policy in which a country’s currency is tied to another currency, often the U.S. dollar, to stab...
Customer Due Diligence (CDD)
The process of assessing the risk associated with a customer based on their profile and activities.
Cybersecurity
The practice of protecting systems, networks, and programs from digital attacks.
Cybersecurity in Fintech
Advanced security measures designed to protect financial data and systems from cyber threats, includ...
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Dark Pool
A private financial forum or exchange for trading securities, typically used by institutional invest...
Data Analytics
The process of examining datasets to draw conclusions about the information they contain.
Data Encryption Standard (DES)
An older symmetric-key algorithm for the encryption of digital data, which has largely been replaced...
Data Governance
The management of the availability, usability, integrity, and security of the data employed in an or...
Data Lake
A centralized repository that allows you to store all your structured and unstructured data at any s...
Data Mining
The process of discovering patterns and relationships in large datasets to extract valuable informat...
Data Privacy
Ensuring that personal and sensitive information is protected from unauthorized access or disclosure...
Data Privacy Regulations
Emerging laws and guidelines focused on protecting consumer data, such as GDPR in Europe or CCPA in ...
Data Warehouse
A system used for reporting and data analysis, serving as a central repository of integrated data fr...
Data-Driven Lending
Lending decisions based on big data analytics, leveraging alternative data sources to assess borrowe...
Debit Card
A card that deducts money directly from a consumer's checking account to pay for a purchase.
Debt Consolidation
The process of combining multiple debts into a single loan with a lower interest rate or more favora...
Debt-to-Income Ratio (DTI)
A measure of an individual's monthly debt payments compared to their monthly gross income, used by l...
Decentralized Application (DApp)
An application that runs on a decentralized network, such as a blockchain, rather than being hosted ...
Decentralized Autonomous Organization (DAO)
An organization governed by smart contracts and run by community members, with decisions made collec...
Decentralized Exchanges (DEXs)
Peer-to-peer cryptocurrency exchanges that operate without a central authority, allowing users to tr...
Decentralized Finance (DeFi)
Financial services built on blockchain technology that operate without intermediaries.
Decentralized Lending Platforms
Blockchain-based platforms that facilitate peer-to-peer lending without intermediaries, using smart ...
Decentralized Network
A network structure that distributes computing resources and services across many locations, without...
Deep Learning
A subset of machine learning that uses neural networks with many layers (deep neural networks) to an...
DeFi Insurance
Decentralized insurance products offered on blockchain platforms, often providing coverage for risks...
Deflation
The decrease in the general price level of goods and services, often associated with reduced consume...
Depression
A severe and prolonged downturn in economic activity, often characterized by significant declines in...
Derivative
A financial instrument whose value is derived from the value of an underlying asset, such as a stock...
DevOps
A set of practices that combines software development (Dev) and IT operations (Ops) to shorten the s...
Digital Asset Custody
Secure storage solutions for digital assets like cryptocurrencies, often provided by specialized cus...
Digital Banking
The management of financial services through electronic devices, such as computers, smartphones, or ...
Digital Currencies for Cross-Border Trade
The use of digital currencies, including stablecoins and CBDCs, to facilitate international trade by...
Digital Currency
Money or currency that is only available in digital form, often issued and managed by central banks....
Digital Estate Planning
Online tools and platforms for managing and planning the distribution of an individual’s estate af...
Digital Health Wallets
Wallets that store and manage health-related data and payments, often integrating insurance, medical...
Digital Identity
The online or networked identity adopted or claimed in cyberspace by an individual, organization, or...
Digital Identity Verification
The use of digital tools, such as biometrics or blockchain, to verify and authenticate a person’s ...
Digital Ledger
A computerized ledger that records and stores transactions digitally, often in a blockchain context....
Digital Mortgage
The process of obtaining a mortgage online, often with the use of AI to streamline the application a...
Digital Onboarding
The process of using digital tools to verify the identity of new customers and enable them to access...
Digital Remittances
The transfer of money by a foreign worker to an individual in their home country through digital pla...
Digital Trade Finance
The application of digital technologies, such as blockchain, to streamline and secure trade finance ...
Digital Twin
A virtual model of a process, product, or service used to simulate real-world behavior and test scen...
Digital Underwriting
The use of data analytics and AI to assess and price insurance risk.
Digital Wallet
A software-based system that securely stores users' payment information and passwords for numerous p...
Digital Wealth Management
The use of digital tools and platforms to manage and grow wealth, including investments and savings....
Digital-First Financial Products
Financial products that are designed primarily for use on digital platforms, often with features tai...
Digital-Only Bonds
Bonds that are issued, traded, and settled exclusively through digital platforms, often leveraging b...
Digital-Only Wealth Management
Wealth management services that are provided exclusively through digital channels, often with AI-dri...
Direct Deposit
The electronic transfer of a payment directly from the payer's account to the recipient's account.
Directive on Administrative Cooperation (DAC6)
An EU directive requiring the disclosure of cross-border tax planning arrangements.
Directive on Alternative Dispute Resolution (ADR Directive)
An EU directive that ensures consumers have access to dispute resolution mechanisms for contractual ...
Directive on Capital Requirements for Credit Institutions (CRD Directive)
An EU directive that sets out the rules for the capital requirements of credit institutions and inve...
Directive on Credit Agreements for Consumers (Consumer Credit Directive)
An EU directive that provides harmonized rules on the provision of credit to consumers to ensure a h...
Directive on Cross-Border Mergers of Limited Liability Companies (CBM Directive)
An EU directive that provides a framework for cross-border mergers of limited liability companies wi...
Directive on Deposit Guarantee Schemes (DGSD)
An EU directive that ensures depositors in EU banks are protected in case of bank failure, with a gu...
Directive on Electronic Money (EMD)
An EU directive that sets out rules for issuing electronic money and providing e-money services with...
Directive on Non-Financial Reporting (NFRD)
An EU directive that requires large companies to disclose certain information on the way they operat...
Directive on Payment Account Switching (PAS Directive)
An EU directive that facilitates the switching of payment accounts within the EU, making it easier f...
Directive on Payment Accounts (PAD)
An EU directive that ensures the transparency and comparability of fees related to payment accounts ...
Directive on Payment Services (PSD1)
The first EU directive that laid the foundation for a single market in retail payment services.
Directive on Payment Systems (PSD Directive)
The original EU directive that established the legal foundation for the creation of a single market ...
Directive on Security of Network and Information Systems (NIS Directive)
An EU directive that sets out measures to boost the overall level of cybersecurity in the EU.
Directive on Statutory Audit (Audit Directive)
An EU directive that strengthens the quality and independence of statutory audits of public-interest...
Directive on Tax Dispute Resolution Mechanisms (DRM Directive)
An EU directive aimed at providing more effective dispute resolution mechanisms for resolving tax di...
Directive on the Distance Marketing of Consumer Financial Services (DMFSD)
An EU directive that provides rules on the marketing of financial services to consumers at a distanc...
Directive on the Exercise of Shareholders’ Rights (SRD II)
An EU directive that strengthens the rights of shareholders in listed companies and promotes long-te...
Directive on the Prevention of the Use of the Financial System for the Purposes of Money Laundering or Terrorist Financing (AML Directive)
An EU directive aimed at preventing the use of the financial system for money laundering and terrori...
Directive on the Prudential Supervision of Investment Firms (IFD Directive)
An EU directive that sets out prudential requirements for investment firms to ensure they are adequa...
Directive on the Reuse of Public Sector Information (PSI Directive)
An EU directive that promotes the use of open data by requiring public sector bodies to make their i...
Directive on the Supervision of Supplementary Pension Schemes (IORP Directive)
An EU directive that sets out the rules for the supervision of institutions offering occupational re...
Directive on Transparency Requirements (Transparency Directive)
An EU directive that harmonizes transparency requirements concerning information about issuers whose...
Directive on Undertakings for Collective Investment in Transferable Securities (UCITS Directive)
An EU directive that allows collective investment schemes to operate freely throughout the EU based ...
Disaster Recovery
A set of policies and procedures to enable the recovery or continuation of vital technology infrastr...
Distributed Denial of Service (DDoS)
An attack that aims to make a machine or network resource unavailable by overwhelming it with a floo...
Distributed Ledger Technology (DLT)
A digital system for recording transactions where the transaction details are recorded in multiple p...
Dividend Yield
A financial ratio that shows how much a company pays out in dividends each year relative to its stoc...
Divvy
A financial technology company that provides expense management software and smart corporate credit ...
Docker
A platform that uses OS-level virtualization to deliver software in packages called containers.
Dodd-Frank Act
A U.S. federal law that aims to reduce risks in the financial system, primarily through the regulati...
Dogecoin (DOGE)
A cryptocurrency that started as a joke but gained popularity due to its community and widespread ad...
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E-Wallet
A digital application that allows users to store and transfer funds electronically.
Econometric Model
A statistical model used to describe economic relationships, often used for forecasting economic var...
Economies of Scale
Cost advantages that a business obtains due to expansion, leading to a reduction in average costs wi...
Economies of Scope
Cost advantages that a business obtains by offering a variety of products, leading to lower average ...
Edge Computing
Computing that occurs at the edge of a network, close to the data source, reducing latency and bandw...
Efficient Frontier
A set of optimal portfolios that offer the highest expected return for a defined level of risk.
eIDAS
The European regulation on electronic identification and trust services for electronic transactions ...
eIDAS Regulation
An EU regulation on electronic identification and trust services for electronic transactions within ...
Embedded Finance
The integration of financial services into non-financial platforms and apps, allowing consumers to a...
Embedded Insurance
Insurance products that are offered as part of another purchase, such as travel insurance when buyin...
Embedded Investment Services
Investment services integrated into non-financial platforms, allowing users to invest directly withi...
Emergency Fund
A reserve of money set aside to cover unexpected expenses or financial emergencies.
EMIR (European Market Infrastructure Regulation)
An EU regulation that improves transparency and reduces the risks associated with the over-the-count...
Encryption
The process of converting information or data into a code, especially to prevent unauthorized access...
Envestnet
A provider of integrated portfolio, practice management, and reporting solutions to financial adviso...
Environmental, Social, and Governance (ESG) Investing
An investment approach that incorporates environmental, social, and governance criteria into investm...
Estate Planning
The process of arranging for the management and disposal of a person's estate during their life and ...
Ethereum (ETH)
A decentralized platform that runs smart contracts, introduced in 2015 by Vitalik Buterin.
Ethical Investing
Investment strategies that focus on companies and assets that meet certain ethical criteria, such as...
European Banking Authority (EBA)
An EU agency that works to ensure effective and consistent regulation and supervision across the Eur...
European Systemic Risk Board (ESRB)
An EU body responsible for the macroprudential oversight of the financial system within the EU to pr...
Event-Driven Architecture
A software architecture pattern promoting the production, detection, consumption of, and reaction to...
Exchange Rate
The price of one country’s currency in terms of another country’s currency.
Exchange-Traded Fund (ETF)
A type of investment fund that holds a basket of assets and is traded on stock exchanges, similar to...
Exit Strategy
A plan for an investor to liquidate their position in a company, typically through an IPO, acquisiti...
Expense Tracker
A tool that helps individuals track their spending habits by categorizing and recording purchases.
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Fair Credit Reporting Act (FCRA)
A U.S. federal law that regulates the collection, dissemination, and use of consumer credit informat...
Federal Deposit Insurance Corporation (FDIC)
A U.S. government agency that insures deposits in banks and thrift institutions, promoting public co...
Federated Identity Management
A system that allows multiple enterprises to share digital identities based on trust and agreements....
FICO Score
A type of credit score created by the Fair Isaac Corporation, widely used to determine an individual...
Fidor Bank
A German online bank known for integrating fintech solutions and offering an open banking platform.
Fifth Anti-Money Laundering Directive (5AMLD)
An EU directive that enhances transparency and oversight of financial transactions to prevent money ...
Fifth Capital Requirements Directive (CRD V)
The latest iteration of the EU’s Capital Requirements Directive, strengthening the prudential regu...
Figure Technologies
A fintech company offering home equity lines of credit (HELOC) and other financial products using bl...
Financial Action Task Force (FATF)
An intergovernmental organization that develops policies to combat money laundering and terrorist fi...
Financial Conduct Authority (FCA)
The UK regulatory body responsible for overseeing the financial services industry, including retail ...
Financial Goal Setting
The process of establishing personal financial objectives, such as saving for a down payment or payi...
Financial Inclusion
The availability and equality of opportunities to access financial services, particularly for underb...
Financial Inclusion Technologies
Innovations aimed at providing access to financial services for underserved populations, particularl...
Financial Industry Regulatory Authority (FINRA)
A U.S. self-regulatory organization that oversees brokerage firms and exchange markets.
Financial Literacy
The ability to understand and effectively use various financial skills, including personal financial...
Financial Ombudsman Service (FOS)
A UK organization that settles disputes between consumers and businesses providing financial service...
Financial Services Compensation Scheme (FSCS)
The UK’s statutory compensation scheme that protects consumers when financial services firms fail....
Financial Stability Board (FSB)
An international body that monitors and makes recommendations about the global financial system.
Financial Stability Oversight Council (FSOC)
A U.S. government body established by the Dodd-Frank Act to identify risks to the financial stabilit...
Finastra
A global financial software company providing technology for retail banking, transaction banking, le...
FinCEN (Financial Crimes Enforcement Network)
A bureau of the U.S. Department of the Treasury that collects and analyzes information about financi...
Fintech-as-a-Service (FaaS)
Platforms that allow businesses to integrate various financial services into their operations using ...
Firewall
A network security device that monitors and controls incoming and outgoing network traffic based on ...
First Data
A global payment technology solutions company, now part of Fiserv, providing merchant acquiring and ...
FIS (Fidelity National Information Services)
A global leader in financial services technology, offering a range of banking and payments solutions...
Fiscal Policy
Government policies regarding taxation and spending, which influence economic activity.
Fiserv
A global provider of financial services technology solutions, including electronic payments processi...
Fixed Interest Rate
An interest rate that remains constant for the entire term of a loan or investment.
Fixed-Rate Mortgage
A mortgage loan with a fixed interest rate for the entire term of the loan.
Flexible Spending Account (FSA)
A pre-tax savings account in the U.S. that can be used for eligible medical, dental, or dependent ca...
Foreign Account Tax Compliance Act (FATCA)
A U.S. law requiring foreign financial institutions to report information on U.S. account holders to...
Foreign Bank Account Report (FBAR)
A U.S. reporting requirement for U.S. persons who have a financial interest in or signature authorit...
Foreign Corrupt Practices Act (FCPA)
A U.S. law that prohibits U.S. firms and individuals from paying bribes to foreign officials for the...
Foreign Exchange Market (Forex)
A global decentralized market for trading currencies, determining exchange rates.
Fork
A split in a blockchain, leading to two separate versions, often resulting from disagreements within...
Forward Contract
A non-standardized contract between two parties to buy or sell an asset at a specified future date f...
Fractional Ownership
The ability to purchase a fraction of an asset, such as a share of real estate or a portion of a hig...
Fractional Real Estate Investment
The ability to invest in a portion of a real estate property through digital platforms, often facili...
Fraud Detection
The use of AI and ML algorithms to detect fraudulent activities by analyzing transaction patterns.
Fundbox
A fintech company that provides small businesses with access to credit and financial management tool...
Funding Circle
A peer-to-peer lending marketplace that allows investors to lend money directly to small and medium-...
Futures Contract
A standardized legal agreement to buy or sell an asset at a predetermined price at a specified time ...
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Gamification in Finance
The application of game-design elements in financial services to engage customers and encourage bett...
Gemini
A cryptocurrency exchange and custodian that allows customers to buy, sell, and store digital assets...
General Anti-Avoidance Rule (GAAR)
A principle that allows tax authorities to disallow tax benefits from transactions that do not have ...
General Data Protection Regulation (GDPR)
A regulation in EU law on data protection and privacy for all individuals within the European Union ...
General Insurance Standards (GIS)
Regulations that govern the conduct and operation of general insurance companies, including policy u...
Global Legal Entity Identifier (LEI)
A unique identification code used globally to identify distinct legal entities participating in fina...
Google Pay
A digital wallet platform and online payment system developed by Google to enable payments through A...
Gramm-Leach-Bliley Act (GLBA)
A U.S. law that requires financial institutions to explain how they share and protect their customer...
GraphQL
A data query language developed by Facebook as an alternative to REST, allowing clients to specify e...
Green Bonds
Bonds issued to fund projects with positive environmental benefits, such as renewable energy or cons...
Green Finance
Financial services that support environmentally sustainable projects, such as renewable energy and c...
GreenSky
A financial technology company providing point-of-sale financing through its lending platform.
Gross Domestic Product (GDP)
The total monetary or market value of all finished goods and services produced within a country’s ...
Gross Income
The total amount of money earned before any deductions or taxes are taken out.
Gross National Product (GNP)
The total value of all goods and services produced by a country’s residents, regardless of the loc...
Growth Investing
An investment strategy that involves buying securities of companies expected to grow at an above-ave...
Guidelines on Internal Governance (GL 44)
Guidelines issued by the European Banking Authority (EBA) on the internal governance arrangements, p...
Guidelines on the Security of Internet Payments (EBA Guidelines)
Guidelines issued by the European Banking Authority (EBA) to enhance the security of internet paymen...
Gusto
A payroll and benefits management platform for small and medium-sized businesses.
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Hard Credit Check
A credit inquiry that can affect an individual's credit score, typically used when a lender is makin...
Health Savings Account (HSA)
A tax-advantaged savings account in the U.S. used to pay for qualified medical expenses, often assoc...
Hedge
An investment made to reduce the risk of adverse price movements in an asset, typically by taking an...
Hedge Fund
A private investment fund that uses various strategies, including leverage and derivatives, to gener...
High Availability (HA)
A system design approach and associated service implementation that ensures a certain level of opera...
High-Frequency Trading (HFT)
A form of algorithmic trading characterized by high speeds, high turnover rates, and high order-to-t...
Home Equity Line of Credit (HELOC)
A revolving credit line backed by the equity in a home, allowing homeowners to borrow against their ...
Hurdle Rate
The minimum rate of return on an investment required by an investor or manager.
Hybrid Cloud
A cloud computing environment that combines a private cloud with a public cloud, allowing data and a...
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Identity and Access Management (IAM)
A framework of policies and technologies for ensuring that the right individuals access the right re...
Identity Theft Protection
Services and tools designed to protect personal information from being stolen and used fraudulently....
Identity Verification
The process of ensuring that a person is who they claim to be, often through document verification, ...
Immutable Ledger
A ledger that cannot be altered once data is recorded in it, ensuring that historical transactions a...
Impact Bonds
A form of investment that provides funding for projects with positive social or environmental outcom...
Impact Investing
Investments made with the intention of generating positive, measurable social and environmental impa...
Income Tax
A tax imposed by the government on individuals or entities based on their income.
Index Fund
A type of mutual fund or ETF that aims to replicate the performance of a specific index, such as the...
Individual Retirement Account (IRA)
A tax-advantaged investment account in the U.S. that helps individuals save for retirement.
Inflation
The rate at which the general level of prices for goods and services is rising, eroding purchasing p...
Infrastructure as a Service (IaaS)
A cloud computing model that provides virtualized computing resources over the internet.
Inheritance Tax
A tax imposed on individuals who inherit property or money from a deceased person.
Initial Public Offering (IPO)
The process by which a private company offers shares to the public for the first time.
Installment Loan
A loan repaid over time with a set number of scheduled payments.
Insurance-as-a-Service (IaaS)
A model where insurance products are offered as modular, on-demand services that can be integrated i...
InsurTech
The use of technology to innovate and improve the insurance industry, from policy management to clai...
InsurTech Startups
New companies leveraging technology to innovate within the insurance industry, such as Lemonade or R...
Integrated Development Environment (IDE)
A software suite that combines the basic tools required to write and test software.
Intellectual Property (IP)
Legal rights that grant the creator of an original work exclusive rights to its use and distribution...
Interest Rate
The amount charged by a lender to a borrower for the use of assets, expressed as a percentage of the...
Interest-Only Loan
A loan where the borrower only pays the interest on the principal balance for a set period, with the...
Intergovernmental Agreement (IGA)
Agreements between the U.S. and other countries to implement FATCA by simplifying reporting requirem...
Internal Rate of Return (IRR)
The discount rate that makes the net present value (NPV) of all cash flows from a particular project...
International Association of Insurance Supervisors (IAIS)
A global standard-setting body that promotes effective and globally consistent regulation of the ins...
International Financial Reporting Standards (IFRS)
A set of accounting standards developed by the International Accounting Standards Board (IASB) to br...
Internet of Things (IoT)
The network of physical objects (devices, vehicles, buildings) embedded with sensors, software, and ...
Internet of Things (IoT) in Finance
The use of IoT devices to gather and analyze data for financial services, such as usage-based insura...
Intrusion Detection System (IDS)
A device or software application that monitors a network for malicious activities or policy violatio...
Intrusion Prevention System (IPS)
A network security/threat prevention technology that examines network traffic flows to detect and pr...
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Jack Henry & Associates
JavaScript Object Notation (JSON)
A lightweight data-interchange format that is easy for humans to read and write, and easy for machin...
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Kabbage
A financial technology and data company that offers automated funding for small businesses.
Klarna
A Swedish fintech company providing Buy Now, Pay Later (BNPL) services and other payment solutions f...
Know Your Customer (KYC)
A process used by financial institutions to verify the identity of their clients to prevent illegal ...
Kraken
A U.S.-based cryptocurrency exchange known for its robust security features and extensive range of d...
Kubernetes
An open-source system for automating the deployment, scaling, and management of containerized applic...
KYC (Know Your Customer)
A process used by financial institutions to verify the identity of their clients.
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LendingClub
An online marketplace connecting borrowers with investors for personal loans.
Lendio
An online marketplace that connects small business owners with lenders offering business loans.
Leverage
The use of borrowed funds to increase the potential return of an investment, often increasing the ri...
Liquidity
The ease with which an asset can be converted into cash without affecting its market price.
Litecoin (LTC)
A peer-to-peer cryptocurrency created by Charlie Lee in 2011, known for its faster transaction confi...
Load Balancing
The process of distributing network or application traffic across multiple servers to ensure no sing...
Loan Origination Software
Software used by lenders to manage the loan application, approval, and disbursement process.
Loan Term
The length of time over which a loan is repaid, typically expressed in months or years.
Loyalty Card
A card issued by a retailer or service provider that rewards customers with discounts or points for ...
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M-Pesa
A mobile phone-based money transfer, financing, and microfinancing service in Kenya and Tanzania, op...
Machine Learning (ML)
A subset of AI that involves the development of algorithms that allow computers to learn and make de...
Machine Learning in Fraud Prevention
The application of machine learning algorithms to detect patterns of fraudulent behavior and prevent...
Mambu
A SaaS banking platform that provides core banking systems for fintech startups, telcos, and banks.
Margin Trading
The practice of buying or selling securities with borrowed money, typically provided by a broker, to...
Market Abuse Regulation (MAR)
An EU regulation that strengthens the framework to combat market abuse, including insider trading an...
Market Anomaly
A price pattern or trend that appears to contradict the Efficient Market Hypothesis.
Market Capitalization
The total market value of a company's outstanding shares of stock, calculated by multiplying the cur...
Market Correction
A decline of 10% or more in the price of an asset or market index from its most recent peak.
Market Depth
The market's ability to absorb large orders without significant changes in price, indicating liquidi...
Market Efficiency
The extent to which market prices reflect all available, relevant information, often associated with...
Market Failure
A situation where the allocation of goods and services by a free market is not efficient, often just...
Market Maker
A firm or individual that provides liquidity to the market by being ready to buy or sell an asset at...
Market Microstructure
The study of the processes and outcomes of exchanging assets under specific trading rules, including...
Market Sentiment
The overall attitude of investors toward a particular market or asset, often measured by factors lik...
Market Share
The percentage of an industry's sales that a particular company controls.
Markets in Financial Instruments Directive (MiFID II)
An EU regulation that enhances investor protection and increases transparency across financial marke...
Marqeta
A fintech company that provides a modern card issuing platform, enabling businesses to create and ma...
Mergers and Acquisitions (M&A)
Metaverse
A collective virtual shared space, often incorporating virtual reality, augmented reality, and digit...
Micro-Investing
The practice of investing small amounts of money, often facilitated by apps that round up purchases ...
Micro-Investing Apps
Digital platforms that allow users to invest small amounts of money, often rounding up everyday purc...
Micro-Lending
The provision of small loans to individuals or small businesses that typically lack access to tradit...
Microlending
Providing small loans to individuals who do not have access to traditional financial services, often...
Microsavings
The practice of saving small amounts of money regularly, often facilitated by digital platforms that...
Microservices Architecture
A software development technique that structures an application as a collection of loosely coupled s...
MiFID
The original Markets in Financial Instruments Directive, an EU regulation designed to increase compe...
Mining
The process of using computational power to validate transactions and add them to the blockchain.
Mobile Banking
The ability to conduct financial transactions via a mobile device, such as a smartphone or tablet.
Mobile Payment
The use of a mobile device to make a financial transaction, typically through an app or NFC technolo...
Modern Portfolio Theory (MPT)
A theory that describes how investors can construct portfolios to maximize expected return based on ...
Momentum Investing
An investment strategy that involves buying securities that have had high returns over a short perio...
Monetary Policy
The process by which a central bank manages a country's money supply and interest rates to achieve e...
MoneyGram
A global money transfer service provider that allows users to send money to individuals in over 200 ...
Monopolistic Competition
A market structure where many companies sell products that are similar but not identical, leading to...
Monopoly
A market structure where a single firm controls the entire market for a particular good or service, ...
Monzo
A UK-based neobank offering personal banking services through a mobile app.
Mortgage Refinance
A process where a homeowner pays off an existing mortgage and replaces it with a new one, often with...
Multi-Factor Authentication (MFA)
A security system that requires more than one method of authentication to verify the user’s identi...
Multi-Signature Wallet
A digital wallet that requires more than one key to authorize a cryptocurrency transaction.
Mutual Fund
An investment vehicle that pools money from multiple investors to purchase a diversified portfolio o...
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N26
A German neobank providing mobile banking services with a focus on simplicity and transparency.
Natural Language Processing (NLP)
A branch of AI that helps computers understand, interpret, and respond to human language.
nCino
A cloud banking platform that improves the speed and efficiency of financial institutions' operation...
Neobank
A type of digital bank that operates exclusively online without traditional physical branch networks...
Net Income
The amount of money a person earns after all deductions, including taxes, are taken out.
Net Present Value (NPV)
The value of an investment’s expected cash flows, discounted back to their present value at a spec...
Neteller
A global online payments company offering services like money transfers and digital wallets.
Network Latency
The delay before a transfer of data begins following an instruction for its transfer.
NFC (Near Field Communication)
A technology that allows devices to communicate wirelessly over short distances, often used in conta...
Node
A computer connected to a blockchain network that stores and validates data.
Non-Fungible Token (NFT)
A unique digital asset representing ownership of a specific item, such as art, music, or collectible...
NoSQL Database
A database that provides a mechanism for storage and retrieval of data that is modeled differently f...
Nucleus Software
A provider of lending and transaction banking products to financial institutions globally.
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OAuth
An open standard for access delegation commonly used as a way to grant websites or applications limi...
OECD Guidelines for Multinational Enterprises
Recommendations by the OECD to multinational enterprises on responsible business conduct, including ...
Office of Foreign Assets Control (OFAC)
A U.S. Department of the Treasury office that administers and enforces economic and trade sanctions ...
Oligopoly
A market structure where a few large firms dominate the market, often leading to collaboration on pr...
On-Demand Insurance
Flexible insurance policies that can be turned on or off based on the user’s needs, typically thro...
Onfido
A fintech company specializing in digital identity verification using AI and machine learning.
Open Banking
A system that provides third-party financial service providers open access to consumer banking, tran...
Open Finance
An extension of open banking that allows third-party providers to access a wider range of financial ...
Open Source Software
Software that is released with a license that allows anyone to view, modify, and distribute the code...
Options Contract
A financial derivative that gives the buyer the right, but not the obligation, to buy or sell an ass...
Over-the-Counter (OTC) Market
A decentralized market where trading occurs directly between two parties without a central exchange ...
Overdraft Protection
A banking service that prevents checks, ATM withdrawals, and debit card purchases from being decline...
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Passive Management
An investment strategy that aims to replicate the performance of a specific index or benchmark rathe...
Paxos
A fintech company that offers blockchain-based settlement solutions and stablecoins like Paxos Stand...
Pay-as-You-Go Insurance
Insurance products that allow customers to pay premiums based on actual usage rather than fixed term...
Payday Loan
A short-term, high-interest loan, typically due on the borrower’s next payday.
Payment App
An application that allows users to send or receive money, make payments, or manage finances via a m...
Payment Gateway
A service that authorizes credit card or direct payments for e-commerce and traditional brick-and-mo...
Payment Services Directive 2 (PSD2)
An EU directive aimed at making electronic payments safer, boosting innovation, and helping banking ...
Payoneer
A financial services company that provides online money transfers and digital payment services.
PayPal
A global leader in digital payments, providing online money transfers and payment processing service...
Payroll Deduction
An automatic deduction of a portion of an employee's wages, used for savings, retirement, or other f...
Peer-to-Peer (P2P) Payments
A method of transferring funds directly from one person’s bank account to another’s, often throu...
Peer-to-Peer Insurance
A model where a group of individuals pools their premiums to insure each other, often facilitated by...
Peer-to-Peer Lending (P2P Lending)
A method of debt financing that allows individuals to borrow and lend money directly from each other...
Peer-to-Peer Payments (P2P)
Direct money transfers between individuals, usually facilitated by digital payment platforms like Pa...
Pension Plan
A retirement plan that provides a fixed sum of money upon retirement, typically based on salary and ...
Perfect Competition
A market structure characterized by many firms selling identical products, with no single firm able ...
Personal Finance Management (PFM)
Tools and apps designed to help individuals manage their finances by providing budgeting, tracking, ...
Personalized Financial Services
Financial products and services tailored to the individual needs and preferences of customers, often...
Personalized Insurance Products
Insurance products tailored to individual needs and risk profiles, often using AI and big data analy...
Plaid
A fintech company that connects applications with users’ bank accounts, enabling financial service...
Platform as a Service (PaaS)
A cloud computing model that provides a platform allowing customers to develop, run, and manage appl...
Polkadot (DOT)
A blockchain protocol that allows different blockchains to interoperate and share information.
Portfolio Diversification
The practice of spreading investments across various assets to reduce risk.
Portfolio Rebalancing
The process of realigning the weightings of a portfolio's assets to maintain an intended risk level....
Power of Attorney
A legal document that gives someone the authority to act on another person's behalf in financial or ...
Predictive Analytics
The use of data, statistical algorithms, and machine learning techniques to identify the likelihood ...
Prepaid Card
A payment card that is preloaded with funds and can be used for purchases until the balance is deple...
Price Discovery
The process through which the market determines the price of an asset based on supply and demand.
Price Elasticity
A measure of how much the quantity demanded of a good responds to a change in the price of that good...
Privacy Coins
Cryptocurrencies designed to enhance user privacy by obscuring transaction details, making them diff...
Private Cloud
A cloud computing environment dedicated to a single organization, offering greater control and secur...
Private Equity
Investment in companies that are not listed on a public exchange, typically involving buying, restru...
Proof of Stake (PoS)
A consensus mechanism where validators are chosen to create new blocks based on the number of coins ...
Proof of Work (PoW)
A consensus mechanism that requires nodes to solve complex mathematical puzzles to validate transact...
Property Tax
A tax assessed on real estate by the local government, based on the value of the property.
Prosper
A peer-to-peer lending platform that matches individuals looking to invest with those in need of per...
Prudential Regulation Authority (PRA)
Part of the Bank of England, responsible for the regulation and supervision of banks, building socie...
Public Cloud
A cloud computing model where services are delivered over a public network and shared among multiple...
Public Key Infrastructure (PKI)
A set of roles, policies, and procedures needed to create, manage, distribute, use, store, and revok...
Purchasing Managers' Index (PMI)
An indicator of the economic health of the manufacturing and service sectors, based on surveys of pu...
Put Option
A financial contract that gives the buyer the right to sell an asset at a specified price within a c...
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Q2 Holdings
A provider of digital banking solutions, helping financial institutions deliver intuitive and secure...
QR Code Payments
Payments made by scanning a QR code with a mobile device, commonly used in mobile wallets and apps.
Quantitative Easing (QE)
A monetary policy in which a central bank purchases government securities or other securities from t...
Quantum Computing
A type of computing that uses quantum-mechanical phenomena, potentially revolutionizing encryption a...
Quantum Computing in Finance
The potential use of quantum computing to solve complex financial problems, such as optimizing tradi...
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Random Walk Theory
The theory that stock prices follow a random path, making it impossible to predict their future dire...
Rapyd
A global Fintech-as-a-Service platform offering payment and financial services infrastructure to bus...
Real-Time Data Processing
The ability to process data almost instantaneously, as it is generated.
Real-Time Fraud Detection
The use of AI and machine learning to identify and prevent fraudulent transactions as they occur.
Real-Time Payments (RTP)
Payment systems that enable immediate transfer of funds between bank accounts, available 24/7, often...
Recession
A significant decline in economic activity spread across the economy, lasting more than a few months...
Recurring Payments
Automatic payments set up for regular expenses, such as subscriptions or bills, deducted from a cons...
Refinancing
Replacing an existing loan with a new one, typically to secure better terms, such as a lower interes...
Regulation Best Interest (Reg BI)
A U.S. SEC rule that requires broker-dealers to act in the best interest of their retail customers w...
Regulation on Central Securities Depositories (CSDR)
An EU regulation that aims to improve the safety and efficiency of securities settlement in the EU b...
Regulation on European Long-Term Investment Funds (ELTIF Regulation)
An EU regulation that sets out the rules for establishing and marketing European Long-Term Investmen...
Regulation on European Social Entrepreneurship Funds (EuSEF)
An EU regulation that creates a label for funds that invest in social businesses and projects, suppo...
Regulation on European Venture Capital Funds (EuVECA)
An EU regulation that creates a label for funds investing in start-ups and SMEs, providing easier ac...
Regulation on Packaged Retail and Insurance-Based Investment Products (PRIIPs)
An EU regulation that provides standard information to retail investors to help them understand and ...
Regulation on Short Selling and Credit Default Swaps (SSR)
An EU regulation that imposes restrictions on the short selling of securities and the trading of cre...
Regulation on the Establishment of a European Securities and Markets Authority (ESMA Regulation)
An EU regulation that establishes ESMA as a regulatory body to ensure the stability and transparency...
Regulation on the Statute for a European Company (SE Regulation)
An EU regulation that allows companies to form a European Company (SE), providing them with a Europe...
Regulation S-P
A U.S. SEC regulation that requires financial institutions to protect the privacy of consumer financ...
Regulatory Reporting
The automated submission of financial and operational data to regulatory authorities.
Regulatory Sandbox
A framework set up by a regulator that allows Fintech firms to test their innovations in a controlle...
Regulatory Technology (RegTech)
Technology used to help companies comply with regulations efficiently and at a lower cost.
Reinforcement Learning
A type of machine learning where an agent learns to make decisions by taking actions and receiving f...
Relational Database Management System (RDBMS)
A database management system based on the relational model, storing data in tables that are linked t...
Remitly
An online money transfer service that focuses on providing remittances to developing countries.
Remittance Fintech
Technology-driven services that allow individuals to send money across borders quickly and at lower ...
Representational State Transfer (REST)
An architectural style for designing networked applications, relying on stateless, client-server com...
Retirement Planning
The process of determining retirement income goals and the actions necessary to achieve those goals....
Revolut
A UK-based neobank offering banking services, including currency exchange, crypto trading, and stock...
Revolut Business
A division of Revolut offering banking services tailored to businesses, including expense management...
Rewards Program
A program offered by credit cards or loyalty cards that provides points, discounts, or other benefit...
Ripple (XRP)
A real-time gross settlement system, currency exchange, and remittance network.
Ripple Labs
The company behind Ripple (XRP), which focuses on real-time cross-border payment solutions.
Risk Management
The process of identifying, assessing, and controlling threats to an organization's capital and earn...
Risk-Adjusted Return
A measure of how much risk is involved in producing a certain level of return, used to compare inves...
Risk-Based Approach (RBA)
A method used in AML compliance, where financial institutions assess the risk of money laundering or...
Robinhood
A financial services company known for offering commission-free trading of stocks, ETFs, and cryptoc...
Robinhood Markets, Inc.
A financial services company known for pioneering commission-free stock trading.
Robo Underwriting
The use of AI to automate the underwriting process in lending, insurance, and other financial servic...
Robo-Advisor
An AI-driven digital platform that provides automated, algorithm-based financial planning services.
Robo-Advisor ETF
Exchange-traded funds selected by algorithms for portfolio construction in robo-advisory services.
Robo-Advisors
Automated platforms that provide financial planning services with little to no human supervision, of...
Roostify
A digital lending platform that streamlines the mortgage process from application to close.
Roth IRA
A type of IRA where contributions are made with after-tax dollars, but withdrawals are tax-free.
Round-Up Savings
A service that rounds up every transaction to the nearest dollar and transfers the difference into a...
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Sales Tax
A tax imposed on the sale of goods and services, usually calculated as a percentage of the purchase ...
SAML (Security Assertion Markup Language)
An open standard for exchanging authentication and authorization data between parties, especially be...
Samsung Pay
A mobile payment and digital wallet service by Samsung, enabling payments via Samsung devices.
Sanctions Screening
Checking customer data against lists of sanctioned individuals, entities, and countries to comply wi...
Sarbanes-Oxley 404
A section of the Sarbanes-Oxley Act that requires management and external auditors to report on the ...
Sarbanes-Oxley Act (SOX)
A U.S. law enacted to protect investors from fraudulent financial reporting by corporations.
Savings Account
A bank account that earns interest and is intended for storing money that is not needed for immediat...
Secondary Market
The market where investors buy and sell securities that have already been issued, as opposed to the ...
Sector Rotation
An investment strategy that involves shifting investments between sectors of the economy based on ex...
Secure Sockets Layer (SSL)
A standard security technology for establishing an encrypted link between a server and a client.
Secured Loan
A loan backed by collateral, such as property or other assets, that can be seized if the borrower de...
Securities Act of 1933
A U.S. federal law that governs the initial sale of securities, requiring that investors receive fin...
Securities and Exchange Commission (SEC)
The U.S. government agency responsible for regulating the securities industry, including stocks and ...
Securities Exchange Act of 1934
A U.S. law that created the SEC and governs the trading of securities, including disclosure requirem...
Seed Funding
The initial capital used to start a business, typically provided by founders, friends, family, or an...
Self-Directed IRA
A type of individual retirement account (IRA) that allows investors to make their own investment dec...
Sentiment Analysis
AI techniques used to determine the sentiment or emotional tone behind a series of words, often appl...
Series A, B, C Funding
Successive rounds of investment in a company, typically involving venture capital firms and aimed at...
Serverless Computing
A cloud computing model where the cloud provider dynamically manages the allocation of machine resou...
Service-Oriented Architecture (SOA)
A design pattern in software development where services communicate over a network to provide functi...
Sharpe Ratio
A measure of risk-adjusted return that compares the excess return of an investment over the risk-fre...
Shopify Payments
A payment processing service integrated into the Shopify e-commerce platform, allowing merchants to ...
Short Selling
The sale of a security that the seller has borrowed, with the intention of buying it back later at a...
Short Squeeze
A situation in which a heavily shorted stock’s price sharply increases, forcing short sellers to b...
Single Euro Payments Area (SEPA)
An initiative by the European Union to simplify and harmonize euro payments across Europe.
Single Resolution Mechanism (SRM)
An EU framework for the resolution of failing banks, ensuring an orderly resolution with minimal imp...
Single Supervisory Mechanism (SSM)
An EU system of banking supervision, which includes the European Central Bank (ECB) and national sup...
Skrill
An online payment company offering services such as money transfers, digital wallet, and prepaid car...
Smart Contract
A self-executing contract with the terms of the agreement directly written into code and running on ...
Smart Portfolios
Investment portfolios managed by AI algorithms that automatically adjust asset allocation based on m...
Social Impact Finance
Financial products and services designed to generate measurable social or environmental impact along...
Social Security
A government program that provides financial assistance to retirees, disabled individuals, and survi...
Social Trading Platforms
Platforms that allow users to observe and copy the trades of experienced investors, combining social...
Socially Responsible Investing (SRI)
An investment strategy that considers both financial return and social/environmental impact.
SoFi (Social Finance)
A financial services company offering student loan refinancing, personal loans, mortgages, and inves...
Soft Credit Check
A credit inquiry that does not affect an individual's credit score, often used for pre-approval offe...
Software as a Service (SaaS)
A software distribution model in which applications are hosted by a service provider and made availa...
Software Development Kit (SDK)
A collection of software development tools in one installable package, facilitating the creation of ...
Solvency II
An EU directive that codifies and harmonizes the EU insurance regulation, focusing on the amount of ...
Speculation
The act of trading in an asset, or conducting a financial transaction, with significant risk of loss...
Spending Limit
A cap set by a user on the amount of money that can be spent from an account or with a particular pa...
Split Payments
A feature that allows users to divide the cost of a purchase among multiple people, often facilitate...
Square (Block, Inc.)
A financial services and mobile payment company offering point-of-sale (POS) systems and other digit...
Square Capital
A financing arm of Square that provides small business loans to merchants using Square’s payments ...
Stablecoin
A type of cryptocurrency pegged to a stable asset, like the US dollar, to minimize price volatility....
Stablecoins
Cryptocurrencies designed to minimize price volatility by being pegged to a stable asset, such as a ...
Stagflation
An economic situation in which inflation is high, economic growth is slow, and unemployment remains ...
Starling Bank
A UK-based challenger bank providing mobile banking services to individuals and businesses.
Stripe
A technology company that builds economic infrastructure for online businesses, specializing in paym...
Stripe Atlas
A platform by Stripe that helps entrepreneurs incorporate a company in the U.S. and gain access to p...
Stripe Terminal
A product by Stripe that offers businesses hardware and software to accept in-person payments.
Structured Query Language (SQL)
A standard programming language for managing and manipulating relational databases.
Student Loan
A type of loan designed to help students pay for post-secondary education and associated fees, such ...
Supply and Demand
The basic economic model of price determination in a market, where the price of a good is determined...
Sustainable Finance Disclosure Regulation (SFDR)
An EU regulation that requires financial market participants to disclose how they integrate sustaina...
Swap
A derivative contract in which two parties exchange financial instruments, typically involving cash ...
t
Tax Credit
An amount of money that taxpayers can subtract directly from the taxes they owe to the government.
Tax Deduction
An expense that can be subtracted from gross income to reduce the amount of income that is subject t...
Tax Withholding
The portion of an employee's wages that is not included in their paycheck because it is sent directl...
Tax-Deferred Account
An investment account that allows the taxes on the earnings from investments to be deferred until th...
Tax-Free Account
An investment account where the earnings are not subject to taxes, typically if used for a specific ...
Tax-Loss Harvesting
A strategy used to offset capital gains by selling securities at a loss.
Telematics
The use of telecommunications and informatics to monitor and track driving behavior for insurance pu...
Telematics in Insurance
The use of telecommunication devices to monitor and transmit data on driving behavior, used to adjus...
Temenos
A banking software company offering technology solutions for banks and financial institutions worldw...
Tencent
A Chinese technology conglomerate involved in various fintech services, including WeChat Pay, a majo...
Test-Driven Development (TDD)
A software development process where you write tests before writing the code they are intended to va...
Third Anti-Money Laundering Directive (3AMLD)
An EU directive that set standards for the prevention of money laundering and terrorist financing wi...
Tide
A UK-based fintech company providing business banking services designed for small and medium-sized e...
TILA (Truth in Lending Act)
A U.S. federal law designed to promote the informed use of consumer credit by requiring disclosures ...
Tink
A European open banking platform that enables banks, fintechs, and startups to develop data-driven f...
Toast
A restaurant management platform that integrates point-of-sale (POS), payment processing, and busine...
Token-Based Authentication
A security process where a user is granted access to a system via a token that verifies the user's i...
Tokenization
The process of replacing sensitive data with unique identification symbols that retain all the essen...
Tokenization of Assets
The process of converting rights to an asset, such as real estate or commodities, into a digital tok...
Tokenized Assets
Assets that are represented digitally on a blockchain, allowing for fractional ownership or easier t...
Tokenized Carbon Credits
Digital tokens representing carbon credits, enabling more efficient trading and tracking of emission...
Tokenized Securities
Digital representations of traditional securities like stocks or bonds on a blockchain.
Traditional IRA
A type of IRA where contributions may be tax-deductible, and withdrawals are taxed as ordinary incom...
Transaction Monitoring
The process of reviewing, analyzing, and overseeing transactions for signs of suspicious activity.
TransferWise (Wise)
A financial technology company providing international money transfer services at low fees.
Transport Layer Security (TLS)
A cryptographic protocol that provides secure communications over a computer network.
TrueLayer
An open banking platform that enables companies to access bank data and initiate payments.
Trust
A fiduciary arrangement that allows a third party, or trustee, to hold assets on behalf of a benefic...
Two-Factor Authentication (2FA)
A security process that requires two different authentication factors, such as a password and a one-...
u
U.S. Generally Accepted Accounting Principles (GAAP)
A collection of commonly followed accounting rules and standards for financial reporting in the U.S....
Unsecured Loan
A loan that is issued and supported only by the borrower's creditworthiness, rather than by a type o...
Upgrade
A fintech company that offers personal loans and credit lines, combining banking and marketplace len...
Upstart
An AI-powered lending platform that partners with banks to provide personal loans, focusing on non-t...
USA PATRIOT Act
A U.S. law passed after 9/11 to strengthen national security, including provisions to prevent, detec...
Usage-Based Insurance (UBI)
Insurance where premiums are calculated based on the insured's actual usage of the vehicle.
v
Value Investing
An investment strategy that involves buying securities that appear undervalued based on fundamental ...
Variable Interest Rate
An interest rate that can change over time, often in relation to an underlying benchmark or index.
Venmo
A mobile payment service owned by PayPal that allows users to transfer money to others through a mob...
Venture Capital
A type of private equity focused on investing in early-stage companies with high growth potential.
Virtual Card
A digital version of a credit or debit card used for online purchases, often with a temporary or uni...
Virtual Private Network (VPN)
A technology that creates a safe and encrypted connection over a less secure network, such as the in...
Virtual Reality (VR) in Finance
The application of VR technology to create immersive financial experiences, such as virtual trading ...
Virtualization
The process of creating a virtual version of something, such as a server, a storage device, or netwo...
Voice Banking
The use of voice-activated assistants, such as Amazon Alexa or Google Assistant, to conduct banking ...
Voice Commerce
The use of voice recognition technology to make purchases or conduct banking transactions through vo...
Volatility
The degree of variation in the price of a financial instrument over time, often used as a measure of...
Volcker Rule
A component of the Dodd-Frank Act that restricts U.S. banks from making certain kinds of speculative...
w
Wealthfront
A financial advisory firm offering robo-advisor services for investment management and financial pla...
Wealthsimple
A robo-advisor offering automated investment management and financial planning services.
WealthTech
The application of technology to wealth management services, enabling automated investment advice an...
Web3
The next generation of the internet, characterized by decentralized networks, blockchain technology,...
Western Union
A financial services company known for its global remittance services and money transfers.
Will
A legal document that expresses a person’s wishes as to how their property is to be distributed af...
Worldpay
A global leader in payment processing technology and solutions for merchants.
WorldRemit
A digital remittance service that allows users to send money internationally via mobile phones and o...
x
Xapo
A company offering a bitcoin wallet combined with a cold storage vault and a bitcoin-based debit car...
y
Yield Curve
A line that plots interest rates of bonds having equal credit quality but differing maturity dates, ...
Yield Farming
The practice of staking or lending cryptocurrency assets in DeFi platforms to generate high returns,...
z
Zelle
A digital payment network in the United States that enables P2P transfers between bank accounts.
Zenefits
A SaaS company providing cloud-based software to manage human resources, payroll, and benefits.
Zero Trust Architecture
A security concept that assumes that threats can come from within or outside the network, requiring ...
Zopa
A UK-based peer-to-peer lending company that also offers savings accounts and credit cards.
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