The Fintech Magazine Issue #37

Issue 37 of The Fintech Magazine is live!

The FF Awards are coming to London and potentially in a very jittery mood about what might be happening at 11 Downing Street. While we’re dressed up and celebrating, founders and finance leaders will be quietly wondering what the Chancellor’s next move will be, whether stealth taxes and farewell fees will reshape the UK as a place to build and exit a fintech.

That is where this issue’s cover feature comes in as Fintech Islands looks at the places ambitious firms might run to, and not just for tax advantages. It explores which jurisdictions are building serious ecosystems, striking the right balance of regulation and innovation, and offering the lifestyle that makes late nights and big bets feel worthwhile. It is a guided tour of potential Plan B locations at a moment when many are running the numbers, even if only in their heads.

The other dominant theme is AI, which Pleo mischievously rebrands as Angst and Indecision in the CFO’s office. Its new report shows finance leaders swamped by tools, dashboards and data, yet still struggling to make confident calls. Technology is often complicating decisions rather than clarifying them. The feature looks at how Pleo thinks spend management should work in reality, with fewer fragmented systems, smarter automation and AI that genuinely reduces stress instead of adding to it, especially as we edge towards peak AI hype.

Core banking modernisation also gets a spotlight. Temenos sets out why legacy systems remain such a drag on profitability and agility, and how a different approach to modernisation can put banks back in control of their own futures. It is not about ripping everything out for the sake of it, but about creating a technology stack that lets them respond to fintech challengers and rising customer expectations without tying themselves in knots.

On the infrastructure and payments side, The Fintech Magazine Issue 37 travels across borders. PPRO’s Therese Hudak talks about the next frontier in US to LATAM payments, where local knowledge, alternative payment methods and regulatory nuance decide who really wins. Vyntra makes the case that data transparency and transaction security are two sides of the same coin, and shows how bringing specialists together on one AI powered platform can amplify both protection and visibility. Nium’s new licence in Brazil is unpacked as a key step in its mission to be among the most complete cross border infrastructure providers, turning Brazil into a strategic hub rather than just another pin on the map.

The Fintech Magazine Issue 37 signs off with a human reminder that, for all the talk of tax policy, relocation strategies and artificial intelligence, real people and real conversations still matter most. If you are reading this at the Awards, close the magazine for a bit, go talk to someone, and argue about where you would move, which tools you would keep, and whether the UK can stay the home of your next chapter.

The Fintech Magazine Issue 37 is your year end companion for thinking those questions through, before you decide whether to stay put or start rowing for a smaller island.

Read the magazine right here!