Efi Pylarinou
@efiglobal.bsky.social
π€ 106
π₯ 38
π 144
Your Global Fintech & Tech Influencer linktr.ee/Efiglobal
OpenAI: $10B JV with TPG, Brookfield, Bain, SoftBank. Anthropic: $1.5B JV with Blackstone, Goldman, Hellman & Friedman. Same day. Same bet. AI's bottleneck isn't the model. It's distribution. And no consulting firm made either cap table.
27 days ago
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Korea Knits Asia Together: Cross-Border QR Payments + AI in Financial Rails KFTC connecting national payment switches across Asia. Live: India, Vietnam, Indonesia. Testing: conversational AI payment agent, AI-powered AML.
m.koreaherald.com/article/1073...
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Korea eyes wider QR payment network across Asia
South Korea's financial clearing agency plans to expand its cross-border QR payment network across Asia as the country modernizes digital payments and brin
https://m.koreaherald.com/article/10730915
28 days ago
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Ant Group Releases Ling-2.5-1T and Ring-2.5-1T Open-Source Models Ling-2.5-1T focuses on general purpose reasoning tasks, while Ring- 2.5-1T incorporates a hybrid linear architecture optimized for mathematical reasoning and structured problem solving.
about 1 month ago
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South Korea is the 3rd nation in AI! Europe has only one LLM - Mistral - with a 23 ranking by @artificialanlys (based on 10 criteria) compared to Opus 4.6 (top one) ranking of 53. Even UAE has two LLMs.
4 months ago
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π΄ Banking talent retention: Tale of two extremes New data on where bankers actually want to stay - and where they're planning their exit.
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#banking #jobs #technology | Dr. Efi Pylarinou
π΄ Banking talent retention: Tale of two extremes New data on where bankers actually want to stay - and where they're planning their exit. A survey of 2,000 financial services professionals reveals...
https://www.linkedin.com/posts/efipylarinou_banking-jobs-technology-activity-7415003293250187264-kf87
5 months ago
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Merry Xmas to all! Enjoy this holiday season, rest, connect and reflect.
5 months ago
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X Money was promised for 2024. Then early 2025. Then "later this year." Now it's late 2025, and they're still hiring the tech lead to "build from the ground up." The "everything app" vision stays perpetually on the horizon.
5 months ago
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Reality check: Bitcoin ETF fees are climbing back UP. 0% promos β now 0.20-0.25% is the new normal. Land-grab phase complete. Year 2-3 competition is infrastructure depth: - Options availability - Custody integration - Tax optimization tools - Derivatives liquidity Compete on features, not fees.
6 months ago
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PayPal files for bank charter in lending push PayPal's ILC β Stripe's MALPB PayPal: Deposits & lending Stripe/Checkout.com: Card network access Fintechs going verticalβdifferent paths to control π¦
buff.ly/8ymplpz
6 months ago
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Klarna`s experiments with AI and its workforce From W-2 to gig economy: Klarna moving to contractor-based model paired with AI. Question: Does fintech function better with on-demand talent + autonomous agents vs traditional full-time teams?
paymentexpert.com/2025/05/16/k...
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Klarna questioned on use of AI to cut down workforce
Klarna has garnered headlines and controversy with its recent admission of using AI to reduce its corporate headcount.
https://paymentexpert.com/2025/05/16/klarna-use-ai-to-cut-down-workforce/
6 months ago
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From Boardroom to Code: How AI and Standards Are Collapsing Banking Transformation Timelines My reflections from the BIAN Summit 2025, Chicago
www.linkedin.com/pulse/from-b...
6 months ago
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Top AI Books to Read in 2025
www.ai-supremacy.com/p/top-ai-boo...
7 months ago
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Animoca Brands announces Nasdaq listing via reverse merger with Currenc Group (CURR). The Web3 giant with 600+ portfolio companies will own 95% of the merged entity, expected to close in 2026. First publicly-listed diversified digital assets conglomerate.
www.theblock.co/post/377291/...
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Major crypto investor Animoca Brands poised for Nasdaq listing through merger with AI company
If the merger is completed, Animoca would own the vast majority of Currenc and assume its listing on the Nasdaq.
https://www.theblock.co/post/377291/major-crypto-investor-animoca-brands-poised-for-nasdaq-listing-through-merger-with-ai-company
7 months ago
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Yes it is early for Embedded finance in an Agentic world. But hey, we need to future-proof businesses! `ππ¦ππππππ π π’π§ππ§ππ ππ¨π« ππ ππ§ππ’π ππ` on the FS i-Hub led by @ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis. Bring your questions. Join the conversation. RSVP π
buff.ly/56Oul1O
7 months ago
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DeepSeek + Huawei are bundling Chinese LLMs with cloud services for Africaβat a fraction of OpenAI's cost. The pitch: GPT-level capabilities, cheaper hardware, less power. π° DeepSeek's Push Into Africa Reveals China's AI Power Grab π
www.bloomberg.com/news/feature...
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China's DeepSeek Is Beating Out OpenAI and Google in Africa
By making AI cheaper and less power-hungry, DeepSeek has put the technology within reach of millions of people.
https://www.bloomberg.com/news/features/2025-10-22/china-s-deepseek-pushes-into-africa-making-ai-accessible-to-millions
7 months ago
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`ππ¦ππππππ π π’π§ππ§ππ ππ¨π« ππ ππ§ππ’π ππ` on the FS i-Hub led by @ShaulDavidUK in conversation w/ @griffinbank CEO David Jarvis. π November 3rd, 2025 | 5:00pm CET | 12:00pm EST Bring your questions. Join the conversation. RSVP π
lnkd.in/daTBYMRR
7 months ago
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Check out my latest AI Uncovers Africa's Hidden Data Revolution: From 'Thin Files' to Rich Insights
www.linkedin.com/pulse/ai-unc...
7 months ago
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Movers and Shakers: Dramatic shifts in the 2025 AI banking rankings: π Groupe BPCE +15 π Charles Schwab +14 π Lloyds +12 π State Street +12 AI maturity in banking is no longer about experimentationβit's about execution at scale.
buff.ly/EJBKtgY
#AI
#banking
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2025 Evident AI Index
Explore the latest Evident AI Index rankings and the methodology driving the world's most in-depth benchmark of AI maturity in banking. The October 2025 update of the Evident AI Index assesses the AIβ¦
https://buff.ly/EJBKtgY
8 months ago
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Nobel Prize in economics awarded to Mokyr, Aghion and Howitt for explaining βinnovation-drivenβ growth | CNN Business
edition.cnn.com/2025/10/13/b...
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Nobel Prize in economics awarded to Mokyr, Aghion and Howitt for explaining βinnovation-drivenβ growth | CNN Business
Joel Mokyr, Philippe Aghion and Peter Howitt won the Nobel memorial prize in economics Monday for their research into the impact of innovation on economic growth and how new technologies replaceβ¦
https://edition.cnn.com/2025/10/13/business/nobel-prize-economics-winner-2025-intl
8 months ago
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New AI maturity benchmark of 50 global banks reveals a surprise: Ally Financial ranks top 20 despite being a fraction of the size of mega-banks. Agility + focus can trump scale when it comes to AI. Full report:
buff.ly/EJBKtgY
#AI
#Banking
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2025 Evident AI Index
Explore the latest Evident AI Index rankings and the methodology driving the world's most in-depth benchmark of AI maturity in banking. The October 2025 update of the Evident AI Index assesses the AIβ¦
https://buff.ly/EJBKtgY
8 months ago
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USDT and USDC dominance has fallen from 91.6% (March 2024) to 83.6% π Nic Carter says yield-bearing stablecoins like Ethena's USDe and bank consortia will continue eating into their market share. 'Stablecoin duopoly ending' as USDT, USDC dominance falls to 84%
cointelegraph.com/news/stablec...
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βStablecoin duopoly endingβ as USDT, USDC dominance falls to 84%
Tetherβs USDt and Circleβs USDC have been losing market share over the past year, despite their steadily increasing market capitalization.
https://cointelegraph.com/news/stablecoin-duopoly-ends-usdt-usdc-dominance-decline-analyst
8 months ago
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The Battle for Agent Payments: Who Can Challenge Google's AP2?
sifintechpulse.substack.com/p/the-battle...
8 months ago
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π΅ Hot off the press! Our second part looks into Google`s AP2 protocol. We view this as the new standard set by Google. What does it take to challenge it? Read our in-depth analysis. Leave your comments. Subscribe and Share if you liked it.
open.substack.com/pub/sifintec...
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The Battle for Agent Payments: Who Can Challenge Google's AP2?
The moment Google announced its Agent Payments Protocol (AP2), an ambitious framework for autonomous commerce, it sent ripples through the payments industry.
https://open.substack.com/pub/sifintechpulse/p/the-battle-for-agent-payments-who?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false
8 months ago
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BANK & FINTECH PARTNERSHIPS - AN INSIDERβS VIEW
futures-financial-forum.mn.co/events/bank-...
8 months ago
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π Google's AP2 protocol just set the standard for autonomous commerce - and you can't afford to miss this shift. Multi-rail payments + cryptographic mandates = the new infrastructure. "From Talking Agents to Paying Agents: Inside Google's AP2 & A2A Protocols"
open.substack.com/pub/sifintec...
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From Talking Agents to Paying Agents: Inside Googleβs AP2 & A2A Protocols
How Googleβs Agent2Agent and Agent Payments Protocols are reshaping trust, interoperability, and payments in the age of autonomous commerce.
https://open.substack.com/pub/sifintechpulse/p/from-talking-agents-to-paying-agents?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false
8 months ago
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π₯ October's just getting started at FS i-Hub πΉ Bank-Fintech Partnerships (Oct 1) πΉ Variable Recurring Payments (Oct 7) πΉ AI in Banking Reality (Oct 8) Real experts. Real problems. Real solutions. π Details & RSVP
www.linkedin.com/pulse/beyond...
#FinTech
#OpenBanking
8 months ago
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π΅ Join us - The Fintech Book Club- on Linkedin live as we discuss Theo Lau`s new book ``Banking on (Artificial) Intelligence. w/ @mi_jim @stessacohen RSVP π
www.linkedin.com/events/finte...
8 months ago
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π₯ I am honored to contribute to the first book documenting the global "Peak Branch" phenomenon! π΄ Branch Tomorrow by @brettking launched as a Kindle bestseller at
#Money2020ME
Order your copy π
BranchTomorrow.com
Includes contributions @richardturrin @thepsironi @JimMarous @brunoevdiniz @efipm
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Branch Tomorrow by Brett king | Future of banking 2025
Branch Tomorrow by Brett King reveals why bank branches are fading fast and digital-first is the future of finance. A must-read for banking leaders.
https://BranchTomorrow.com
8 months ago
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π΄ The global "Peak Branch" phenomenon is reshaping banking worldwide β ππ«ππ§ππ‘ ππ¨π¦π¨π«π«π¨π° is the ONLY Book documenting this. @brettking launched it at
#Money2020ME
as a Kindle bestseller! π Honored to contribute w/ @richardturrin @thepsironi @JimMarous @brunoevdiniz Order now π
BranchTomorrow.com
9 months ago
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π¦β‘οΈπ§ The "single brain" concept could transform banking forever Fascinating discussion with @DharmeshMistry about breaking down barriers between AI natives and traditional banking thinking. Full video: "ππ ππ§ππ’π πππ§π€π’π§π : ππ§π₯πππ¬π‘π’π§π ππ‘π 'ππ’π§π π₯π ππ«ππ’π§'"
youtu.be/U2bHxPAvTW8?...
#fintech
#Banking
#AI
9 months ago
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Challenges and Ethical Considerations of Deploying Agentic AI in Banking - ACA International
www.acainternational.org/news/challen...
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https://www.acainternational.org/news/challenges-and-ethical-considerations-of-deploying-agentic-ai-in-banking/
9 months ago
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π΅ My Analysis of Digital Black Markets! Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
open.substack.com/pub/sifintec...
9 months ago
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π΅ Fresh off the press; my latest research: Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control An Analysis of Digital Black Markets
open.substack.com/pub/sifintec...
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Stablecoin Access Premiums up to 30% & How Digital Technology Caps Government Control
An Analysis of Digital Black Markets
https://open.substack.com/pub/sifintechpulse/p/stablecoin-access-premiums-up-to?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
9 months ago
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I just published: Wealthfront's IPO: Betting on Execution Excellence or Betting Against AI Disruption? A comprehensive analysis of proven performance, strategic positioning, and existential transformation risk
open.substack.com/pub/sifintec...
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Wealthfront's IPO: Betting on Execution Excellence or Betting Against AI Disruption?
A comprehensive analysis of proven performance, strategic positioning, and existential transformation risk
https://open.substack.com/pub/sifintechpulse/p/wealthfronts-ipo-betting-on-execution?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
11 months ago
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We discuss the democratization illusion in our latest post on Robinhood`s foray into tokenization!
open.substack.com/pub/sifintec...
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First TradFi-Focused Layer-2: Robinhood's Strategic Move Into Tokenized Finance
Validating our earlier strategic recommendation, Robinhood positions itself as the first Layer-2 platform targeting retail investors with tokenized real-world assets
https://open.substack.com/pub/sifintechpulse/p/first-tradfi-focused-layer-2-robinhoods?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false
11 months ago
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This week's AI in FinServ curation: Infrastructure meets reality π¦π€ The shift from AI-as-a-tool to AI-native financial infrastructure is accelerating. Full analysis below (Subscribe for weeklies) β¬οΈ
www.linkedin.com/pulse/infras...
11 months ago
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I just published The most insightful EU AI Act intro
medium.com/p/the-most-i...
about 1 year ago
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Mobile Money continues to make a difference in people`s lives! c. 50% increase yoy! The State of the Industry Report on Mobile Money 2025, GSMA
about 1 year ago
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Telegram News: Pavel Durov Confirms xAI Deal is Still 'Pending'
buff.ly/zmlm70v
The rumors are of a 50% revenue share. IMHO, Telegram is as close as it gets to being a Western-born SuperApp! Watch them.Telegram crossed the 1 billion MAU this March!
about 1 year ago
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Marketing Giant or Banking Innovator? The Polarizing Chime IPO Debate
buff.ly/ZXfBiwN
about 1 year ago
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π΅ @CDixon just led the seed round for Catena Labs focused on payment rails for AI agents. We know that our payment infrastructure is stuck in the human era. π3 infrastructure items that need attention: π Verifying Trusted Agents ποΈ Built-in Compliance β‘ Fraud Detection
about 1 year ago
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Data Power Trifecta : The Transformative Impact of Data on Society and Economy
www.linkedin.com/pulse/data-p...
by @IngridVasiliu
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Data Power Trifecta : The Transformative Impact of Data on Society and Economy
Introduction In the unfolding age of hyperconnectivity and technological convergence, the assertion that βData is Powerβ is no longer symbolicβit is foundational and structural. The notion of powerβ¦
https://www.linkedin.com/pulse/data-power-trifecta-transformative-impact-society-vasiliu-feltes-rm6pe
about 1 year ago
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π΅ The fugu guide to jobs in a world of AI, by @sanguit
open.substack.com/pub/platform...
This is an industry and function-agnostic read that one cannot miss. It provides a new lens to rethink our changing world. How to re-evaluate the value we create.
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The fugu guide to jobs in a world of AI
Stop measuring AI by the tasks it fails at. Start noticing the systems it breaks.
https://open.substack.com/pub/platforms/p/the-fugu-guide-to-jobs-in-a-world?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false
about 1 year ago
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FinTech IPO Index surges 4.4% on strong earnings! v/ @PYMNTS β’ Toast shares jump 23%, expects 25-27% YoY growth β’ dLocal rockets 25%, hits record $8.1B in Q1 payment volume, up 53% YoY β’ Digital payments & AI-driven efficiencies fuel gains
www.pymnts.com/news/fintech...
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FinTech IPO Index Gains 4.4% as Toast and dLocal Get a Boost on Earnings | PYMNTS.com
Moving into mid-May, the FinTech IPO Indexβs 4.4% increase was powered by a string of earnings reports, with digital payments growth seen across Latin
https://www.pymnts.com/news/fintech-investments/2025/fintech-ipo-index-gains-4-4-as-toast-and-dlocal-get-a-boost-on-earnings/
about 1 year ago
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Unlocking Robinhoodβs Five Strategic Opportunities for Fintech Leadership
open.substack.com/pub/sifintec...
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Unlocking Robinhoodβs Five Strategic Opportunities for Fintech Leadership
Robinhood has made a name for itself by democratizing finance through commission-free trading and a user-centric mobile platform.
https://open.substack.com/pub/sifintechpulse/p/unlocking-robinhoods-five-strategic?r=7ci1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false
about 1 year ago
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π£ Happy World Book Day! The chapter I`ve contributed on `ππ‘π’π§π€π’π§π π₯π’π€π ππ§ ππ-π§πππ’π―π` is a must-read for any professional! It will guide you no matter what stage you are at in the implementation of the advancements in AI in your business. The Fast Futre Blur:
lnkd.in/ep5zZpec
#worldbookday
about 1 year ago
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π΅ European Businesses have invested in Crypto!!! Want to know more? Read my latest
www.linkedin.com/pulse/40-eur...
TY @Bitpanda_global
#crypto
#fintech
#banking
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40% of European Businesses have Crypto: The Adoption Gap Financial Institutions must Bridge
The "Europe Diving Into Crypto" report by Bitpanda Technology Solutions in collaboration with zeb consulting provides a triangular view of the European crypto landscape through the lens of privateβ¦
https://www.linkedin.com/pulse/40-european-businesses-have-crypto-adoption-gap-must-bridge-efi-id4xf
about 1 year ago
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One of the most popular 2025 videos `The AI Gender Gap: Can AI help Women make better decisions? w/ @cortneyharding a AR/VR expert
buff.ly/tDk7LhB
about 1 year ago
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π΅ My latest: 40% of European Businesses have Crypto: The Adoption Gap Financial Institutions must Bridge
www.linkedin.com/pulse/40-eur...
I`ve curated for you the takeaways, the paradoxes, and the opportunities
#crypto
#Bitpanda
#banking
#Saas
#fintech
about 1 year ago
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reposted by
Efi Pylarinou
Financial Times
about 1 year ago
Astronomers using a space telescope have found signs of biological activity on K2-18b, a distant water-covered planet that is 8.6 times bigger than Earth.
www.ft.com/content/0142...
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