Frontier Fintech Newsletter

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Digital Banking

#88 - Winners and Losers in the New Core Banking Order
A strategic breakdown of how banking is being restructured, the bifurcation of financial services and why core banking vendor economics will never be…
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Samora Kariuki
#86 - Open Banking in 2025 - Game Changer or Boring Pipes
A sober analysis of Open Banking's outcomes, what it means for the broader industry and why Fintechs shouldn't index too much on it.
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Samora Kariuki
#84 - The Corporate Foundry—Beyond Pizza-Box Innovation (Free to Read)
Turning institutional heft into intrapreneurial firepower - Moving from feel-good ‘Innovation of the Week’ rituals to disciplined ventures that confront…
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Samora Kariuki
#81 - Beyond the Hype: Why Gen AI Is Banking’s Next True Platform Shift (Free to Read)
A pragmatic roadmap for leaders who care more about cost curves than clickbait—plus six yardsticks every board should use to frame their AI strategy.
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Samora Kariuki
F-Squared Episode # 2 - Beyond Banking and Lending - The Story of Carbon so Far with Ngozi Dozie
How Carbon turned Nigeria’s massive credit gap into a fintech success story, defying banking norms and economic crises - Also how Carbon is…
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Samora Kariuki
#77 - Banking’s Quiet Superpower: Making Silos Work Smarter
A pragmatic roadmap for turning banks into tech‑driven powerhouses—while keeping the risk‑proof siloes that make them safe.
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Samora Kariuki
Inaugural F-Squared Podcast - Episode #1 - The Story Behind Kenya’s Most Ambitious Banking Transformation
How I&M Bank defied the 70% failure rate of digital transformations and became Kenya’s challenger bank — a discussion with Shameer Patel.
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Samora Kariuki
#73 - Ecosystem Banking - Why it Matters and the Keys to Success
A look at one of the most successful Ecosystem plays, why Ecosystem Banking matters and the core things to get right in Ecosystem Banking
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Samora Kariuki
#66 - Agentic AI - The missing link to the next wave of financial service provision
Why a re-think of software architecture from traditional back-ends to Agentic AI could be the key to unlocking the next wave of growth in Digital…
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Samora Kariuki
#58 Riding the Third Wave: Kamal Budhabhatti’s Journey from Mobile Banking to AI Transformation in Africa - Lessons for Digital Banking…
After revolutionising Africa’s financial sector with mobile banking and super apps, Kamal Budhabhatti is now leading the charge into AI, defining the…
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Samora Kariuki
# 56 The Big BaaS Opportunity in Africa
Why the African banking market lends itself naturally to BaaS and some considerations on execution and commercialisation
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Samora Kariuki
#35 Thoughts around modernising banks
Framing the different technology decisions that bank's leadership need to think about
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Samora Kariuki
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