The latest blog and insights from Freemarket

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Brexit: what do the numbers really say?

Mason Morgan
Brexit isn’t all bad news. The effect on the UK economy is a tale of great economics yet also worrying uncertainty. Political uncertainty and a global economic slowdown are not just a UK phenomenon - here’s what fintech leaders need to know.
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Are multi-currency vIBANS the banking solution you need?

Mason Morgan
There’s no denying that virtual bank accounts or virtual IBANS - vIBANS for short - are an interesting feature and are fast becoming a staple in the banking world.

Ten trends today that every fintech must recognise

Mason Morgan
New technologies are driving disruption everywhere – and financial services is no exception. They are giving rise to new operating models, redefining the nature of work in the sector and - as consumers or business owners - changing our relationship with IT. Here are 10 key trends influencing fintech today.
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What are bank codes and why do they matter?

Mason Morgan
You'll come across many acronyms when conducting business abroad such as; BIC, IBAN and SWIFT - we've broken down the bank codes and explain what they are.
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Trust: a key commodity in fintech

Mason Morgan
Trust is the key commodity in fintech: do your customers trust you, and how can you trust them? With complex intermediary relationships and cross-border transactions, it’s never been more important to build a trusted brand.
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Is managing your bank limiting your growth?

Mason Morgan
It can come as a surprise to anyone that’s not had to set up a cross-border business – but it can take six months or more to negotiate a new bank relationship. Time spent on finding, selecting, negotiating and then integrating these relationships is time that your senior team is not spending on growing the business. It can be a significant drag on growth.
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Seven steps to better negotiating

Mason Morgan
Great deals survive long enough to give both parties some benefit. Even established leaders like Steve Jobs never stopped working on their negotiation skills. Here are some practical ways to improve your chances, and how to spot when a negotiation is running away from you.

A coffee with: Sam Gormley of Osaka Labs

Mason Morgan
Sam Gormley was an entrepreneur at 20, discovering bands for the Atlantic label. Now he’s marketing for fintechs and says the rules haven’t changed...
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Crypto: Bona Fide or a Ponzi Scheme?

Mason Morgan
Bitcoin is back on an upward trajectory – and the speculators are piling in! So it’s time to see what’s changed since 2017: has BTC grown up, or is immaturity still the hallmark of crypto?
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Can we trust Open Banking?

Mason Morgan
Open Banking makes financial data interoperable. But whilst the tech is in rude health, customer sentiment is far behind what fintechs might expect…
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Why technology is now king in banking

Mason Morgan
Managed banking is built to be robust, transparent and flexible so that it seamlessly fits with your system, banks’ systems and requires no maintenance from you.
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Why payment digitalisation is important for Online Travel Agencies cross-border success in 2020

Mason Morgan
The travel industry is one that is constantly affected by tightening margins and more recently an unstable economy. Online Travel Agencies (OTAs) are scrambling to reduce costs, ease overheads and simplify their processes.
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Ten people you need to know in fintech

Mason Morgan
Navigating modern banking, payments, crypto, regulation and all the other trends in fintech is not a one-person job. Luckily, pioneers in the space are writing, speaking and podcasting - so there’s no shortage of inspiration.
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Six reasons why the next decade of payments is pivotal

Mason Morgan
Digital payments have become such a huge part of our lives now, it’s hard to believe that they are still a relatively new phenomenon and there is still a huge scope for them to grow and diversify. Here are six reasons why the next 10 years represent a key period for the payments industry.
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What is Managed Banking, and how will it help my business?

Mason Morgan
Managed Banking is a simple to use, but flexible approach to finding and maintaining the right banking relationships, payment infrastructure and currency corridors; all offered as a service in support of business requirements.
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Have contactless payments turned us into a cashless society?

Mason Morgan
Security and convenience are two of the key drivers behind the rise of contactless payments in the UK. And in October 2018, contactless transactions overtook chip-and-PIN payments in the UK for the first time. But, what might the future lookalike?
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Is 2020 the year of challenger business banking?

Mason Morgan
Recently - the past two years in particular - has seen a rise in business banking, with challenger banks emerging to take advantage of slow, legacy technology and outdated processes.
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British fintech investment reaches a record high

Mason Morgan
Global investors poured funding into the UK’s glistening fintech sector last year, raising almost double the figure that was invested between 2018 and 2019 - despite the rest of the world suffering a slight downturn in funding.
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Which UK fintechs received the most investment in 2019?

Mason Morgan
Despite Brexit uncertainty the UK continued to be an attractive proposition for overseas investors in 2019. UK fintechs still raised a lot of capital, with a select few closing £100m+ rounds. We’ve listed 20 UK fintechs that raised the most throughout 2019.