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S9 E2: Bank Nerd Corner: Compliance, Complexity, and the Gray Areas of Fintech

Fintech Takes

CHAPTER

Understanding Loans and Financial Innovations

This chapter explores the complexities of loans, particularly focusing on innovative financial products like Buy Now, Pay Later (BNPL) and Earned Wage Access (EWA). The speakers discuss regulatory implications, consumer perceptions, and the challenges in defining these financial services as traditional loans. Through a critical lens, they advocate for a nuanced understanding of how these products interact with conventional banking and affect consumer behavior.

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