GlobalFintechInnovation.org

Problems in Fintech Design

Explore real-world problems in credit, payments, savings, insurance, and infrastructure—then trace how different jurisdictions and solutions respond.

Filter by taxonomy topic to see, for example, all problems under Subprime & Small-Dollar Credit or Open Banking.
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Use of Opaque or Hidden Fees
Lenders rely on complex fee structures that obscure the true cost of credit for vulnerable borrowers.
use-of-opaque-or-hidden-fees
Use of Social Collateral and Group Pressure
Group-based or social-collateral models can create coercive pressure on vulnerable borrowers.
use-social-collateral-group-pressure
Weak Consumer Protection in Insurance Markets
Regimes lack clear rules on disclosures, sales practices, and complaint handling for retail insurance.
weak-consumer-protection-insurance
Weak Deposit Insurance Coverage Awareness
Consumers don’t understand whether and how their deposits are protected, undermining trust.
weak-deposit-insurance-awareness
Weak Integration of Public and Private Schemes
Fragmented social and private insurance leads to gaps and overlaps in coverage.
weak-integration-public-private-schemes
Youth and Minors Exposed to Unregulated Payment Tools
Minors use payment apps or cards without age-appropriate safeguards or transparency.
youth-minors-unregulated-payments
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