Nik Milanovic

Nik Milanovic Contributor Share on Twitter Nik Milanovic is a fintech and financial inclusion enthusiast, with a decade of work across mobile payments, online lending, credit and microfinance. The opinions expressed in his articles do not reflect those of his employer(s). More posts by this contributor Build products that improve the lives of inmates Now more than ever we need fintechs to lead on consumer transparency

Nik Milanovic is a fintech and financial inclusion enthusiast, with a decade of work across mobile payments, online lending, credit and microfinance. The opinions expressed in his articles do not reflect those of his employer(s).

The Latest from Nik Milanovic

We need new business models to burst old media filter bubbles

It’s time for us to think critically about how we can build business models that reunite information bubbles, so that people consistently get access to all sides of the story.

Build products that improve the lives of inmates

Almost one-third of Americans have some criminal history. The U.S. accounts for 25% of the world’s prison population. Let’s stop ignoring this demographic and build tools that really make the worl

Now more than ever we need fintechs to lead on consumer transparency

As the US flirts with extreme market volatility and the possibility of its first recession since 2008, it’s amazing to think how much consumer financial services have changed in that time.

Who will the winners be in the future of fintech?

In a world where people access their financial services through one universal hub, which companies are the best-positioned to win?

Fintech’s next decade will look radically different

Fintechs are heavily verticalized, recreating the offline branches of financial services by bringing them online and introducing efficiencies, but the next decade will look very different.

Libra’s critics are missing the forest for the trees

Critics of Facebook's proposed stablecoin are well-intentioned, but they're missing the forest for the trees.

What money should be

With the release of the Facebook consortium’s project Libra whitepaper, the internet, tech world, financial services industry and policy circles are all burning with conversation on the project’s

The Third Age of credit

Society is beginning to wake up to a tremendous shift in one of the most fundamental underpinnings to how we live our lives: the credit system. Even though it’s not commonly known, credit infrastruc

The next revolution will be reclaiming your digital identity

An identity is a difficult thing to lose. I found this out the hard way when my passport was stolen while backpacking through Asia and Africa earlier this year. The bureaucratic process to get a new p

China’s ICO ban makes more sense in light of its history with fintech

Nik Milanovic Contributor Share on Twitter Nik Milanovic is a fintech and financial inclusion enthusiast, with a decade of work across mobile payments, online lending, credit and microfinance. The opi

An obscure regulatory debate has put the entire U.S. fintech community on edge

An obscure request for comments on regulatory standards, released by the Office of the Comptroller of the Currency (OCC) last March, has since evolved into a complex turf war between the states and Wa

Developing a global financial architecture

The movement of capital around the globe is of paramount importance to an increasingly globalized society. As companies, workers and jobs become more fluid across permeable borders, it will become inc

Life, by subscription

The American dream is no longer for sale -- but it is for rent. We are slowly going through a subtle shift in how the economy is owned and operated, with massive implications. On an average day, you m

Africa’s Tech Gold Rush

Africa is on the verge of something big. This seems to be a quiet, cautious consensus in some investment communities. The past year has been peppered with stories of tech startup hubs emerging across