Plumery

A big thank you to The Financial Technology Report for recognising #Plumery among the Top Financial Technology Companies of 2025. Proud to have Ben Goldin represent us at the NYC Awards Night, and even prouder of the team behind the work that got us here. 💜 #Fintech #DigitalBanking #Awards

The era of vendor dependency is over. For years, banks have been held hostage to someone else's roadmap. Waiting months for features their customers needed yesterday. Building product strategies around what their vendor would eventually get around to shipping. One European bank decided enough was enough. They took back control of their product vision, their pace, and their priorities. That shift is possible. And it starts with the right platform. If you're ready to stop waiting and start building on your own terms, let's talk.👇 https://lnkd.in/dVFm26rS #DigitalBanking #VendorLockIn #BankingTechnology #ProductStrategy #Fintech #BankingInnovation

Your core goes down at 2am. Your customers can't log in. Transactions are failing. The support lines are flooded. And your digital banking platform? Gone with it. This isn't a hypothetical. It happens every quarter, somewhere, to someone who thought their stack was solid enough. The banks that stay online aren't the ones with the most resilient cores. They're the ones that built a layer that doesn't depend on them. If this scenario keeps you up at night, we should talk. 👇 https://lnkd.in/dVFm26rS #DigitalBanking #BankingTechnology #CoreBanking #Fintech #BankingInnovation #Resilience

Most #fintech conversations are forgettable. The right ones redefine your strategy. We're heading to Fintech Meetup in Las Vegas (March 30 – April 1, Mandalay Bay), and Alexey Lapusta will be there representing #Plumery meeting the financial industry leaders who are serious about what comes next in digital banking. If you'll be there too, let's not leave it to chance. Reach out and we'll set up a proper meeting. 👇 #FintechMeetup #DigitalBanking #Event

#PuertoRico 🇵🇷 , nos quedamos con un pedacito de vosotros. Last week, San Juan was the room where it all happened. #Plumery joined Mambu and #T23Group for the Digital Finance Transformation Executive Evening, an exclusive gathering for the leaders driving the future of banking in Puerto Rico. The energy in that room was something else. The kind of night that reminds you why bringing the right people together actually matters. And a special shoutout to Alexey Lapusta for representing Plumery so brilliantly on the ground. Thank you to everyone who joined us. Swipe through to see how it looked. 👇 #Fintech #DigitalBanking #BankingTransformation

Some #banks spend millions making themselves look incredible. But what does the experience actually feel like on the other side? The brand is polished. The campaign is targeted. The messaging is sharp. But the onboarding takes weeks. The journey is fragmented. The tech underneath cannot keep up. Marketing investment and technology investment are not always speaking to each other. And the customer is the one who finds out. This is precisely the problem we set out to solve at #Plumery. Cornel Dixon explains it very well in this carousel. Worth a read. 👇 #DigitalBanking #CustomerExperience #Onboarding #Fintech

Half of Gen Z don't know their credit score. The instinct is to blame them, but the real problem is the scoring model. According to Zuto, almost half of 20–29-year-olds in the UK don’t even know their credit score, and more than half experience “credit score anxiety.” It’s tempting to frame this as a generational problem, but I don’t think it is. The reality is that the economic model Gen Z is entering looks very different from the one most credit systems were designed around: a world of stable, long-term employment, predictable income, long address histories, and traditional credit products that build repayment records over time. That’s what most scoring models still reward, but today’s reality (particularly for young people) looks very different. But the scoring model wasn't built for how Gen Z actually lives. Three structural mismatches stand out: 1. BNPL usage is high: If managed well, it can help build credit, but it can also damage scores quickly if repayments are missed. 2. Rent is often their largest monthly expense. And in most markets, paying it perfectly for five years counts for nothing on your credit file. 3. Many live at home longer: Meaning fewer bills in their own name to demonstrate repayment behaviour. In some markets, the issue is amplified by easy access to revolving credit. In others, like the Netherlands, credit scores are barely part of everyday financial life. So context matters. But if the way people earn, spend, and live evolves, credit models must evolve too. Otherwise, you end up misclassifying risk. There’s also a second issue: financial education. Many young adults are navigating complex credit products without ever being taught how they work, and banking apps are often more transactional than educational. Gen Z isn’t disengaged from credit. They’re just engaging with it differently. The question I keep coming back to: are we building credit models for the economy we have, or the one we used to have? Because right now, I'm not sure we know the answer.

When banks announce £11bn in SME lending, I’m more curious about the operating model than the headline. Recently, five major UK banks have committed £11bn to support SME growth, with government guarantees covering up to 80% of eligible loans. While I believe access to capital is important (particularly for smaller businesses aiming to invest, hire, or expand beyond their domestic markets), this move feels more like it’s addressing the symptom rather than the root cause. The real friction hasn’t simply been willingness to lend; it’s the underlying economics of serving SMEs efficiently at scale. Most incumbent banking models are still optimised for larger corporates: If it costs nearly the same to acquire and service a small SME as a much larger corporate, naturally, you’ll prioritise the bigger ticket. So the real questions are: •  How long does this support last? •  What changes once guarantees taper off? •  Will banks use this moment to modernise and lower their cost to serve? An £11bn package may increase lending volume. But unless the underlying operating model evolves, SME banking won’t fundamentally change. But what do you think? Will £11bn in lending meaningfully change SME growth in the UK in 2026?

#Banks are already charging you a subscription. They just don't call it that. Interchange, interest margins, overdraft fees. The line item is hidden, but the cost is real. A transparent subscription doesn't add a new charge. It just makes the existing one honest. Ben Goldin breaks down why transparency changes everything 👇 #DigitalBanking #Fintech #BankingInnovation #Plumery #CustomerExperience

Payments innovation in 2026 will be slower than many expect. And that’s probably a good thing! Most banks and payment providers are already operating with more technical capability than they can safely govern. The constraint today isn’t access to faster rails, AI-driven fraud tooling, or alternative settlement mechanisms. It’s fragmentation. What’s changing now is where investment is going. Instead of chasing the next headline rail or consumer-facing feature, many institutions are turning inward — focusing on the harder work underneath: • Integrating fragmented payment and data stacks • Strengthening governance, security and resilience • Making existing capabilities work reliably at scale That’s why a lot of 2026 will look deceptively quiet from the outside. AI agents, stablecoins, biometrics, and A2A payments are maturing — but mostly through operationalisation, integration, and control rather than splashy launches. In payments especially, innovation is shifting from experimentation to enterprise-grade execution. This is a necessary correction. Payments has spent a decade optimising for speed and novelty. The next phase is about control, resilience, and economics. But what do you think? Are we finally past the “innovation for innovation’s sake” era in payments, or is another hype cycle just around the corner?