Top 5 FinTech Trends Impacting E-Commerce Today

Top 5 FinTech Trends Impacting E-Commerce Today

Our Head of Strategic Initiatives, Dennis Chin, wrapped October on a high note at the Money20/20 Conference in Las Vegas. The much-anticipated event covered the latest trends and technologies in the industry and attracted fintech leaders from across the globe. We attend these events to ensure that Yardline is always at the cutting edge of our industry, providing our clients with optimal solutions and guidance at each phase of their development. Here, we’ll share some of the significant themes of this year’s conference so you can leverage them in your business and prepare for a rewarding 2022.

Crypto and Blockchain Dominate

As anticipated, crypto and blockchain were dominant topics of conversation throughout the conference. DeFi (decentralized finance) forces businesses worldwide to consider if, when, and how they will participate in the democratized monetary revolution. While the topics of crypto and blockchain are hot right now, there are growing concerns about how to maintain a decentralized system without fraud and theft becoming a critical issue. 

It’s worth noting that SEC Chair, Gary Gensler, recently stated that crypto should be viewed as a security—an opinion shared by his predecessor. If this perspective holds, crypto would fall under the jurisdiction of the SEC and be subject to regulations that could help address common concerns.

KYC/AML Automation

KYC (know your client) and AML (anti-money laundering) automation are continuously evolving to address fraud issues. There is a shift toward phone-based authentication using a combination of behavioral, biometric, and geographic data and technology. The systems work with both middleware and proprietary technologies, providing frictionless login processes as well as seamless onboarding experiences for consumers and business owners.

In e-commerce, the rapid advancements in KYC technologies enable companies to better detect payment fraud and prevent chargebacks. 

International Payments-As-A-Service And Remittance On The Rise

Payments-as-a-Service (PaaS) is a solution that enables platforms to embed payment services directly on their platform. The primary benefits are improved compliance and security, lower costs, and quicker reconciliation of payments. Now that PaaS is growing in popularity for international payments, sellers will be able to conduct transactions globally without the typical delays. Enhanced security and immediate liquidity have the potential to vastly expand e-commerce opportunities.

Cash Flow Forecasting Solutions & Analytics Are Booming

E-commerce business owners now have access to cash flow forecasting solutions nearly everywhere they turn. There are dozens of e-commerce software tools that enable companies to connect a wide array of vendors, including payment platforms, accounting software, and e-commerce marketplaces. These tools help improve cash flow forecasting and enable sellers to better manage their company’s finances. 

White-Labeled Fintech Solutions Abound

Dozens of white-labeled fintech solutions are popping up, including credit cards, finance, and banking services via BaaS (Banking as a Service) and LaaS (Lending as a Service) technology. White-labeling opens new opportunities for e-commerce marketplaces and platforms to create proprietary financial products across banking, financing, and payments, offering sellers a more comprehensive package of financial tools. 


It’s an exciting time to be an e-commerce business owner. The Money20/20 conference made it clear that the fintech industry continues to evolve rapidly, providing many new opportunities in the digital marketplace. E-commerce companies can attract new consumers and reach into global markets by leveraging the power of greater security, accessibility, and immediacy of payments, banking, and financing. Plus, owners are able to manage their businesses more effectively with in-platform forecasting tools and PaaS solutions.

We understand that with change comes a lot of questions and perhaps some hesitation. If you would like to schedule a consultation with one of our experts, contact us here, and we’ll be happy to help.