Core Insights - Mibanco, Peru's leading microfinance bank, has selected Temenos SaaS to modernize its core banking infrastructure and enhance access to finance for small businesses [1][2] - The adoption of Temenos Core and Data Hub aims to accelerate time to market, improve customer experience, and increase operational efficiency [2][4] Company Overview - Mibanco is part of the Credicorp group and serves over 1.9 million active customers with assets exceeding PEN 18.2 billion (USD 5.4 billion) [3] - The bank focuses on micro, small, and medium-sized enterprises, particularly in underserved and informal sectors, offering a variety of financial services [3] Digital Transformation Strategy - Mibanco's digital transformation will leverage Temenos SaaS to provide an agile and scalable solution, facilitating further expansion in a market where 99% of businesses are classified as micro and small [4] - The bank aims to address the needs of approximately 7 million unbanked businesses and individuals in Peru [4] Technology Deployment - Mibanco will utilize Microsoft Azure for running Temenos SaaS, enabling seamless deployment and a unified commercial view across its cloud investments [5] - The SaaS model allows Mibanco to focus on expanding financial access and driving innovation rather than managing technology [4] Leadership Commentary - Alberto del Solar, Deputy CEO of Mibanco, expressed confidence in Temenos' technology and expertise for the bank's transformation project [6] - Rodrigo Silva, President of Americas at Temenos, highlighted the selection as a testament to the strength and agility of their core banking suite [6]

Core Insights - Temenos has been selected by Mibanco, Peru's leading microfinance bank, to modernize its core banking infrastructure using Temenos SaaS, aiming to enhance access to finance for small businesses in Peru [1][6] Company Overview - Mibanco, part of the Credicorp group, serves over 1.9 million active customers and manages assets exceeding PEN 18.2 billion (USD 5.4 billion), focusing on micro, small, and medium-sized enterprises, particularly in underserved sectors [3] Digital Transformation - Mibanco's digital transformation program includes the adoption of Temenos Core and Temenos Data Hub as SaaS to improve time to market, customer experience, and operational efficiency [2][4] - The flexibility of Temenos Core will enable Mibanco to quickly launch new products tailored to the needs of SME customers, enhancing digital transaction reliability and simplifying service processes [2][4] Market Context - In Peru, 99% of businesses are classified as micro and small, with approximately 7 million unbanked businesses and individuals, highlighting a significant opportunity for financial inclusion [4] Technological Infrastructure - Mibanco will utilize Microsoft Azure for running Temenos SaaS, allowing for seamless deployment and a unified commercial view across the bank's cloud investments [5] Leadership Commentary - Mibanco's Deputy CEO emphasized the importance of Temenos' technology in scaling their microfinance model and supporting sustainable economic growth in Peru [6] - Temenos' President for the Americas noted the selection reflects the strength and agility of their core banking suite and their commitment to increasing financial inclusion in Latin America [6]

Core Insights - Grab Finance is enhancing credit access in Southeast Asia by utilizing the FICO Platform, implementing 22 decision workflows across six countries, and increasing credit offer eligibility rates by nearly 50% for its users [1][2] Company Overview - Grab Finance is the financial services division of Grab, a leading superapp in Southeast Asia, operating in sectors such as deliveries, mobility, and digital financial services, serving over 800 cities in eight countries [2] - The company aims to drive economic empowerment and financial inclusion for millions while maintaining a positive social impact and minimizing environmental footprint [2] Financial Inclusion Efforts - Grab Finance has been recognized with a 2026 FICO® Decision Award for its efforts in financial inclusion, having served over 46 million consumers and millions of merchants and drivers [1] - The company addresses the challenges of credit access in Southeast Asia, where over 700 million people face underbanked conditions, by leveraging behavioral data to create alternative risk models [1] Technological Implementation - The implementation of the FICO Platform allowed Grab Finance to automate credit eligibility assessments and deliver contextual, real-time credit offers, significantly improving access for underserved users [1] - The project was completed in under eight months, showcasing rapid deployment and the ability to navigate a fragmented regulatory landscape across different countries [1] Market Impact - Grab Finance's approach transforms everyday digital behavior into a "credit passport" for users previously invisible to traditional banking, thus contributing to economic transformation at scale [1] - The integration of compliance requirements into the credit decisioning framework demonstrates a strategic response to regional regulatory diversity [1]

Core Viewpoint - The article emphasizes the importance of building a balanced investment portfolio that includes both technology stocks and defensive options, highlighting the intrinsic value of companies as a key focus for investment decisions [1] Group 1: Investment Strategy - The company specializes in equities and diversified portfolios, aiming to ensure clients benefit from technology stock growth while maintaining investments in defensive options [1] - There is a strong preference for established technology companies and those in consumer staples and discretionary goods, prioritizing company value over market circumstances [1] Group 2: Experience and Expertise - The company has been an active investor for seven years, managing third-party portfolios and focusing on macroeconomic trends, stock valuation, and the interplay between politics and markets [1] - A Master's degree in Economics and experience as a consultant for public and private organizations contribute to the company's analytical capabilities, particularly in financial and economic aspects [1] Group 3: Challenges and Insights - The company acknowledges the difficulty of the investment principle "buying low and selling high," drawing parallels between the pressures of public tenders and market crises experienced in 2020 and 2022 [1] - The company actively promotes financial inclusion programs for women in finance, recognizing the ongoing challenges in this area and expressing a commitment to contribute positively [1]

Core Insights - Tether is expanding USDT and Tether Gold support within Opera's MiniPay wallet, enhancing financial inclusion in emerging markets [1][6] - USDT has a market capitalization exceeding $186 billion, making it the most widely used digital dollar globally [2] - MiniPay has over 12.6 million activated wallets and has seen significant user growth, particularly in Africa, Latin America, and Southeast Asia [3][4] User Engagement and Growth - MiniPay recorded a 50% growth in on-chain users in Q4 2025, with 7 million phone-verified USDT wallets and 300,000 unique buyers in December, a 33% increase month-over-month [3][4] - Celo, the blockchain supporting MiniPay, experienced a user growth of 506% over the last year, increasing from 825,000 to 5 million users [4] - In December 2025, MiniPay users initiated over 96 million USDT in transfers and conducted more than 3.5 million peer-to-peer payments [4] Financial Transactions and Local Integration - Users added over $49 million in cash to MiniPay wallets through local partners, facilitating direct connections to Tether's liquidity network [5] - More than $153 million was sent or received through MiniPay in December, indicating a rising demand for stable, dollar-based payments in mobile-first regions [5] Product Features and Market Position - MiniPay supports Tether Gold (XAU0), providing an inflation-resistant savings option as gold prices rose nearly 50% in 2025 [6] - Tether Gold serves as a transparent bridge between traditional value stores and the digital economy [7] - Tether's commitment to transparency and accessibility is aimed at expanding the real-world use of stablecoins [8]

Core Insights - NCR Atleos has renewed its partnership with Heart of England Co-operative for five years, focusing on enhancing financial inclusion through upgraded ATM services [1][1][1] Company Overview - NCR Atleos is a leader in self-service financial access, providing innovative solutions for financial institutions, retailers, and consumers [1][1] - The company operates the largest independently-owned ATM network and emphasizes operational efficiency and digital-first experiences [1][1] Partnership Details - The renewed agreement includes a comprehensive upgrade of Heart of England Co-operative's 35-site ATM network, ensuring free cash access for local communities [1][1] - The collaboration aims to enhance ATM availability and service quality, aligning with both organizations' commitment to customer satisfaction [1][1] Strategic Goals - Heart of England Co-operative aims to maintain its strategic priorities while benefiting from NCR Atleos' operational efficiency and innovative solutions [1][1] - The upgraded ATM network is expected to drive foot traffic and meet evolving customer needs in Coventry and Warwickshire [1][1]

Core Insights - Tether's USDT has a market capitalization of $187 billion, surpassing all its stablecoin competitors combined, and is growing rapidly with 536 million users, increasing by 30 million per quarter [2][3] - Tether has launched USAT, a U.S.-regulated stablecoin, to comply with new federal regulations and compete with Circle's USDC, marking a significant shift towards mainstream acceptance [4][3] - Tether's CEO emphasizes the company's role in financial inclusion, particularly in countries with weak currencies, and claims that Tether has collaborated with nearly 300 law enforcement agencies globally [5][7] Market Position and Competition - Tether's USDT is positioned as a digital dollar that operates independently of traditional banking institutions, making it a preferred choice for users in countries with unstable currencies [2][11] - The stablecoin market is becoming increasingly competitive, with major financial institutions like Fidelity, JPMorgan Chase, and PayPal launching their own dollar-pegged tokens [1][4] - Tether has demonstrated resilience during market crises, successfully redeeming $20 billion in 20 days during the TerraLuna collapse, showcasing its stability compared to traditional banks [9][10] Regulatory Landscape - Tether's recent initiatives, including the launch of USAT, are aimed at aligning with U.S. regulatory requirements, which have historically posed challenges for the company [4][3] - The CLARITY Act, currently in Congress, could impact Tether's business model by prohibiting stablecoin issuers from paying interest to holders, which may solidify Tether's existing practices while affecting competitors [11][12] Future Ambitions - Tether is expanding its product offerings beyond stablecoins, including Tether Gold, which has a circulation of $2.6 billion and positions the company as a significant private gold holder [12][13] - The company is also venturing into AI with the launch of Qvac, a decentralized AI platform aimed at providing access to underserved populations, reflecting Tether's broader strategy of financial inclusion [13][14] - Tether's investments in various sectors, including agriculture and technology, are part of a strategy to create a stable ecosystem that supports its core mission of financial stability for its users [15][16]

Core Insights - TransUnion and FrontLobby are collaborating to integrate rental payment data into TransUnion's alternative data reporting system, enhancing visibility for housing providers and allowing renters to report their consistent, on-time rental history [1][2]. Group 1: Collaboration Details - The partnership will add rental payment information from FrontLobby to TransUnion credit reports as a separate category, enabling timely rent payments to contribute positively to credit files without being classified as debt [2][4]. - FrontLobby's platform facilitates monthly reporting of rent payments, serving over 60,000 housing providers and more than one million rental units in Canada, with reported delinquencies reduced by up to 92% [3][4]. Group 2: Benefits for Renters and Housing Providers - The integration aims to help over five million Canadian households by recognizing consistent rental payments, thereby improving their creditworthiness [4]. - Housing providers will gain enhanced insights and tenant stability, fostering stronger rental relationships and providing a competitive advantage [4][8].

Core Insights - TransUnion and Zenbase have partnered to enhance the credit reporting ecosystem by including rental payment information, allowing renters to improve their credit reports and access better financial opportunities [1][2][4] Company Overview - TransUnion is a global information and insights company with over 13,000 associates in more than 30 countries, recognized as a leading credit bureau in Canada [5] - Zenbase is a Canadian financial health platform that offers automated rent reporting and flexible rent payment solutions, focusing on economic inclusion for renters [7] Financial Inclusion - The integration of rental payment data into credit reports represents a significant advancement in financial inclusion, enabling approximately five million Canadian households to showcase responsible payment behavior [1][2] - By treating rental payments as a distinct category, this initiative allows timely rent payments to enhance credit files without being classified as debt [1][2][4] Technological Integration - Zenbase's direct integration with property management systems allows for seamless rent reporting, minimizing administrative overhead for property managers [3] - This technological advancement facilitates the delivery of rental data to TransUnion, ensuring that residents are recognized for their rent payment history [3] Economic Impact - The initiative aims to improve the financial health of renters by transforming their largest monthly expense into a tool for building credit and unlocking capital [4][8] - Zenbase currently supports over 200,000 homes across Canada, contributing to a more inclusive financial ecosystem [9]

THE PATHWARD STORY UPDATED JANUARY 22, 2026 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 1 FORWARD LOOKING STATEMENTS This investor update contains "forward-looking statements" which are made in good faith by Pathward Financial, Inc. (the "Company") pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as "may," "hope," "will," "should," "expect," "plan," "anticipate," "intend," ...