FOREWORD CHANGES RESULT IN DEVELOPMENT
 The fintech industry thrives on change in all areas - even those that seem negative
 “ CHANGE
 DRIVES INNOVATION AND BREEDS RESILIENCE ”
 The fintech space is thriving , despite the challenges facing the global economy .
 Over the past three years , blockchain has become a mainstream technology with numerous usecases . Equally , Open Banking has transformed the transactional space , with embedded finance and BNPL flourishing in a post-pandemic environment . This month , we ’ ve investigated the evolution of e-wallets , super apps , and the way regulation in digital currencies is impacting financial inclusion .
 Change drives innovation and resilience . Although the current financial situation has been devastating in many respects , those companies that survive do so because they are robust enough to diversify , providing different products and services that are required .
 I have my own change to announce , as April is my last month as Editor-in-Chief of Fintech Magazine . I am handing over the reins to the highly capable-Alex Clere , who has been my most excellent wingman for the past 12 months .
 Alex will no doubt bring a refreshing dimension to FinTech Magazine moving forward . Change is healthy and breeds creativity .
 Thank you for all your support , and enjoy this month ’ s issue .
 FINTECH MAGAZINE IS PUBLISHED BY
 JOANNA ENGLAND joanna . england @ bizclikmedia . com © 2023 | ALL RIGHTS RESERVED fintechmagazine . com 7