Banking, at its core, is a simple concept; however, today, it is a technological marvel. From business banking to consumer fintechs, it is awash in innovation. Artificial intelligence (AI), or its programmed and non-autonomous cousin, machine learning, are areas of particular promise.

With banks driving digital for the past two years, 2022 is set to be the year of sustainability. Given the shift in public awareness towards climate change and ESG initiatives, it's becoming more important for consumers to support companies they view as proactive in combating environmental and societal issues.

The world is now coming to terms with hugely disrupted supply chains, with new and increasing fears of just how fragile and wasteful the global manufacturing and distribution networks are.

At the end of 2020, international analyst house Gartner found that some 23% of organisations rely on supplier finance as a means of increasing cash flow.

Let's talk about the financial revolution that has already taken consumers by storm — embedded finance.

As we move into 2022 and the fintech industry continues to grow, we see several trends that will help drive lending and disrupt the SME lending market.