Future of Fintech

Retail banks hyper-target customers with personalised products and perks. Plus: how AI is cutting the cost of insurance claims; digital upstarts eye US banks’ core services; Singapore takes ‘cutting edge’ stance to expand finance hub; blockchain's failed promise; Islamic fintech pioneers seek growth through creativity.

• Subscribe to our #fintechFT newsletter here

Algorithms promise to cut bureaucracy, yet this could leave insurers more exposed to fraud

Lenders take a lead from subscription services that make recommendations based on user behaviour

Too many projects started with the technology rather than the solution

Monetary Authority chief says city state’s ‘cutting edge’ law balances regulation and innovation

Big banks defend lucrative customer relationships from Silicon Valley and overseas platforms

Many Muslims’ reliance on community offers opportunities including halal robo-advice