fintech

Tech Optimizer
December 12, 2025
Interweb, Inc. has rebranded as Constructive™ as of March 2020, consolidating its projects, LaunchQL and Hyperweb, into a unified Postgres platform. The platform emphasizes strong security and modular architecture, supporting Row-Level Security (RLS) patterns and providing end-to-end testing tools. Constructive features an integrated testing stack built on the pgsql-test engine, allowing teams to validate permissions and enhance reliability in development. Key offerings include modular PostgreSQL building blocks, secure-by-design workflows, and AI-native specification-driven development. The Constructive team has contributed to open-source technology, achieving over 90 million npm downloads and supporting thousands of developers globally.
AppWizard
December 3, 2025
Android is rolling out enhanced scam protection features in the United States to combat sophisticated social engineering tactics. For users on calls with unrecognized numbers, Android 11 and later versions will activate a warning when screen sharing is enabled while accessing banking applications. This warning appears as a pop-up with a red "End call now" button, which also terminates the screen-sharing session. The alert introduces a 30-second delay before users can proceed, disrupting scammers' tactics that create urgency. Earlier this year, this feature was tested in the UK, helping thousands of users avoid financial losses. The initiative is being piloted in the US in collaboration with fintech companies and major banks.
AppWizard
December 3, 2025
Google is expanding its in-call scam protection feature for Android to include various banks and financial applications in the United States. This update supports fintech platforms like Cash App, which has 57 million users, and the JPMorgan Chase mobile banking app, with 50 million downloads on Google Play. The feature, initially launched in May and integrated into Android 16, alerts users when they are using a financial app during a call with an unknown number, warning them that the caller may not be legitimate. The alert remains visible for 30 seconds, allowing users to reassess the situation. The feature is compatible with Android 11 and later versions and was previously tested in the U.K., Brazil, and India. Users are advised to remain vigilant and avoid risky behaviors that could compromise their security.
AppWizard
December 2, 2025
A new Android malware named Albiriox has emerged, marketed as malware-as-a-service (MaaS). It features a hard-coded list of over 400 applications, including banking and cryptocurrency platforms, and is distributed through social engineering tactics using dropper applications. Initially advertised in late September 2025, it became a full MaaS offering by October, with Russian-speaking threat actors behind its development. Albiriox allows remote control of compromised devices via an unencrypted TCP socket connection and Virtual Network Computing (VNC), enabling attackers to extract sensitive information and perform overlay attacks for credential theft. One campaign targeted victims in Austria using German-language lures and counterfeit Google Play Store listings. Albiriox also utilizes Android's accessibility services to bypass security measures and employs a novel distribution strategy involving a counterfeit website that collects phone numbers. Additionally, another Android MaaS tool, RadzaRat, was introduced, masquerading as a file management utility while offering extensive surveillance and remote control capabilities. RadzaRat can log keystrokes and maintain persistence through specific permissions, highlighting a trend in the availability of sophisticated cybercrime tools.
AppWizard
December 1, 2025
By February 2026, India's telecom authority will implement a SIM binding policy requiring users to continuously verify their registered SIM cards for messaging applications like WhatsApp to combat cyber fraud. Users will be logged out of web versions of these apps after six hours, necessitating re-authentication via QR code. Messaging platforms have a 90-day period to comply with this requirement, which means apps will stop functioning if the registered SIM is removed. The new regulations classify these platforms as Telecommunication Identifier User Entities (TIUEs), expanding regulatory oversight. Challenges may arise for travelers and multi-device users, as they may face difficulties maintaining access to services. Critics, including industry insiders, question the feasibility and effectiveness of the policy, calling it problematic and an overreach. Messaging platforms must comply by early 2026 to avoid regulatory consequences.
AppWizard
September 18, 2025
Kakao Corp. is enhancing KakaoTalk, a messaging application used by over 90% of South Korea's 50 million residents, into an AI-driven super app through a partnership with OpenAI. They plan to integrate ChatGPT and their own large language model into KakaoTalk and Kanana, their new messenger with a conversational AI agent. Kakao aims to transform its messaging platform into a comprehensive app that includes messaging, payments, shopping, and other services. Competitors like WhatsApp, WeChat, and Line are also incorporating AI to enhance their platforms. Tencent has added its chatbot Yuanbao to WeChat, while Meta has introduced an AI chatbot for WhatsApp, and Line has launched its own AI assistant based on ChatGPT. Other Korean companies like Viva Republica and Coupang are expanding their services to include messaging and AI functionalities. The competition for super-app dominance is increasing as these advancements in AI are adopted.
AppWizard
September 13, 2025
The Central Bank of Egypt (CBE) is collaborating with local banks to introduce card tokenization services for mobile applications on Android devices, following a similar launch on Apple Pay. This initiative involves partnerships with Visa, Mastercard, and Egypt’s national payment system, Meeza, to enhance digital financial transactions and consumer confidence. As of December 2024, there are over 41.5 million Meeza national cards and 50.4 million mobile wallet accounts, which facilitated 1.1 billion transactions totaling EGP 1.54 trillion in the latter half of 2024. The CBE is also upgrading Egypt’s instant payments network, InstaPay, to improve user experience and efficiency.
AppWizard
September 12, 2025
AT&T is collaborating with Gigs, a Mobile Virtual Network Enabler (MVNE), to integrate prepaid services into existing applications and platforms, allowing companies to offer mobile services without creating a standalone brand. Early adopters include fintech companies like Klarna and OnePay. Gigs-powered services can openly advertise their use of AT&T’s network, contrasting with traditional prepaid brands that often obscure their network affiliations. This initiative reflects a trend among major carriers to enable independent companies to launch wireless offerings, following T-Mobile's "Your Name, Our Wireless" program. AT&T's VP suggests that telecommunications and consumer technology will converge, allowing mobile plans to be managed within various applications. However, there are concerns about customer service quality in an app-driven model, particularly for less tech-savvy users.
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