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32 Results

1. Banking Without Banks: What Africa Can Teach the U.S. About Financial Access

   Africa’s fintech innovations, including Ghana’s digital onboarding, Nigeria’s collaborative fintech ecosystem, and Kenya’s mobile money success, show how accessibility-first financial systems can dramatically expand financial inclusion and economic opportunity.

   Casey Diké

   Jun 25, 2026 5 min read
   

2. Why Campuses are Becoming Testbeds for Digital Finance

   Universities like Bowie State University are becoming key testing grounds for inclusive digital finance, where students with lived experience of financial exclusion help design more equitable systems. Its partnership with the Interledger Foundation shows how education and community engagement can shape the future of accessible financial infrastructure.

   Dr. Andrew Mangle

   May 28, 2026 8 min read
   

3. You Don’t Need 3 Apps to Pay Your Friends: Why U.S. Payments Feel Broken

   U.S. digital payments feel fragmented because apps don’t interoperate, forcing users to juggle multiple platforms.

   Casey Ariel Diké

   Apr 22, 2026 4 min read
   

4. Why We Weighed In on the Federal Reserve’s Payment Account Proposal

   Interledger Foundation advocates for inclusive, secure, and low-cost direct Fed payment access for non-banks.

   Ayden Férdeline

   Mar 18, 2026 5 min read
   

5. Africa Doesn't Have a Payments Technology Problem. It Has a Business Model Problem.

   Africa’s payment systems struggle not because of missing technology but because of flawed business models and commercial design. To achieve adoption, systems must prioritize free P2P transfers, better accessibility, and simple proxy-based addressing, alongside regulatory reforms that overcome incumbent resistance.

   Arunjay Katakam

   Mar 13, 2026 4 min read
   

6. The Web Isn’t Free

   The internet isn’t truly free: we “pay” with our time, attention, and data, which fuel platforms designed to capture and manipulate us. Alternatives like Web Monetization aim to restore privacy, fairness, and control by letting users directly support creators.

   Sabine Schaller

   Feb 23, 2026 5 min read
   

7. What’s Happened in December

   As we come to the end of the year and review the past 2 months, we see that we have continued to make a significant impact in helping to close the financial exclusion gap worldwide. The surge in digital financial services is a major enabler as we continue to adopt services such as mobile banking, mobile money accounts, internet banking, and digital payments. Many have called this period a breakthrough moment for financial inclusion.

   Dec 11, 2025 3 min read
   

8. Open by Design: Confronting Harmful Patterns in Digital Finance

   Interledger Ambassador Caroline Sinders warns that harmful or manipulative design patterns in digital finance can exploit vulnerable users and undermine trust, calling for transparent, user-centered, and inclusive design standards to ensure ethical financial technology.

   Oct 6, 2025 5 min read
   

9. Reimagining e-commerce and social media

   ILF Ambassador Gavin Chait envisions a federated, community-led e-commerce model through Hop Sauna that empowers creators with autonomy, inclusivity, and interoperable payments—reimagining online commerce and social media as decentralized and equitable spaces.

   Oct 6, 2025 4 min read
   

10. The Multiple Sides of Friction: The Good, the Bad, and the How to Use it

    The article highlights how friction in design can harm users when misused but also enhance safety, consent, and reflection when applied thoughtfully. Used well, it becomes a valuable tool for protecting user agency and trust, especially in financial and sensitive digital products.

    Caroline Sinders

    Sep 4, 2025 11 min read