Saad Ghazal

Superapps did not simply appear through clever design or flashy branding. Behind every WeChat, Grab, or Rappi sits a long chain of strategic decisions, financial bets, regulatory tensions, and national conditions that either unlock or restrict growth. I wanted to understand this journey at scale. Not through anecdotal stories or theoretical claims, but through evidence. So I carried out a mixed methods study that combined a global case analysis with a dataset of more than 63,000 digital...

Banking-as-a-Service (BaaS) is often explained in technical terms — APIs, compliance layers, infrastructure. But I wanted to visualise it in a way that makes it easier to grasp. Best way is through a LEGO-style model 🏗️ to show how the BaaS ecosystem stacks up: 🧩 Licensed banks form the base: providing the foundation of regulation, security, and trust. 🧩 BaaS platforms turn complex banking capabilities into simple, reusable building blocks through APIs. 🧩 Brands and fintechs build on top:...