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Civilisation organises itself around the transaction point, and has done so since the beginning of recorded human history. In Sumer, the earliest identified society, transactions were conducted using grain as the building block of early currency. Later on, this became diversified in commodities ranging from precious metals to salt and cowry shells, and finally led to what we use today: coins, paper, and digital currencies. The need to supply a method to pay for and enact transactions is a need that has striated throughout human history, and regardless of what the form takes, payment for services rendered is still an underpinning requirement for modern business.

Identifying the way these transactions evolve is the driving force behind innovation in the financial sector – and when it all comes down to it, it is a very simple force to understand providing that one monitors consumers, and the way the adaptive technology that has permeated their lives has affected the way they behave. Markets are pushed and changed by developing consumer needs; those developing consumer needs then lead to other changes, and so the circle of innovation and change continues unabated.

Today, transactions enacted with immediacy, security, and convenience are a top priority for consumers. With businesses globalising their reach and their workforce, enacting transactions with speed and efficiency is a key component that determines which payment provider is selected among the dozens that offer similar services.

This development was spurred into faster evolution by the grinding halt that afflicted many businesses during the COVID-19 lockdowns. To be able to send money effortlessly and quickly, and have it received by the payee, allowed for a faster-flowing transactional system, and once the threat of infection diminished and businesses opened up their doors, the older ways of transactions had already been unseated from their point of power.

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However, we were always going to end up in this state of being. By their nature, consumers are curious, perpetually seeking out a better and faster way of performing every action, from their hobbies to paying for the latest issue of their favourite magazine, and it is only natural that that which makes it possible is also caught up in the same innovative wave that every other aspect of their lives has undertaken.

As a payment provider, understanding the way these innovations work is key to creating the systems that have now become synonymous with  modern society. Money, currency, transactions: it is all just human nature, and addressing the need for the consumer, rather than the need for a product, allows us to work within a reasonable scope of expectation.

We know as both a business and consumers that the fundamental act of transaction has already been created; it is now only there to improve upon and innovate.

Our products are ultimately devised to act on that innovation. We strive to make money accessible to those who are not eligible for traditional fiat services, and to allow for the freedom of movement that today has become the norm. Nomadic workers, travellers, small businesses that have global storefronts: your neighbours, your family, your friends.

It is why we, as a business, look at human interaction, why we endeavour to make our products easy to use, and why the business of finance is a human business at its core.

The roadmap that drives FIL forward is one paved on human intention.

Everyone can be a merchant. Everyone can have a product they wish to sell or one they wish to purchase. Everyone can benefit from being able to transact business at any point, any place, and with any one.

What doesn’t change is the act of transaction itself.

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