Author: Erik Guilfoyle

post-image

Nov, 14 2025

Chaos Engineering in Fintech: Testing Failure Scenarios to Prevent Outages

Erik Guilfoyle

3

Chaos engineering helps fintech companies prevent outages by intentionally breaking systems in controlled ways. Learn how top banks use failure testing to build resilience, reduce downtime, and meet strict regulatory standards.

post-image

Nov, 13 2025

Naked Options Risk: Why Brokers Require Level Approvals

Erik Guilfoyle

4

Naked options carry unlimited risk, which is why brokers require high-level approval and large account balances. Learn why this strategy is restricted, how margin requirements work, and what safer alternatives exist.

post-image

Nov, 11 2025

Advisor Communication Cadence: How Meetings, Reports, and Alerts Build Client Trust

Erik Guilfoyle

3

Financial advisors who use structured communication cadences-regular meetings, personalized reports, and timely alerts-retain 89% of clients. Learn how to build a system that builds trust, reduces attrition, and outperforms robo-advisors.

post-image

Nov, 6 2025

Limited-Time Robo Promotions: Bonuses and Fine Print Explained

Erik Guilfoyle

3

Robo-advisor bonuses look like free money, but they come with strict rules that trap new investors. Learn how to spot the real value - and avoid the hidden costs.

post-image

Nov, 5 2025

Interchange Fees Explained: How Card Costs Affect Merchants

Erik Guilfoyle

4

Interchange fees are the hidden costs merchants pay every time a customer uses a credit or debit card. Learn how these fees work, why they vary so much, and how small businesses can reduce them.

post-image

Nov, 5 2025

NGO Partnerships with Fintechs: How Nonprofits Boost Outreach and Stay Compliant

Erik Guilfoyle

3

NGOs are turning to fintech to speed up donations, stay compliant with financial regulations, and reach more donors. Learn how these partnerships work, what they cost, and what to watch out for.

post-image

Nov, 3 2025

How to Estimate Bond Total Return: Yield, Price Change, and Income

Erik Guilfoyle

4

Learn how to calculate bond total return by combining coupon income, price changes, and reinvestment earnings. Stop relying on yield to maturity-this is what actually determines your real return.

post-image

Oct, 31 2025

Model Governance: How to Validate and Monitor Compliance Models to Avoid Regulatory Penalties

Erik Guilfoyle

4

Learn how to validate and monitor compliance models to avoid regulatory penalties. Understand the six pillars of model governance, real-world examples, and how to build a system that works-without overpaying or overcomplicating it.

post-image

Oct, 31 2025

Asset Allocation Strategy: How to Set Your Stocks-to-Bonds Ratio for Real Life

Erik Guilfoyle

3

Your stocks-to-bonds ratio is the most important decision in investing. Learn how to set it based on your age, risk tolerance, and goals - not outdated rules. Stop guessing. Start building a portfolio that lasts.

Oct, 29 2025

About

Erik Guilfoyle

0

Data-driven insights on stocks, ETFs, crypto, and DeFi. Learn practical strategies to grow digital earnings with unbiased tutorials, platform reviews, and portfolio tools.

Oct, 29 2025

Terms of Service

Erik Guilfoyle

0

Terms of Service for Digital Earnings & Financial Returns Insights (defari.net). Learn the rules for using our data-driven investing blog and disclaimers for informational content.

Oct, 29 2025

CCPA

Erik Guilfoyle

0

Understand your CCPA/CPRA rights regarding personal data collection on defari.net. Learn how to access, delete, or opt-out of sharing of your information as a California resident.

1
2
3