Digital Earnings & Financial Returns Insights

Author: Erik Guilfoyle - Page 2

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Nov, 5 2025

Interchange Fees Explained: How Card Costs Affect Merchants

Erik Guilfoyle
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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.
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Nov, 5 2025

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

Erik Guilfoyle
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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.
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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.
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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.
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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 Learn how to set it based on your age, risk tolerance, and goals - not outdated rules.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.
Oct, 29 2025

Contact Us

Erik Guilfoyle
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Contact Digital Earnings & Financial Returns Insights for questions, feedback, or collaboration. Get data-driven investing insights on stocks, crypto, ETFs, and DeFi.
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Oct, 29 2025

Screen Scraping Sunset: Why Secure APIs Are Replacing Login-Based Data Access

Erik Guilfoyle
3
Screen scraping is being phased out in favor of secure APIs for financial data access. Learn why open banking standards are replacing risky login-sharing methods and how to transition safely.
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Oct, 29 2025

Platform vs. Product: How Fintech Companies Choose Their Growth Path

Erik Guilfoyle
4
Fintech companies must choose between building a focused product or a scalable platform. This guide breaks down the trade-offs in cost, regulation, growth, and user experience to help founders make the right strategic call.
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Oct, 19 2025

Agri-Fintech: How Insurance and Credit Are Changing Life for Smallholder Farmers

Erik Guilfoyle
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Agri-fintech is bringing affordable credit and fast insurance to smallholder farmers using mobile tech, satellite data, and harvest-based loans. Learn how it works, where it succeeds, and why it matters for global food security.

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