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Financial Technology (FinTech)

Will Central Bank Digital Currencies Replace Cash — or Are Governments Building the Most Powerful Financial Surveillance Tool in History?

Central banks around the world are exploring digital currencies — but is this a modernization of money or the construction of the most powerful financial surveillance tool governments have ever had? Eswar Prasad, Michael McKee, and Kristin Smith debate what CBDCs actually mean for privacy, freedom, and the future of cash.

July 03, 2026 TheFacturation Editorial
Will Central Bank Digital Currencies Replace Cash — or Are Governments Building the Most Powerful Financial Surveillance Tool in History?

Financial Technology (FinTech)

Is Blockchain Actually Solving Real Financial Problems — or Is It Still Looking for a Use Case That Justifies the Hype?

Blockchain has been the future of finance for nearly a decade now — but is it actually solving problems, or still searching for the use case that justifies all the hype? Laura Shin, Chris Giancarlo, and Cathy Hwang debate whether the technology is delivering on its promises or just running on buzzword momentum.

July 02, 2026 TheFacturation Editorial
Is Blockchain Actually Solving Real Financial Problems — or Is It Still Looking for a Use Case That Justifies the Hype?

Financial Technology (FinTech)

Should You Trust a Robo-Advisor With Your Retirement Money — or Does Algorithmic Investing Break Down Exactly When You Need It Most?

Only 54% of Americans feel prepared for retirement — and robo-advisors promise a low-cost, emotion-free way to invest. Rob Smith, Angela Financial, and Dr. Mark Thompson debate whether algorithmic investing is the smarter long-term play, or whether it breaks down exactly when human judgment matters most: during a crisis.

June 29, 2026 TheFacturation Editorial
Should You Trust a Robo-Advisor With Your Retirement Money — or Does Algorithmic Investing Break Down Exactly When You Need It Most?

Financial Technology (FinTech)

Pitfalls to Avoid in Managing Financial Entities
November 03, 2025
Pitfalls to Avoid in Managing Financial Entities

Financial Technology (FinTech)

The Future of the Digital Dollar and Its Impact on Business
November 03, 2025
The Future of the Digital Dollar and Its Impact on Business

Financial Technology (FinTech)

Tax Optimization Tips for Digital Entrepreneurs
November 03, 2025
Tax Optimization Tips for Digital Entrepreneurs
How TheFacturation Works

Every debate follows the same rigorous format

We don't publish opinion pieces. We take a real financial question, find experts on both sides, and deliver a clear editorial verdict — TheFacturation's Take.

1

The Question

A real financial decision that freelancers and small business owners face, framed as a genuine debate with two defensible positions.

2

The Voices

2–3 named CPAs, tax attorneys, or CFPs present their position with real arguments and data.

3

The Take

TheFacturation synthesizes both sides and delivers a clear editorial conclusion — no fence-sitting.