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Financial Innovation Now: Big Tech Educates Policy Makers on Benefits of Fintech

Fintech Apple Google Amazon PayPal Intuit

Apple, Google, Amazon, PayPal & Intuit Provide the Firepower Behind Fintech Advocacy Group Financial Innovation Now. Back in the fall of 2015, an announcement was made regarding the creation of a new public policy coalition representing some of the largest names in tech: Apple, Google,… Read More

Monetary Authority of Singapore Opens Fintech Innovation Lab

Singapore Fintech iPhone Asia

The Monetary Authority of Singapore (MAS) has opened its Fintech Innovation Lab which has been given the name Looking Glass @MAS.  The reference to the Looking Glass is a nod to Lewis Caroll’s classic novel “Through the Looking Glass and What Alice Found in There”…. Read More

LendIt Founder Slaps Down Bloomberg Article on Lending Club “Shady Loans”

Peter Renton LenditUSA 2016

Peter Renton, founder of LendIt and online lending industry advocate, has take to the pages of Lend Academy to defend Lending Club (NYSE:LC) following a critical article by BloombergBusinessweek. The Bloomberg article, co-authored by Max Chafkin and Noah Buhayar, hammered Lending Club by questioning the… Read More

CCA Provides Reg CF Perspective for First 3 Months

Reg CF Title III

Crowdfund Capital Advisors (CCA), along with the help of Crowdnetic, has added some detail to the first 3 months of Reg CF / Title III retail crowdfunding.  CCA describes the progress as a “healthy start”.  Reg CF, a securities exemption that lets small issuers raise… Read More

Q&A: Kabbage CEO & Co-Founder Rob Frohwein, Originating $2B Loans & Growing

growing-cabbage-vegitable green grow

Before founding Kabbage, Rob Frohwein established, led and advised a number of successful businesses, including LAVA Group, U.S. Micro Corporation and Surgical Biologics. Additionally, he served in business development and legal capacities for ZapMedia and Security First Network Bank. The Villanova law and undergrad alum… Read More

Oppo Ice Cream Shares Path to Crowdfunding & Business Success

Oppo Ice Cream

  Oppo Ice cream is a bit like the Holy Grail of food: Ice cream that tastes great, is low calorie and is good for you.  The creation of two brothers, Charlie and Harry Thuillier, the duo were exposed to many different natural foods while… Read More

That Italian Cool & Crowdfunding Opportunity

Italy Tuscany Statue

  The memory of Rockin1000’s spectacular performance of “Learning to Fly” and the gathering of one thousand musicians in Cesena, Italy is still fresh. Moreover, as the Biggest Rock Band on Earth pushes through with follow-up events, the spirit of collaboration – and collaborative economics… Read More

SeedUps CEO Sandi Gilbert on Canada Crowdfunding Regulations: “It’s a Mess”

Canada Sign Post Provinces Cottage Life

  A few weeks back Crowdfund Insider published an article on the regulatory environment in Canada that labeled new crowdfunding securities exemptions as “Dead in the Water“.  In brief, regulators in multiple provinces have enacted rules that were ostensibly created to foster entrepreneurship and access… Read More

India Official: Banking is Necessary. Banks are Not

Dinosaur Bank

In Mumbai this week there was an annual banking conference where Indian government officials presented or participated. The Hindu interviewed Reserve Bank of India Deputy Governor R Gandhi and he made several interesting statements. According to Gandhi; “Banking is necessary, but banks are not adding…… Read More

The Ultimate Guide to Marketing an Equity Crowdfunding Campaign

Enticing the Crowd Concert

  As part of an upcoming book on equity crowdfunding, I have asked past campaigns about their very best marketing tactics. They have used these exact strategies to raise millions of dollars, pounds and euros! In this article, I have distilled their advice into these… Read More

United Overseas Bank Trains Bankers on Alternative Finance as Partner OurCrowd Receives License in Singapore

UOB Training Bankers in Alternative Finance

United Overseas Bank (UOB) is determined not to be just an observer in the Fintech revolution. UOB has recently begun conducting training sessions with over 100 bankers to update and educate them on alternative finance.  UOB wants its management to be well-versed in the most… Read More

Is Reg A+ Crowdfunding Right for Your Business?

Bulls Eye Sketch Target Darts UK US

I read an article in WIRED the other day about the LaFerrari, the world’s most coveted supercar, and one particular sentence stuck out. As writer Jordan Golson plainly stated, “When it comes to this car, you don’t choose Ferrari. Ferrari chooses you.” Well, ladies and… Read More

Using Reg A+, eREITs Have Now Raised Over $70 Million on Fundrise

New York City Construction Real Estate

In December of 2015 Fundrise, a trailblazer in the real estate crowdfunding sector, made a dramatic strategic shift. The platform decided to leverage Title IV of the JOBS Act, otherwise known as Reg A+, to create a fund of diversified real estate assets they labeled… Read More

Apple, Google, Amazon: Current Regulatory Requirements Protect Incumbents from Fintech Competitors

Apple Will You Be My Bank

In November of 2015, a group of well-known tech names banded together to create a new lobbying entity to lobby Capitol Hill on Fintech and financial regulations. Financial Innovation Now is a unique alliance of Apple, Google, Amazon, Intuit and Paypal joining in one specific… Read More

Regulation Crowdfunding Investor Commitments Surpasses $5M in Under Three Months

Reg CF Growth August 2016

Within its first three months, Regulation Crowdfunding investor commitments for campaigns that have met their minimum funding goals have surpassed $5 million, as reported by NextGen Crowdfunding. Regulation Crowdfunding, also known as Title III or Reg CF for short, enables companies to raise up to… Read More

White Label Crowdfunding 101: Part I – Pros & Cons

Crowdfunding 101 Start a Platform White Label

So you want to start a Crowdfunding Portal…. Crowdfunding and Fintech in general are demonstrating dramatic growth due to many factors including the growth of the sharing economy, technology innovations and the liberalization of securities regulations in the US and Canada. A sure indicator of… Read More

The Top Regulatory Mistakes Being Made by Issuers & Crowdfunding Platforms

Train Wreck Demise Collapse Disaster

General solicitation is growing for securities offerings conducted under Rule 506(c) and Reg A+ Tier II in the US.  A more limited form of general solicitation is also available to issuers participating in offerings pursuant to Title III of the JOBS Act (Crowdfunding).  Issuers may… Read More

FCA Chief Told Parliament Committee Crowdfunding is Too Small to Be Systemically Important

Back to School Education Learning Teaching

Financial Conduct Authority (FCA) Chief Executive Andrew Bailey gave a Parliament Treasury Committee a crash course on Crowdfunding 101 this past June.  The letter by Bailey was recently posted on the Treasury Committee website, along with a statement from Andrew Tyrie MP, Chairman of the Committee,… Read More

Final Report by CMA on Retail Banking Requires Banks to Implement Open Banking by 2018

UK Fintech Money iPhone

“CMA Sticks to its Guns” The Competition and Markets Authority (CMA) has published its final report on the UK retail banking sector. The government initiative has concluded that highstreet banks do not compete enough for customers’ business. Simultaneously, challenger banks find it difficult to compete… Read More