Opinion

Editorial opinions and perspective on Fintech.

Derek Edward Schloss from the Security Token Academy Discusses State of the Tokenization Economy in the US

There is a lot of hype and hyperbole in the digital asset sector when it comes to securities or utility tokens. To date, the talk has far overshot the reality but that doesn’t mean that advocates aren’t on to something. Part of the discussion revolves… Read More

SEC Small Business Capital Formation Advisory Committee Tells Commission to Update Accredited Investor Definition with a Sophistication Qualification

This week, the Securities and Exchange Commission (SEC), Small Business Capital Formation Advisory Committee (SBCFAC), submitted a recommendation to the Commission on the definition of an accredited investor. The SEC will look for guidance from the Committee as it values the feedback of front line… Read More

FinnoSummit Miami – Fintech is Booming in Latin America

Last week, Crowdfund Insider participated in the very first FinnoSummit event (hosted by LendIt) that addressed the Fintech marketplace in Latin America (LATAM). While in past years, much discussion has focused on Fintech in Asia and Europe, it is clear that Fintech is now experiencing… Read More

The Top 5 Crypto and Blockchain Trends to Watch Out for in 2020

After the parabolic bull run of 2017, the last two years were pretty much a bearish phase. New lows were created, bounces and new projects were spread thinly apart.  As we look forward to 2020, expectations of another massive crypto rally, interesting projects and the… Read More

70 Crypto Funds Close Doors as Institutional Interest Fails to Materialize

As the price of Bitcoins sailed parabolically from $3500 USD to $20 000 USD in the latter half of 2017, word on the street was that retail investors should snap up coins quickly before “the institutions” stepped in and ruined the opportunity forever. As mainstream… Read More

Blockchain, A Four-Time Waltz: Bitcoin, Ethereum, Libra & the CBDCs – The Need for a New Balance

We have deliberately chosen to limit our presentation, for pedagogical reasons, to the four fundamental periods represented by the emergence of Bitcoin, Ethereum, Libra and CBDCs (Central Bank Digital Currency) because no other event (derived or similar project) has had such an impact on the… Read More

Report: Traditional Banks Retain Trust, But Challenger Banks Have Charm

A report by global consulting firm AT Kearney recently addressed the emergence of digital challenger banks. Published last week, and authored by Simon Kent and Danil Makarov, the research states that  challenger banks are “already mainstream” and if old school high street banks don’t wake… Read More

Report: the Banque of France will Begin Testing a Central Bank Digital Currency in 2020

The French France

The Banque of France will begin testing a Central Bank Digital Currency (or CBDC) in 2020, according to a report in Les Echos – the leading business publication of France. Quoting François Villeroy de Galhau, the Governor of the Banque of France, who was speaking… Read More

Benoît Cœuré: “The absence of a Schumpeterian process of creative destruction weighs on innovation and growth”

Benoît Cœuré, the outgoing European Central Bank Executive Board Member – and an individual some thought was the best person to lead ECB before Christine Lagarde was selected, has delivered an interesting speech in Brussels lambasting the state of the European Union and the lack… Read More

Citi Ventures MD Ramneek Gupta: “Fintech will soon become a native component of how companies operate”

Innovations in financial services continue to rapidly evolve. Some early leaders have dimmed as markets have changed while new approaches on Fintech have emerged. What is clear to all, the digitization of finance is occurring at a steady pace. Technology is best when it is… Read More

Doug Ellenoff Comments on SEC Concept Release on Regulatory Harmonization: “The SEC has considerable rule making authority to make the changes it believes necessary”

The Securities and Exchange Commission (SEC) announced a significant review of the securities exemption ecosystem in June of this year. During the past few decades, the Commission, with some help from Congress, has updated and added to the many rules that regulate private securities offerings…. Read More

Kelly Loeffler, CEO of Bakkt Digital Asset Exchange, Appointed to US Senate Seat in Georgia [u]

Kelly Loeffler, the CEO of Bakkt – a digital asset exchange and a subsidiary of ICE, has been selected by the Governor of Georgia to fill an open seat in the US Senate. Thank you @GovKemp for this important opportunity to serve our state and… Read More

Report Outlines Ontario’s Policy to Remove Regulatory Burdens in Capital Markets, Boost Fintech Innovation

This week, the Ontario Securities Commission (OSC) published a report on how it intends to dramatically reduce the regulatory burden in Canada’s most economically robust province. The report was completed after a 12 month review period and supported by the Ontario Ministry of Finance. Governments… Read More

US Deputy Secretary of Treasury Muzinich on Fintech: Digital Currencies at Scale Raise Questions About Self-Government

US Deputy Secretary of the Treasury Justin Muzinich delivered a speech this week where he addressed the emerging landscape of digital currencies. Muzinich commented on the “broader innovation trends that are shaping our banking and financial system.” Muzinich said: “While banks today provide a range… Read More

How Can We Reduce Barriers for Access to Capital for Entrepreneurs?

On November 12, the Securities and Exchange Commission (SEC), Small Business Capital Formation Advisory Committee, met in Washington, DC to discuss several important issues that impact small businesses in the US. As one would expect, the discussion included the ongoing challenge of providing access to… Read More

Opinion: Binance Says it Will Sue the Block, the Block Clarifies its Reporting

Crypto centric digital news site The Block is making some news about itself. Last week, the Block reported on an alleged shutdown of a Binance office located in Shanghai. As most crypto followers know, cryptocurrency trading is illegal in China – even while the Chinese… Read More

Bigger is Better: Digital Brokerage Charles Schwab Buys TD Ameritrade for $26 Billion

As predicted last week, online broker Charles Schwab (NYSE:SCHW) has announced the purchase of TD Ameritrade (NASDAQ:AMTD) in a deal worth $26 billion. According to Schwab, the all-stock transaction represents a 17% premium of TD Ameritrade’s average share price as of November 20, 2019. Shares… Read More

Singapore: Blockshow Asia Top 5 Takeaways on Blockchain & Crypto

Singapore at Night Marina Bay

Recently, Blockshow Asia took place in Singapore. While Crowdfund Insider was not able to attend this year’s event, organizers have forward some of the top takeaway items for this year and the following year. Below is a selection of commentary generated by speakers at the… Read More

Glenn Austin: Chief Financial Officer at Dash Core Group Explains Why the Cryptocurrency Is Not Considered a Privacy Coin

We recently caught up with Glenn Austin, the chief financial officer at Dash Core Group (creator of DASH or Digital Cash), a major digital currency platform. Austin, a former VP at Morgan Stanley Investment Management who has worked at other big Wall Street names like… Read More

Bigger is Better or Race to the Bottom? Schwab May Acquire TD Ameritrade

Two titans in the online brokerage space are preparing to merge, according to multiple reports. Schwab and TD Ameritrade are poised to combine operations in a deal that could be finalized as soon as today for an estimated $26 billion purchase. The move to consolidate… Read More

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