Opinion

Editorial opinions and perspective on Fintech.

Startup Grind: Fail to Succeed in Silicon Valley

“Nobody wants to fail,” said the chief executive and founder of Fail Forward, Ashley Good, in a New York Times story on failure in Silicon Valley, published last fall. “It’s awful. You will never hear me say to celebrate failure.” But, Good, added, “failing intelligently is an increasingly… Read More

The JOBS Act, Crowdfinance & Building Social Consensus: Are Investors Unnecessarily at Risk?

Is the JOBS Act Title II ecosystem being built around the art of the “con” by some Internet funding platforms and companies raising money on these platforms?  The answer seems to be yes, judging by investment advice provided by Morningstar, FINRA, psychologists, and business world… Read More

Lock it up: SEC & FINRA Weigh in on Cybersecurity Issues

Early in 2014, the U.S. Securities and Exchange Commission’s Office of Compliance Inspections and Examinations (OCIE) announced its intention to conduct an examination of certain registered broker-dealers and investment advisers in order to assess the general vulnerability of the securities industry, as a whole, to cyber-attacks…. Read More

Commissioner Aguilar Sets Goals: “The Commission Should Adopt Final Rules..”

While SEC Chair presented a state of SEC type presentation, Commissioner Aguilar has jumped in and put some more meat on the bones.  Speaking at the annual Practicing Law Institute gathering, Aguilar set forth his perceived goals for the SEC for 2015. While touching base… Read More

Mary Jo White: “This year, we will be focused on implementing the final two major mandates of the JOBS Act”

SEC Chair Mary Jo White addressed the Practicing Law Institute in DC this morning and it appears that most of the big shots at the SEC are sharing their wisdom as well today. Following opening remarks by Andrew Ceresny, the Director of SEC Enforcement and Keith… Read More

The CNBC Crowdfinance 50 Index: When an Investor “Commitment” is Just a Kiss 

  In July 2013 the SEC implemented Title II of the JOBS Act of 2012 through Rule 506(c) of Regulation D, which for the first time in over 80 years allowed companies to engage in general solicitation of investors in an unregistered private placement so… Read More

Interview: Investor & Cambridge Research Fellow Robert Wardrop Elucidates Alternative Finance’s Complexities and Societal Differences’ Effect on Markets

Interested in innovation, both in the finance industry and in the broader economy, Robert Wardrop began his career at Procter & Gamble before moving on to the Anschutz Investment Company and later to DAM Capital. The seasoned entrepreneur presently serves as a Non Executive Director at… Read More

Interview: Christin Friedrich Curates German Crowdfunding Innovation, Knowledge and Capital at Innovestment

Christin Friedrich serves as the Managing Director of Innovestment GmbH, a crowdfunding venture which began four years ago.  After studying Public Management and Governance at Zeppelin University, Friedrich sought creative solutions and innovative business ideas in several international projects, including a tourism startup in Iceland  and group for young… Read More

Crowdcube’s Luke Lang in Agreement with FCA Recent Regulatory Review

Last week Crowdfund Insider published a write up on the regulatory review completed by the Financial Conduct Authority (FCA) in the United Kingdom. At that time Crowdfund Insider quoted the FCA document that summed things up: “We have seen the crowdfunding market continue to grow rapidly. We recognise that it is… Read More

Lawsuit against Crowdfunding Platforms Signals the Urgent Need for Patent Reform

Crowdfunding platforms just became the latest target for patent trolls – entities that purchase patents, not to produce any goods or services, but to threaten and file infringement suits and attempt to collect licensing fees. Take the case of AlphaCap Ventures, LLC, a company that… Read More

Crowd Investors Corner: Become a Player

It’s that time of the week where Crowd Investors Corner serves up another due diligence tip in hopes of helping a new breed of retail investors, known as investumers, make more informed investment decisions. Today’s suggestion is sprinkled with fun as it entails channeling one’s inner… Read More

Bond Street Co-Founder & CEO David Haber Aims to Be the Financial Advocate for Every Business Owner

  David Haber is the co-founder, CEO and visionary behind Bond Street, an online lender that empowers small businesses by providing financing in a simple, transparent and fair way. Haber leads Bond Street’s overall company vision, strategy, fundraising and business development functions. Through Bond Street, Haber aims to… Read More

FCA: No Rebuke to Crowdfunding Industry

Earlier this week Crowdfund Insider published a write up on the regulatory review completed by the Financial Conduct Authority (FCA) in the United Kingdom. At that time we quoted the FCA document that summed things up by saying; “We have seen the crowdfunding market continue to grow… Read More

The End of P2P Lending as We Know It? Or an Exciting New Phase? Industry Pushes to Become “Marketplace Lending”

Reading the FT’s recent (29th January) piece by Tracy Alloway and Emma Dunkley entitled ‘Rebranded P2P revolutionaries form ties with traditional lenders’, my initial reaction was to be rather saddened that some of the biggest names in the alternative lending market of which we’re a… Read More

Interview: Marcus New, Founder and Chief Entrepreneur of InvestX Seeks to Own the Private Equity Asset

Marcus New, the Founder and Chief Entrepreneur of InvestX, is an experienced entrepreneur; he founded and served as chairman (and previously the CEO) of Stockhouse, Canada’s leading financial community and a global hub for affluent investors, with up to 1 million unique monthly visitors. Prior to… Read More

Rebuke FT? What’s Your Beef with Alternative Finance?

I’m no lawyer but if it were about a firm or an individual I think it would probably be a libel to re-characterise the content of yesterday’s FCA report and their comments on Equity Crowdfunding as either a ‘rebuke’ or a ‘crackdown’. This is deeply… Read More

One Month into 2015: Die, Survive or Thrive? What Platforms Will Be The Winners of 2015?

One month into 2015 and we’ve seen a lot of predictions being made.  But what is much harder to predict than exponential growth, is a selection of crowdfunding platforms that will be the winners of 2015! What are the platforms that we’ll have to watch… Read More

Beauhurst: Crowdfunders Crowd Out Angel Investors

  Is crowdfunding the new power tool for Angel investors in disguise? I cannot answer that question but research firm Beauhurst has published its report on the UK equity market and according to their authors the biggest story of 2014 was the rise of crowdfunding… Read More

SharkTank Hammers Aspiring Real Estate Crowdfunding Site. Kevin O’Leary Says “I Smell Jail Time” (Video)

Tycoon, a new real estate crowdfunding platform, hit the studios of SharkTank to pitch the young platform to the “Sharks”.  The entrepreneur may regret this decision as Mark Cuban declared “I am out” in less than 60 seconds.  Cuban goes on to call it a “rip… Read More

Super Bowl Sunday: Orchard Predicts Game Outcome Using P2P Lending Data

With the big game this weekend, all eyes are on New England and Washington. Sure, most people are focused on the players, the coaches, and the inflation of the balls, but we thought we would look at the 12th man in terms of their performance… Read More

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