In 2012 the Jumpstart Our Business Startups (JOBS) Act was signed into law by President Barack Obama. It required the SEC to write rules and issue studies on capital formation, disclosure, and registration requirements. There were three main areas that the investment community took notice… Read More
Last month, CI covered the Cambridge Centre for Alternative Finance (CCAF) Americas Report. Overall, alternative finance grew 26% with the US dominating the sector as the largest market in the region. But digging into Latin America and the Caribbean (LAC), this market grew by a huge 94%… Read More
While most people were busy with last minute Christmas shopping, on December 20th of last year, Representatives Warren Davidson and Darren Soto were busy finalizing and introducing the proposed new “Token Taxonomy Act” (HR 7356). The proposed Token Taxonomy Act seeks to modify both existing… Read More
Are stablecoins the future of cryptoassets? In the quest to develop a digital token with the decentralization aspects of bitcoin and none of the associated volatility has sparked interest from many. From talented tech teams, economists and VCs it seems stablecoin projects have the potential… Read More
Technology has infiltrated our lives, and the wave of digital disruption has impacted various industries. The finance sector is no exception. Since the industry is becoming more complex, relying on traditional methods is no longer enough. In fact, it can do your business more harm… Read More
Arnold Kling, an economist and adjunct scholar at the Libertarian think tank The Cato Institute, has blogged his reflections on a recent interview with blockchain proponents and tech VCs Andreessen-Horowitz (A-H). Like A-H, Kling was around during the Internet’s nascent phase and made money from… Read More
Fintech Predictions for 2019. Financial innovation continues to evolve at a rapid pace. Startups launch and shutdown with regularity. Traditional financial firms experiment and partner with more agile firms. It’s all about the digitization of finance where services are ubiquitous and instantaneous – all available… Read More
This past week, global consultancy firm McKinsey published a widely read report on the emerging blockchain industry, titled, Blockchain’s Occam problem. In brief, McKinsey said that blockchain is failing to live up to its perceived potential. While billions of dollars are being spent on experimentation… Read More
Initial Coin Offerings (ICOs) are booming in offshore financial centres. In 2017, only a small minority of cryptocurrency transactions were taking place offshore but just a year later, according to a study by PriceWaterhouseCoopers and CryptoValley, the Cayman Islands, British Virgin Islands (BVI) and Singapore… Read More
The President of the Chartered Financial Analyst Institute, Paul Smith, has taken to the media to call out shrinking IPO markets in the US and call for the restoration of fair and secure investment opportunities for retirement savers. Smith points at “alarming changes” in US… Read More
Management consultancy McKinsey & Company have published an elegant analysis of enterprise blockchain called “Blockchain’s Occam,” stating: “A key to finding the value is to apply the technology only when it is the simplest solution available.” Blockchain has been touted as a revolutionary technology capable… Read More
As we head into a market correction, 2019 and beyond will be very interesting for the evolving Fintech industry. This sector of finance saw significant M&A activity and massive fundraising during the 2nd half of 2018 and I predict that we will see more of… Read More
EY has published their second annual “Fast Growth Tracker” report that surveys founders and entrepreneurs in the UK. The brief report provides an interesting perspective into the UK innovation economy that is vital to economic growth and prosperity. An interesting finding from the report is… Read More
Equity crowdfunding platforms have democratized the way that individuals and organizations raise and invest capital, by lowering the previously high barrier to entry for investment. And, ever since these platforms emerged, expectations have been high about the effects that this new utilitarian form of investment… Read More
This week, CI reported about a problem for Regulation A issuers (or Reg A+ as it is called). Speaking with Mark Elenowitz, a Wall Street veteran and CEO of Tripoint Global and Bank, he explained a nagging problem for issuers using the security exemption who… Read More
Blockchain or distributed ledger technology (DLT) has been a red-hot topic in the financial services industry the past few years. The one-two punch of Bitcoin excitement and the Ethereum fueled revelation of smart contracts and decentralization, caused many to label blockchain internet 3.0. But is… Read More
This summer, with little fanfare, the North American Securities Administrators Association (NASAA) announced some interesting and, in our view, directionally enlightened ideas on potential changes to state securities laws as they relate to secondary market trading. If you aren’t familiar with NASAA, it is a… Read More
The European Crowdfunding Network (ECN) has just published an Open Letter directed towards EU member states and the ongoing debate regarding pan-European crowdfunding rules. Proposed rules would impact, and perhaps improve, the marketplace for both debt and equity crowdfunding. The ECN believes the European Crowdfunding… Read More
Yesterday, CI reported that Fintech Robinhood had partnered with another firm to provide checking and savings accounts with a 3% annual interest. That, in itself, is pretty amazing as traditional banks are in the habit of not paying any interest at all in real terms… Read More
Recently, the Securities and Exchange Commission (SEC) has been actively pursuing all players in the initial coin offering (ICO) space, including companies that have raised money with ICOs, an exchange, people promoting ICOs, and most recently, an ICO investment fund. The SEC’s recent actions are… Read More
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