Tagged: perspective

Renaud Laplanche Plans Upgrade Banking, Comments on Fintech’s Performance During COVID-19 Challenge

Upgrade is a consumer online lender and emerging digital bank that recently announced a significant funding round that gave the Fintech a $1 billion valuation. Founded by Renaud Laplanche, this is the second Fintech he has founded that moved into the unicorn realm the first… Read More

UK Stamp Duty Cut by HM Treasury, CEO of Assetz Capital Stuart Law Comments on Move

In a speech today entitled “Plan for Jobs” by the Chancellor of the Exchequer Rishi Sunak, he announced the elimination of the Stamp Duty at a certain threshold in a move to improve the UK housing market. The Chancellor explained: “… to catalyse the housing… Read More

Insurtech: Getsafe CEO Christian Wiens Comments on Lemonade IPO, European Insurance Market

Last week, well-known Insurtech Lemonade (NYSE:LMND) launched an initial public offering (IPO) on the New York Stock Exchange. Shares listed at $29 but quickly moved higher closing over $60/share – a significant move. Today, Lemonade traded at around $80 a share giving the young firm… Read More

Bank of the Future: How Banks and Fintechs Are This Decade’s Unlikely Duo

Rewind the clock 35 years ago today and cinemas were opening for the first time to the iconic time-traveling antics of Back to the Future. Looking at Doc and Marty and knowing their contrasting personalities – one an eccentric inventor and one a streetwise kid… Read More

LendInvest Founder Christian Faes Discusses Digital Finance Forum, COVID Impact on Fintech

LendInvest is one of the most successful Fintechs in the UK. The digital marketplace for property finance has long been profitable – not a common characteristic in the early-stage sector including Fintech. It has been rumoured for some time now that LendInvest is a likely… Read More

Perspective: Encourage Affordable Housing through “Community Investor” Crowdfunding Rules

Incentivize Affordable Housing through Crowdfunding Liberalization for Community Investors In recent decades, increases in urban employment and population have outpaced residential development in U.S. cities. Nationwide, from 1974 through 2008, the number of new homes exceeded the number of new households. But since 2009, the… Read More

Perspective: Should Workers Shoulder the Burden of this Crisis? Only When They Get to Share in Later Benefits

Bernhoven Hospital was on the frontlines as the first Dutch cases of COVID-19 surfaced in the southern province of Brabant. The hospital made positive headlines due to its warm relationships with staff and local residents. This is one of the main reasons the health care… Read More

SeedInvest: It is imperative that the SEC increase the annual offering limit on Reg CF to $5 million

SeedInvest, a leading investment crowdfunding platform operating in the US, recently published a letter addressed to the Securities and Exchange Commission (SEC), an agency that is in the midst of a regulatory review regarding the exempt offering ecosystm. The SEC has proposed multiple rule changes… Read More

COVID-19, 5G and the Evolution of Contactless Payments

The U.S. payments landscape has faced several hurdles when it comes to contactless adoption. But while the growth of contactless payments in the country has been slow, it is expected to gain increased traction through 2020 due to the proliferation of contactless-capable point of sale… Read More

SEC Small Business Committee Tells Commission to Raise Reg CF Cap, Reg A+ Too

In May, the Securities and Exchange Commission (SEC) Small Business Capital Formation Advisory Committee met to discuss pending decisions by the SEC regarding an update to the exempt offering ecosystem. The SEC Small Business Capital Formation Advisory Committee was established by the SEC Small Business… Read More

Fintech versus Traditional Banking

    The financial services competitive landscape has evolved in recent years and it’s clear that fintechs have certainly disrupted traditional banks. Fintechs include any financial tech company that serves any of the following areas; lending, blockchain, Regtech, personal finance, payments and billing, insurance, capital… Read More

As of May 31st, 464 Early Stage Firms Had Applied for the Future Fund

The Future Fund, a UK government initiative to support startups and early-stage ventures – many of which are not profitable, reported 464 applications for the program as of May 31st. As part of a weekly update, HM Treasury quantified the number of applicants – a… Read More

Controlling What You Reveal: How Zero Knowledge Proofs are Changing How We Spend the Currency We Now Call Data

When you go to a bar and give your ID to the bartender, do you ever think about how much you’re giving away? Let’s say you use your driving license as your ID; you’re letting the bartender know that you’re not underage, but you’re also… Read More

Four Reasons Why Digital Security (Security Token) Liquidity Has Lagged

How fundamental misunderstandings about the function, behavior, and purpose of digital securities have stymied the path to liquidity — but there is hope… We’re nearly 18 months into the digital security (security token) market and it’s fair to say that meaningful liquidity hasn’t yet materialized…. Read More

Report Wags Finger at Insider Share Sales at Digital Bank Monzo

Monzo is one of the top digital banks in the UK that is seeking to challenge old brick and mortar banks in Europe and elsewhere including the USA. The past few months of operations have not been without a few bumps as Monzo has seen… Read More

Will UK Government Deliver on Its Promise with CBILS 2.0 Stalled and the Bounce Back Loan Bubble Now Burst?

Some people in government here are talking as if the crisis is over, and that they’ve done all they can for businesses. There are worrying signs that the initial good intentions are fading and that the temptation to manage the numbers and the messages rather… Read More

Lendit Fintech Digital – First Impressions

Hello everyone, my last series on the Latin American Fintech revolution was inspired by LendIt Latam conference hosted in Miami back at the beginning of 2020. The Fintech world was abuzz with new ideas, innovation, and of course new territories to explore. Fast forward four… Read More

Former SEC Enforcement Attorney Philip Moustakis Comments on Telegram Decision to Abandon Token Offering: Facts & Circumstances Rule

Earlier this week, it was reported that Telegram has decided to abandon its initiative to launch a blockchain platform called TON (Telegram Open Network) and a cryptocurrency named Gram. The decision was the direct result of an ongoing enforcement action launched by the US Securities… Read More

How Fintechs are Helping Businesses in Latin America Deal with COVID-19

The first case of Covid-19 in Latin America was diagnosed in Brazil at the end of February. Since then, the number of cases has soared into the thousands in at least 20 countries. In response, many countries have implemented strict social distancing policies, requiring businesses… Read More

Transparency, Interoperability and Systemic Risk Considerations for CBDCs

In the wake of the announcements of Facebook’s Libra and the Chinese government’s intention to have a Central Bank Digital Currency (CBDC), the topic of CBDCs as a new component of a country’s legal tender has become popular with governments and commentators. The basic idea… Read More

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