Tagged: perspective

European Central Bank Publishes Guide for Fintech Bank Applications

The European Central Bank (ECB) has published a “Guide to assessments of Fintech credit institution licence applications.” The purpose of the Guide is described as seeking to enhance transparency for potential Fintech bank applicants and increase their understanding of the procedures and criteria applied by… Read More

Finding Profit in Underinvested People & Places: Venture Capital & Crowdfunding for Community & Economic Development

  Millions of Americans rely on domestic discretionary spending appropriated by the U.S. Federal Government, including everything from affordable housing and education to the arts. Agencies such as the Department of Housing and Urban Development provide programs and services that impact neighborhoods and communities across… Read More

Will HM Treasury “Clamp Down” on EIS & Undercut Investment in Early Stage Firms?

Earlier this week, the Sunday Times reported that the UK government was examining plans to “clamp down” on the Enterprise Investment Scheme (EIS). This program is a tax exemption that seeks to incentivize investment in early stage companies – an intrinsically risky endeavor. By providing… Read More

Federal Reserve Attorney: US Not Interested in Fintech Sandboxes

  There is a report in Bloomberg Law that Federal Reserve Attorney, Gerald Tsai, has indicated the US is not that interested in creating a regulatory Sanbox or Fintech Sandbox – similar to what the rest of the world is embracing. Tsai reportedly acknowledged that… Read More

ICOs & a Sustainable Global Token Sale Market: Joshua Klayman of MoFo Provides Answers

There is a lot going on in the cryptocurrency driven Initial Coin Offering market today. In recent weeks, national regulators have acknowledged the existence of tokenized funding rounds along with the fact that many are really securities and thus regulated. The US Securities and Exchange… Read More

Dear Elio Motors, We Need to Talk

A letter to Elio Motors (OTC:ELIO) …   I don’t drive motorcycles. Often on the Southern California highways, I curse lane splitting motorcycles and the danger they present to themselves and others. I have long said to my children that I wish they would not… Read More

Digital Assets Predicted to Rise to $1 Trillion in Less than 2 Years

The Initial Coin Offering (ICO) market is going through a turbulent period of change and regulation. Following an incredible rise of the new form of raising capital online, regulators around the world are pumping their rule making breaks to slow down cryptocurrency based securities offerings…. Read More

Why Online Investing Makes It Easy to Diversify Your Real Estate Portfolio

Modern Portfolio Theory is based on the idea that certain types of investment risk can be mitigated through a strategic pattern of diversification and asset allocation. Diversification is important because it spreads risk across multiple types of investments within a single portfolio. By diversifying into… Read More

Crowdfunding 2.0: Smart eTokens Have Arrived!

Crowdfunding is about to enter a new and more powerful phase. Having become ensnared in a tangle of aging regulation designed for a disconnected, opaque world of fast-talking strangers Crowdfunding – in all it’s forms but especially Equity (ECF) – has yet to live up… Read More

Traditional Banks are Really Shadow Finance & Wells Fargo Proves it.

Over the past several years, traditional financial services firms have thrown shade at alternative finance platforms by labeling them “Shadow Finance.” This oblique reference to Fintech firms seeking to disrupt and dethrone old school banks is standard banter on the various financial news networks. Even… Read More

Why Are Small Cap IPOs Under Attack?

On Friday, August 18, 2017, Chicken Soup for the Soul Entertainment, Inc. (NASDAQ:CSSE) made IPO history by becoming the world’s largest Reg A+ IPO, raising $30M at a pre-money valuation of $120M, and the first Reg A+ to trade on the Nasdaq Global Market, Nasdaq’s… Read More

How will Expedia Impact Financial Services? 

Sites like Expedia and Booking.com have transformed the travel industry; can comparison sites do the same for financial services? By now we are all familiar with travel comparison sites like Expedia and Booking.com. Plug in your details and the computer will come up with a selection of options –… Read More

Ahead of the Curve: Opportunities that Deliver Extraordinary Returns for Investors

Imagine if the going rate for your iPad 2 was $100 trillion. Apart from costing five times the GDP of the United States, such a device would be almost impossible to manufacture in a sustainable manner. In the 1940s, however, the technology needed to power… Read More

OCC Motion to Dismiss Regarding Conference of State Bank Supervisors Lawsuit: A Fatally Premature Attempt to Remedy a Speculative Harm

Earlier this month the Office of Comptroller of the Currency (OCC) fired off a counter salvo in the legal battle regarding the OCC Fintech Charter. The Conference of State Bank Supervisors (CSBS) launched an attack against the OCC this past spring. Many Fintech industry participants… Read More

Nesta Promotes Cross Border Equity Crowdfunding Alliance with China

This is interesting. Nesta, the UK based non-profit foundation that focuses on innovation, believes the UK should work towards creating a cross border equity crowdfunding alliance with China. The UK has been the clear leader in online capital formation since the early days. While the… Read More

Danger: Crowdfunding on the Wrong Platform Could Force You to Go Public

Some equity crowdfunding platforms are putting startups at serious risk.  Working with a platform that doesn’t structure your deal appropriately could jeopardize your ability to raise future capital or worse, force you to become a public reporting company. The emergence of equity crowdfunding is a… Read More

7 Reasons Why Investing in Real Estate Online is Efficient & Effective

Real estate investing is on the rise again. Online real estate investing is quickly becoming the preferred method of investing for many people. Forbes reported earlier this year that real estate crowdfunding was a $3.5 billion industry in 2016, up from $1 billion in 2014…. Read More

Women Entrepreneurs, Crowdfunding, and Access to Capital

Last month PwC and the Crowdfunding Center partnered on a report regarding women and crowdfunding. Referencing data collected by the Crowdfunding Center that analyzed 450,000 rewards based crowdfunding campaigns, the document entitled “Women Unbound: Crowdfunding – Unleashing Female Entrepreneurial Potential,” showed that women-led campaigns reached their… Read More

Report: Analog Regulations Built for the Traditional Banking Space are not Conducive to Fostering Innovation in Financial Services

  The digitization of finance is upon us. Fintech is rapidly changing all aspects of the financial services sector but different countries are adapting at different paces – regulation is largely why. Jackson Mueller, writing for the Milken Institute, hosted several roundtables earlier this year… Read More

FCA Survey: 25% of Regulated Firms Believe FCA is Facilitating Innovation in the UK

In the financial services sector clear and transparent regulation is vital to a healthy marketplace. There is no financial services firm that will take issue with this statement. Yet regulation that balances on the tightrope of an efficient market and investor protection is quite hard…. Read More