Tagged: perspective

March 15, 2017 @ 2:55 am By JD Alois  |  

Early stage companies need funding to launch and grow. That is a fact. But early stage companies are the riskiest of firms and thus unable to attract debt or bank financing. The solution is to ask friends, families and, perhaps, angel investors to provide equity… Read More

March 14, 2017 @ 12:08 pm By Spencer Li  |  

One of the fundamental differences between Chinese and US lending platforms can be found just by examining the home pages of their websites. Most, if not all, US platforms’ landing pages are targeted at borrowers and exhibit mainly information around borrowing whereas, on those of… Read More

March 12, 2017 @ 9:00 pm By JD Alois  |  

Innovate Finance, the group that champion’s Fintech innovation in the UK and around the world, has shared the opinion of their Policy and Research Team on the Chancellor of the Exchequer, Phillip Hammond’s Spring Budget. Innovate Finance said they were pleased with the announcement that technical… Read More

March 12, 2017 @ 6:05 pm By JD Alois  |  

Entrepreneurship and the creation of small business is vital to the economic growth of the country and the welfare of the nation. This is a simple, indisputable fact. Yet too frequently, small business and entrepreneurs get pushed to the side as policymakers and regulators focus… Read More

March 6, 2017 @ 7:30 am By JD Alois  |  

LendInvest, an online property finance marketplace, is demanding the government to revise its treatment of small and medium-sized property investment and development companies. Noting that four in five SMEhouse builders have disappeared since last housebuilding boom, LendInvest is calling on the government to recognize the… Read More

March 5, 2017 @ 9:00 am By Niels Turfboer  |  

As an industry, fintech has grown to the point that we can now start analysing its development. Many commentators have divided Fintech’s lifespan into ‘waves’. The first wave is centred around disruption, the second around collaboration, and the third wave – although more disputed –… Read More

March 3, 2017 @ 1:59 pm By JD Alois  |  

The Securities and Exchange Commission (SEC), under the auspices of the Division of Economic and Risk Analysis (DERA), published a white paper on Regulation Crowdfunding (Reg CF) earlier this week. The report, written by Vladimir Ivanov and Anzhela Knyazeva, is basically a point in time… Read More

February 21, 2017 @ 8:58 pm By JD Alois  |  

  Sara Hanks is well known in the alternative finance/crowdfunding space. Hanks is CEO and founder of CrowdCheck –  a due diligence, disclosure and compliance services for online capital formation. She is a Board member of CFIRA and is the current Chair of the SEC’s… Read More

February 20, 2017 @ 4:41 pm By JD Alois  |  

Paul Niederer, former CEO of the Australian Small Scale Offerings Board (ASSOB) – the very first platform established to raise capital online, posted a comment letter in response to the proposed Australian Crowd-Sourced Funding Bill (crowdfunding for the rest of the world). Never one to… Read More

February 16, 2017 @ 9:24 pm By Georgia Quinn  |  

  First off, we all owe Tony a debt of gratitude for actually drafting this set of regulations. Legislative drafting is yeoman’s work especially when it comes to tax law. This new legislation solves for two extremely important problems in the U.S. economy and society…. Read More

February 9, 2017 @ 7:00 pm By JD Alois  |  

FINRA, or the “Financial Industry Regulatory Authority”, is one of the most powerful financial regulators in the United States. It is also a private corporation that performs its duties as a “self-regulatory organization” (SRO). FINRA oversees the thousands of broker-dealers and other financial industry participants… Read More

February 7, 2017 @ 12:07 pm By Timothy Li  |  

The Office of Comptroller of the Currency (OCC) is an independent bureau within the United States Department of the Treasury that was created by the National Currency Act of 1863 (154 years ago, 20 years before the automobile was invented by Karl Benz from Germany)…. Read More

February 2, 2017 @ 11:14 pm By Martin Baker  |  

The State of Fintech in the United Kingdom. Observers in London see a paradox at the heart of today’s financial technology sector. If Fintech is all about playing the cutting edge and disrupting the mainstream, how come so many Fintech players and commentators obsess so… Read More

January 30, 2017 @ 1:07 pm By JD Alois  |  

The United Kingdom has dominated the Fintech sector globally.  Starting with innovations in capital formation from crowdfunding and peer to peer lending platforms, the UK has fostered an impressive ecosystem of Fintech entrepreneurs. While a culture of innovation and risk-taking has been vital to this… Read More

January 29, 2017 @ 2:35 pm By Joy Schoffler  |  

Since Title II of the JOBS Act went into effect September 23, 2013, crowdfunding has been gaining traction. With investors becoming increasingly more comfortable with new Fintech platforms, the amount of money invested in crowdfunding in the Americas jumped from $11.4 billion in 2014 to… Read More

January 22, 2017 @ 2:47 pm By JD Alois  |  

The concept of a Fintech Charter for emerging firms in the financial services industry has generated plenty of attention on Capitol Hill and with Fintech entrepreneurs. Originally pitched by the Office of the Comptroller of the Currency towards the end of last year, a comment… Read More

January 21, 2017 @ 3:38 pm By JD Alois  |  

“If you want something new, you have to stop doing something old” ― Peter F. Drucker The Office of the Comptroller of the Currency (OCC) rattled the cages of big finance and state regulators in proposing a possible “Fintech Charter” to license and regulate emerging… Read More

January 20, 2017 @ 4:16 pm By Victoria Silchenko, PhD  |  

“The more cashless our society becomes, the more our moral compass slips.” ― Dan Ariely Happy New Era, my fellow entrepreneurs, and next generation financiers! In a world of dramatically accelerating technological, social and economic changes, it is clear we are heading into a time where… Read More

January 19, 2017 @ 12:43 pm By JD Alois  |  

Wefunder Leads Reg CF Crowdfunding Space in Both Successful Funding Rounds and Total Raised. Once Title III of the JOBS Act (Reg CF) became actionable, Wefunder jumped out of the gate and never looked back. In fact, Wefunder’s founders lobbied Congress to legalize investment crowdfunding…. Read More

January 16, 2017 @ 2:22 pm By JD Alois  |  

Seedrs delivered a record year of crowdfunding. In an end of the year recap, Seedrs quantified their accomplishments including: £85 million invested in 159 different deals 45,000 individual investments were made during 2016 from 65 different countries FreeAgent, a company that raised £1.2 million Seedrs… Read More