Tagged: perspective

October 4, 2015 @ 10:20 pm By JD Alois  |  

There were over one hundred submissions for the RFI by the US Department of Treasury on Marketplace / Peer to Peer Lending. As one would expect, most commenters came with either an ax to grind or an urgent message to deliver.  In reading many (not… Read More

September 25, 2015 @ 6:33 pm By Ian Ippolito  |  

Revolutionary technology is rarely useful or successful right away. Gutenberg’s printing press was a commercial failure until he decided to print the Bible. PC’s were obscure curiosities until the invention of the spreadsheet. Even the Internet was just an academic toy until the invention of… Read More

September 24, 2015 @ 10:46 pm By JD Alois  |  

As 2015 enters Q4, and the days grow shorter, time is running out for final rules regarding Title III of the JOBS Act, otherwise known as retail crowdfunding. During most of 2014, Chair White stated completion of JOBS Act rules were a priority, raising hope… Read More

September 21, 2015 @ 6:00 am By Georgia Quinn  |  

It was bittersweet walking into Commissioner Daniel Gallagher’s office for the first and last time. He has been a true champion for small business and access to capital and we all owe him a debt of gratitude. It was also wholly appropriate that the amazing… Read More

September 15, 2015 @ 11:00 pm By Barry James  |  

Crowdfunding and ‘Alt-Finance’ are of course one of the cornerstones of FinTech as key parts of the ‘Finance’ leg. Although FinTech is broader-based encompassing cryptocurrencies such as BitCoin and related technologies (especially Blockchain) as well as new and faster ways of transacting and transferring ‘legacy’… Read More

September 15, 2015 @ 4:00 am By Anthony Zeoli  |  

Steve Jobs is quoted as saying that “innovation distinguishes between a leader and a follower.” While I personally agree with this statement, and it may certainly be the case in the mobile device and other industries, when it comes to the offering and sale of… Read More

September 14, 2015 @ 2:00 am By Candace Klein  |  

  SBA….MCA….APR….LOC…. Do these acronyms mean anything to you?  The small business financing landscape is full of them and you’ll need to understand them to make the best possible financing decisions for your business.  And to avoid wasting time or money. If you are like… Read More

September 13, 2015 @ 11:00 pm By Barry James  |  

The First #Fintech World Tour Over the last couple of months my team and I have been in ‘stealth mode’, as they say, quietly touring the world of #Fintech, joining the dots. In two weeks time I will fly from one of the two world… Read More

September 11, 2015 @ 11:06 am By Amy Wan  |  

  Since the SEC announced the intent to implement the new Regulation A+ rules in March, there’s been a lot of hype around the potential for Regulation A+. This newly implemented offering mechanism has been heralded for its ability to bring increased opportunities to the… Read More

September 10, 2015 @ 9:09 am By Ben Miller  |  

The investment crowdfunding space is on fire – growing by more than 1000% a year. Within real estate alone, total investment is projected to hit $2.5 billion by the end of December. Meanwhile, FinTech has become glorified as a revolution in finance ready to take… Read More

September 7, 2015 @ 10:12 am By Ronald Kleverlaan  |  

The e-Residency project is an initiative of the Estonian government to offer every world citizen the possibility to become an e-Resident of Estonia. As a side effect they could solve a number of problems for current Crowdfunding platforms with this government backed e-identity program and boost the industry…. Read More

September 2, 2015 @ 5:00 pm By Bret Conkin and Alixe Cormick  |  

Causes and Lessons to be learned from more Developed Markets In this three-part series, we examine whether “conservative” Canadian business culture is having a negative effect on equity crowdfunding taking hold in Canada.  In Part I of this series we took a snapshot of equity… Read More

September 2, 2015 @ 9:06 am By JD Alois  |  

Paul Niederer, CEO of ASSOB  – a trailblazing investment crowdfunding platform in Australia, makes a very valid point. Regulators are too rooted in the past and they are at risk of botching the future as the finance industry inevitably moves online. Australia is in the… Read More

August 31, 2015 @ 2:00 am By Alessandro M. Lerro  |  

Cyclically, innovation gets the top of the corporate agenda as a growth enabler that can play a major role in replacing existing products or services and in creating new markets, so anticipating future needs and eventually disrupting the current business models. But the “innovator’s dilemma”… Read More

August 29, 2015 @ 3:45 pm By JD Alois  |  

The finalization of rules regarding Title IV of the JOBS Act was a watershed moment in the history of securities law and a leap forward for investment crowdfunding.  Title IV, now commonly referred to as Regulation A+, not only allows issuers to raise capital in… Read More

August 28, 2015 @ 10:20 am By Jason Fritton  |  

The traditional world of real estate needs to prepare for the next wave of investors – Millennials. Currently ranging in age from 18 to 34, and numbering roughly 77 million, Millennials make up about one-fourth of the U.S. population – and are far less interested… Read More

August 27, 2015 @ 8:48 am By James Tuckett  |  

Hold the front page – the Chinese economy is slowing down. Who didn’t see that one coming? In an age of intertwined economies, extreme volatility in China is being exported globally. Calamity across the Chinese commodity markets this week is having largely foreseen global consequences…. Read More

August 22, 2015 @ 12:26 pm By JD Alois  |  

The rewards-based crowdfunding realm has become a robust and diverse sector of the finance industry.  While some in the securities space look down upon platforms such as Kickstarter and Indiegogo, this is a misplaced perspective.  Rewards platforms have become an important testing ground, and funding… Read More

August 18, 2015 @ 9:15 am By JD Alois  |  

Dick Bove, an equity research analyst and frequent commentator on CNBC, has published an Op-Ed on CNBC about the legislative disaster called Dodd-Frank.  Bove does not mince words when he states,  “I thought it would be impossible to find a worse piece of legislation in… Read More

August 17, 2015 @ 12:30 pm By Bret Conkin  |  

  American culture is known for celebrating “winners.”  Canadians are known for being modest and risk averse.  Could this cultural difference explain why Canadian equity crowdfunding appears to be relatively underdeveloped so far?  We checked out the funds actually raised in 2015 and talked to some of Canada’s… Read More