Regardless of how lucrative a market is, high barriers to entry in Fintech often makes it less viable or significantly increase the cost of entry. In my opinion, there are only three fundamental barriers to entry in Fintech: Capital or the seed money to launching the business. Unlike traditional financial serves businesses, such as a […]
Fintech
What is the driving force behind the massive growth in Fintech?
To fully understand the question “What is Fintech”, it’s advisable to take a closer look at the driving forces brining about such disruptive change in financial services? Major Fintech Driving Forces The Millennial or Generation Y, shaped by technology and the openness of social media, are now at a stage in their life where they […]
How to Launch without FCA Authorisation
Launch without FCA License. How can you launch without FCA Authorisation. The Financial Services and Markets Act (FSMA) says any firm or individual who carries out a regulated activity in the UK (this includes dual-regulated firms) must be authorised or registered by them, unless they are exempt. Any financial services firm can launch without FCA Authorisation, […]
Can Marketplace Lending Survive the Storms Ahead?
As marketplace lending has expanded at exponential rates, those early – once favourable – sentiments towards these “new kids on the block” have hardened. The sharks are sensing the smell of future blood and are already circling in advance of an anticipated (but as yet unknown) crisis erupting that decimates those lenders associated with […]
The power of intellectual property: how to boost your intangible business assets
Whether seeking funding or looking to secure a high valuation for exit, a business’s position will always be strengthened if it can point to its IP assets. For Fintech companies in particular, technology innovation and the associated IP rights may drive their competitive advantage. In this article, IP lawyer Suzy Schmitz gives us […]
10 ways to Enhance Fintech Valuation Multiples
Fintech valuation Part 2. This is a continuation from our last article How to Sustain Fintech Growth by avoiding “Gravity Drag” . In that article, we explored the Fintech growth trajectory using some real world examples. Using a simple model we concluded that this market started off with a “hype”, with off the scale valuations. After reaching […]