Cybersecurity is the Biggest Concern & Threat Cyber Security risk has made it to the Number #1 biggest operational risk for organisations (large and small) across different sectors of the financial services industry, according to an annual study that Risk.net carries out by surveying operational practioners across the globe. Their study found that data loss …
Why Financial Services can’t Ignore Cyber Security Risk Read More »
ICO or Initial Coin Offering has taken the world by storm. In 2017, this nascent market went mainstream. Over $3.5 billion was raised through ICOs last year. Top 5 ICO funding projects include: Filecoin raised $257 million in September 2017. They provide blockchain based data storage Tezos raised $232 million in July. They created a …
A Fintech venture is exciting, regardless of whether you are a startup or an incumbent looking to diversify into this new disruptive space. That said, launching a Fintech venture is a challenging task that needs to be approached with careful strategy and planning. It’ll come as no surprise when I say that the current financial …
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As the disruptive world of Fintech teeters on the cusp of greatness, two very clear business models are emerging. The golden, growth-fuelled unicorn and the die-hard cockroach. I believe that neither are the future of Fintech. I believe that a new breed of Fintech firm is in the making. Growing into the future of Fintech …
They underestimate the vital importance of regulation Generally speaking, no one likes regulation. However, for the alternative finance sector, these regulations may have actually contributed to it’s rapid growth. Benefits of regulation are: Competitive advantage, as weaker players are weeded out, or lose market share because of non-compliance; Improved systems and controls required by regulations, …
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 …
What is the driving force behind the massive growth in Fintech? Read More »
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, as an early market …
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 marketplace …
Can Marketplace Lending Survive the Storms Ahead? Read More »
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 a step-by-step …
The power of intellectual property: how to boost your intangible business assets Read More »
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 …
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