Issue 53 · Feb 3, 2016 Weekly edition · 4 min read

Fintech News

'Welcome to the Bankchain'. We start this week's issue with Chris Skinner. There are more predictions for 2016 and William Laraque argues that Davos was irrelevant. We also chose another explanation of 'What is

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Breaking Banks: Fintech Opening Investment Space

One of the exciting disruptions in the FinTech space is the new opportunities to enter investing. Investing has always seemed murky to people outside the banking space. And those that could most use the expert advice never had enough money to afford the advice. But technology is lowering the barrier to investing and to attaining the expert advice that clarifies it.

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In this issue · 12 items

Welcome to the Bankchain Chris Skinner talks about how investment markets have aggressively adopted technology, but retail and commercial banking is catching up. It’s all about the bankchain! Open story ↗ Thinking Beyond National Borders: E-Commerce, Fintech, Unemployment and Global Trade William Laraque explains why he finds a lot of "role/goal confusion" with fintech and the blockchain, and why Davos was irrelevant. Open story ↗ Payments Predictions 2016: Faster Payments, M&A, and a Blockchain Breakthrough Peter Drucker once famously stated “Trying to predict the future is like trying to drive down a country road at night with no lights while looking out the back window.” With this in mind, yet nonetheless undaunted, Carlisle & Gallagher Consulting Group decided to go for a proverbial drive down the payment’s forecasting road. Open story ↗ Innovative Finance ISA 2016: An overview Peer-to-Peer Lending (P2P) is becoming an even more attractive investment option with the introduction of the new Innovative Finance ISA (IFISA). Open story ↗ Fintech and the Macroeconomic Cycle We are nearing the end of this macro cycle. The next bear market is inevitable even if not imminent; we cannot know the timing but we know it is coming (it may have started already). What entrepreneurs and investors want to know is how will this affect both Fintech startups and incumbent Financial Services firms? Open story ↗ Banking is going through a revolution I often claim that we are going through a revolution in commerce and, every time we go through a revolution in commerce, we go through a revolution in finance. Open story ↗ What is Fintech? He looked just like Captain James T Kirk, and I felt like I was programming the USS Enterprise to fly. He was my computer science lecturer – just like my school-boy hero – except he wore a white lab coat. One of my first projects when learning to code back in 1979 was to write a retail bank statement application. Open story ↗ 10 Digital Trends Banks & Credit Unions Should Embrace Rather than viewing fintech start-ups and digital disruptors as threats, traditional banks and credit unions can view digital trends as a roadmap for success. Open story ↗ Retail Banking 2020: Evolution or Revolution? Powerful forces are reshaping the banking industry. Customer expectations, technological capabilities, regulatory requirements, demographics and economics are creating an imperative to change. Banks and credit unions need to get ahead of these challenges and retool if they are to find success in the upcoming decade. Open story ↗ When is cash going to swing out? According to a recent report by Citi, cash is slowly but steadily on its way out. At the same time, questions are being raised on why we should not accelerate the transition as much as possible. Converting payments to digital helps with transparency, and reduces both social and other labor costs on the overall system. Open story ↗ Fintech Is Just Getting Started In just the first week of trading in 2016, the S&P 500 lost 6 percentage points and more than one trillion dollars in market capitalization. With the worst start in more than a century, the markets seem to be predicting a slow period for the U.S. economy. One segment that I think has the potential to survive, if not thrive, in the expected volatility this year is financial technology. Open story ↗ Why Bitcoin Will Thrive First in the Developing World Explaining the appeal of bitcoin to the average American isn’t easy. Here in the US, it’s not terribly hard to save, spend, and send money. Open story ↗

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Breaking Banks: Fintech Opening Investment Space

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