Issue 198 · Jan 2, 2019 Weekly edition · 5 min read

Fintech News

Hello and welcome to 2019 in fintech. We gathered all the important things you might have missed over the past two weeks, so relax, sit back and enjoy the first issue of a brand new year.

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2019 looks to continue another lights-out year for fintech startups

We predicted that in 2018, the fintechs would prove to be the more relevant disruptors and their equity value would continue to outpace the incumbents.

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In this issue · 18 items

AI in Finance: From Science Fiction to Modern Financial Solutions CoinSpectator Blog — Artificial Intelligence is poised to excel in fields dealing with excessive amounts of data and a need for identifying patterns in data flows (curiously enough, ability to identify patterns is the key metric in IQ – our measurement system for human intellect). Open story ↗ 5 Resolutions For Digital Banking Success in 2019 The Financial Brand — There is a lot of discussion about becoming a 'digital bank'. Unfortunately, there was much more talk than action in 2018. As we look forward to 2019, the importance of making both the back office and front-facing customer experience 'digital' has never been greater. Setting digital banking resolutions is a good place to start. Open story ↗ Fintech Insider Ep. 282. Insights: Our Fintech Predictions 2019 11FS — We've got a roundtable of some of the most beloved fintech podcast hosts there are. They're all ours. Sarah's takes David, Simon, Jason, Ross and Leda through what we think's going to happen in fintech in 2019. Open story ↗ Bitcoin’s Next Halving Rally: Coming Soon in 2019 Coindesk — 2012 and 2016: What do they both have in common? Bitcoin underwent what is referred to as the “halving,” where the yearly bitcoin inflation was algorithmically reduced by 50 percent. This is part of bitcoin’s deflationary monetary policy and why Austrian economists refer to bitcoin as “hard money.” Open story ↗ Busy year ahead expected for insurtech bobsguide — 2019 is set to be a year defined by collaboration in the insurance sector. In an October Capgemini survey, 96% of respondents said they were looking to collaborate with insurtech firms in some way. 77% said that “partnering to develop a new solution” was their preferred approach. When asked of the impact fintechs might have in the market, 67% said new entrants would “redefine” the customer experience. Open story ↗ It's not enough for banks to offer customers a sleek mobile banking app — they need to be personalizing their services Business Insider — It's no longer enough for banks to offer customers a sleek mobile banking app; in fact, they expect it. Open story ↗ The Secret for a $1 Trillion Crypto Market? Keep Building Coindesk — Earlier this year, the total value of all crypto assets reached an all-time high of over $800 billion, driven by a flood of retail customers looking to capture opportunities in a new market. Open story ↗ The CDO: the unsung champion of GDPR FinTech Weekly Magazine — The first service of an GDPR notice — to analytics firm AggregateIQ for its controversial use of voter data — reinforced the severity and significance of GDPR for organisations worldwide. Though the May 25, 2018 deadline for compliance may initially have been treated as a one-off, box-ticking exercise, the reality is that GDPR brings heightened, long-term scrutiny to the way in which organisations collect, use, and store data. Open story ↗ Resisting the Threat of Blockchain Recentralization Coindesk — My 2018 began with desperate angst at the massive throngs of scammers still HODLing on from December’s highs. As a public-facing educator at a small community commons, I was relieved when the prices dropped in February: we could breathe and take a break from telling all these noobs not to burn themselves on the stove. Open story ↗ 20 More AI Predictions For 2019 Forbes — Artificial intelligence (AI) is everywhere, driven by large investments, lots of startups, all established technology vendors, and enterprises big and small experimenting with what it can do for their bottom line. 120 predictions for AI in 2019 did not exhaust the subject, so here are 20 more. Open story ↗ MiFID II - One Year On Finextra — One year on, and it hasn’t been simple. As firms continue to make sense of its 30,000 pages, contention remains around whether MiFID II still has the potential to deliver on its objectives. As we look back over the past year, what have been the biggest challenges for firms? Open story ↗ Crypto Theses for 2019 Medium — My thoughts on the state of crypto in 2018 and where we’re headed Open story ↗ Why The Future of Fintech Looks Bright in the ASEAN Region Entrepreneur Asia Pacific — The low penetration of banking services brings ASEAN countries to the forefront in the development of financial technologies Open story ↗ These are the fintech predictions we got wrong in 2018 Business Insider — Earlier this week, Business Insider Intelligence revisited the fintech predictions we got right for 2018. Now it's time to take a look at the ones that didn't quite turn out the way we expected them to: Open story ↗ Fintech in 2019? Predictions for Crowdfunding, Open Banking, SMEs, Regulations & More…. Crowdfund Insider — ‘Tis the season for decking halls, lighting candles, spending time with family and friends, reflecting on 2018 and thinking ahead to 2019 and new trends in the global Fintech market. Open story ↗ Google granted e-money, payment license to operate in Europe 9to5Google — As evidenced by the last several years, technology is disrupting the commerce industry. One area of interest is e-money, with Google just granted a Payment License that will allow it to operate throughout the European Union. Open story ↗ P2P set for fundraising boom in 2019 Peer2Peer Finance News — Investors could be set to benefit from another bumper year of equity fundraisings in the peer-to-peer lending sector. Open story ↗ Digital insurance in 2018: Driving real impact with digital and analytics McKinsey — Highlights from articles this year show the progress that has been made in reinventing the insurance landscape—and suggest more disruption to come. Open story ↗

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2019 looks to continue another lights-out year for fintech startups

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