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FinTech Weekly Magazine

  • How Robo-advice for Credit and Debt Will Disrupt the Industry

    Expensive asset managers today are struggling to deal with the twin challenges to their traditional business model: low-cost, passively-managed index funds, and the online robo-advisors that help retail investors optimize the allocation of their assets between those funds. The finance industry is still unprepared for the next big disruption — widespread use of robo-advisors for liabilities: online tools that will deliver customized credit solutions to consumers in real time.

  • Startups @ WebSummit – Video Interviews (3-5min)

    We stopped by at some of the startups and established fintechs at this year's WebSummit in Lisbon to ask them what their respective products can achieve – in just three minutes. Here's who they are, what they do and how they see the industry.

  • Turf Wars - Consumer attitudes towards established and alternative lenders

    They say imitation is the sincerest form of flattery. Challenger banks are doing what their name suggests, and research indicates they are gaining ground. For established lenders, replicating the characteristics of their smaller, more agile competitors, will help them defend their position. Outsourcing is the key, argues Sarah Jackson, Director, Equiniti Credit Services.

  • Investments

    Branded Article

    Investing In Tech – A Digital Transformation?

    As we evolve in a tech-driven world, the tech industry is growing, hitting investment records and attracting investors.

  • When Fintech Meets Finance

    Fintech – the potent intersection of the finance and technology industries – has transformed the business landscape forever. After all, technology had already irrevocably transformed our lives, from the way we shop to the way we socialise. It was time that technology revolutionised the way businesses accessed funds.

  • Why Machine Learning needs to be self-service to beat payment fraud

    My colleagues and I are often left bemused when we hear claims, from fraud experts from across the world, that machine learning is set to change a business function or disrupt a market. Surely, to be really disruptive you have to put the tools in the hands of the customer so they can model and implement the findings immediately. Adding additional 3rd party manual intervention flies in the face of adopting machine learning.

  • Retail Trading Ripe for Fintech Disruption

    Start-ups in the capital market space are a small part of the Fintech world, but are finding multiple opportunities to disrupt retail trading.

  • Branded Article

    10 Stock Market Investing Tips

    Investing in stocks isn’t that difficult. After all, you can invest with borrowed money, by taking out Payday Depot, for example.

  • Emerging Tech in Mobile Banking

    Customers’ expectations for mobile apps are changing rapidly across the board. And the banking industry just can’t keep up. The 2 billion people using mobile banking apps by 2020 will expect an immediate and seamless user experience.

  • Why Robo-advisors are becoming popular

    Robo-advisory, along with artificial intelligence and big data, is a top trending buzz-word. It is the Uber of the professional investment advisory world, eliminating the intermediate role and thus reducing fees for the end-user.

  • Is This the Best Way to Do Digital Transformation in Banking?

    Match borrowers with lenders directly and there is no need for intermediaries anymore. So when digital disruptors squeezed their way into financial services industry, one could think banks were doomed.

  • Branded Article

    Digital payment innovations in 2020 which simplify business financial operations and save money
  • Prepare your business for the digital payments landscape of the future

    Blockchain and Bitcoin technologies look set to change and shake up the course of the digital payments industry. Bitcoin to date is the most successful cryptocurrency and blockchain is what makes it possible, so it is not surprising these two technologies are dominating the eCommerce and payments news space.

  • Great Techspectations: why innovation is king, no matter who sits on the throne

    According to a recent report from the World Economic Forum, fintechs should start to fear the muscling-in of the tech heavyweights. As Alexa is the personal assistant of choice for several FIs and Amazon powers web content for others, are the tech giants dwarfing the diminutive disruptors?

  • Regtech can help national regulators win the race for talent

    A race for regulatory talent is about to begin. Regardless of the outcome of the Brexit negotiations, it’s almost certain many UK banks will relocate their headquarters or employees, and European financial capitals will swell in size.

  • Bitcoin

    Branded Article

    How to Сhoose a Team to Develop a Mobile Application?

    Mobile applications have become an integral part of business — from startups to large corporations. However, the success of an application largely depends on who exactly is developing it. Choosing the right team is a key step that requires attention to technical expertise, experience, processes, and interaction models. One of the most promising areas today is mobile and software development in Eastern Europe — a region where many talented specialists are concentrated, offering a high level of quality at a reasonable cost. In this article, we will analyze what to pay attention to when choosing a team to create a mobile application.

  • Recent Developments in Digital Currency Regulation

    As the digital currency space has evolved and matured over the past several years, U.S. regulatory agencies have, for the most part, sat back and observed – none purporting to exercise jurisdiction over the digital currency space in any meaningful way. This hesitation has stemmed from the novelty that virtual currencies pose to regulators, including the varied nature of the underlying technology and structure and an inability to squarely place them into a singular asset class. Virtual currencies, depending on their underlying framework and liquidity, possess certain features of currencies, securities, commodities, and property.

  • Unfair Competition In FinTech: A Familiar 
Problem For An Emerging Industry

    FinTech is one of the fastest growing industries in the United States and, as with any emerging industry, has and will face growing pains. A specific consequence of such rapid and uncharted growth will be the increase of unfair competition lawsuits, including by those who seek to obstruct changes to the existing competitive structure and otherwise protect their positions. This article identifies and defines the FinTech industry and unfair competition law, examines the impacts that the law of unfair competition will have on this emerging industry, and provides guidance to minimize risk and exposure to unfair competition claims.

  • Not Every ICO Is a Goldmine

    Investing in ICOs (Initial Coin Offerings) or functional new currencies can be extremely profitable from an investor’s perspective. For companies, it is a crowdfunding alternative that helps them raise funds for new projects. An ICO is an easy and efficient method for startups to generate capital for their new projects.

  • Cryptocurrency Regulation: A Cross-Country Analysis

    Sixty-three percent of countries have favorable or mostly favorable regulation of cryptocurrencies out of 60 states studied as of July, 21st 2017. This is a very good sign for the industry. Still there is a lot of room for growth and diligent work with regulatory bodies to make cryptocurrencies widely acceptable.

  • Today, financial institutions face two major challenges. First, the large volume of highly sensitive information they process, such as credit card data, Social Security numbers and personal identifiers, is highly attractive bait for attackers. Second, financial organizations in the U.S. are supervised by many agencies, including the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation, and have to follow stringent regulatory requirements to avoid litigation and financial penalties. Meeting these challenges is taxing, especially when customer demands for service availability keep increasing and IT budgets and staff are both limited.

  • You say you want a revolution

    “We are at the beginning of a revolution that is fundamentally changing the way we live, work and relate to one another,” according to Professor Klaus Schwabb, founder of the World Economic Forum.  In fact he is right, and the revolution is already under way, not least in my industry – private equity.

  • Is it still playtime in the sandbox?

    To support the UK fintech, the FCA launched a sandbox to bring together innovators and regulators in a less regulated environment.

  • Why are fund administrators getting fired at alarming rates?

    Private fund managers are showing an increasing penchant for firing their fund administrators. A new report by Preqin called “Preqin Special Report: Private Capital Service Providers” shows that 36% of fund managers changed their fund administrators in 2016.

  • Digital Banking - Old Wine in New Bottle?

    There was a time when digital banking was perceived as synonymous with online banking and mobile banking. Financial services industry, along with other sectors, is experiencing an explosion of digitization thanks to smartphones, tablets and access to affordable high-speed internet. The number of smart phone users is expected to equal the number of bank accounts in near future as all mobile users link their bank accounts to their smart phone and get onboard with mobile-based digital wallets and savings platform.

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