Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Quebec needs new innovation strategies to level the playing field for domestic tech
The Globe and Mail | | Sep 19, 2018
There are more than 250,000 technology workers employed across all industries in Quebec. In Montreal and Quebec City, the tech sector is the third largest private-sector employer. Around the world, Quebec is known for being a hub of research and innovation, especially in fields of artificial intelligence and video-game technologies.
Despite the sizable contribution domestic technology companies make toward Quebec’s economic prosperity, government policies regarding innovation have featured incentivizing for the expansion of foreign branch plants in Quebec over the growth and success of homegrown companies locally and around the world. This has had a negative effect on Quebec’s ability to scale domestic companies into global giants.
Business incentives that governments have offered to foreign companies to expand their operations in Canada’s major tech cities, such as salary subsidies or Quebec’s multimedia tax credit, were initially designed to stimulate our economy. The most common rationale behind these incentives pertains to the job growth promised by foreign tech companies. Yet the evidence suggests otherwise. A recent study by the Munk School of Global Affairs finds that politicians make “jobs” announcements that often don’t materialize as advertised. In addition, foreign branch plants exacerbate existing labour market shortages by creating a government-funded competition for wages and make use of publicly funded intellectual property (IP) created at Canadian universities.
Canada is already facing a high-skills talent creation and retention problem, particularly in the digital industries. A recent study from the Information and Communications Technology Council states there will be nearly 220,000 unfilled tech jobs across Canada by 2020. In Quebec’s tech sector, we have been at full employment for a decade.
Despite this, government officials in Quebec and across Canada have been investing considerable amounts of time, energy and political capital into attracting multinational technology companies to Canada without any studies on the effect they have on the domestic tech ecosystem and our economy as a whole.
See:
-
SCC hears Canada and Quebec AGs arguments on national securities regulator
-
Advancing Competition in a Changing Marketplace
-
Competition Bureau weighs in on fintech: urgent action required
More concerning, these large companies pay little to no taxes to the governments underpinning their growth, as the profits they earn are realized at their foreign headquarters – not in Quebec. Local wealth creation is important because the taxes domestic companies pay on their revenues are reinvested by governments into the important social and infrastructure programs all businesses use and Quebeckers care about. The same goes for the capital gains reinvested by local investors and funds such as Caisse de dépot et placement du Québec, Fonds de solidarité FTQ and others.
Economic evidence shows that domestic high-growth companies provide the critical public and private wealth Quebec needs to remain an economically competitive and prosperous society. All innovation experts agree that companies that scale from $100-million to a $1-billion and beyond provide the most return to their domestic economies. We see this happening in countries such as the United States, Israel, Germany, South Korea and even China. It’s time for Quebec to have an economic strategy aimed at seeing more of its successful domestic companies compete and scale up globally.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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SEC | Release | March 23, 2024 The SEC’s Office of Investor Education and Advocacy continues to urge investors to be cautious if considering an investment involving crypto asset securities. Risk notice to investors: Investments in crypto asset securities can be exceptionally volatile and speculative, and the platforms where investors buy, sell, borrow, or lend these securities may lack important protections for investors. The risk of loss for individual investors who participate in transactions involving crypto assets, including crypto asset securities, remains significant. The only money you should put at risk with any speculative investment is money you can afford to lose entirely. Those offering crypto asset investments or services may not be complying with applicable law, including federal securities laws. Under the federal securities laws, a company may not offer or sell securities unless the offering is registered with the SEC or an exemption to registration is available. Similarly, the law requires parties such as securities broker-dealers, investment advisers, alternative trading systems (ATS), and exchanges to register with the SEC, a state regulator, and/or a self-regulatory organization (SRO), such as FINRA. Moreover, entities and platforms involved in lending or staking crypto assets may be subject to the federal securities ...
Read More
Reuters | March 22, 2023 The U.S. Securities and Exchange Commission (SEC) has threatened to sue Coinbase Global Inc over some of the crypto exchange's products, turning up the heat on the largely unregulated sector. The potential enforcement actions would be tied to aspects of Coinbase's spot market as well as its Earn, Prime and Wallet products, the company said. Shares of Coinbase dropped nearly 13% to $67.33 in extended trading after the company said on Wednesday that the regulator had issued it a Wells notice - a formal declaration that SEC staff intend to recommend an enforcement action. Coinbase said its services continued to operate as usual after the notice was issued. See: Coinbase Begins ‘Wallet as a Service’ Enabling Companies to Integrate Into Their Own Apps A Wells notice does not always result in charges or signal that the recipient has violated any law. A Wells notice is typically one of the final steps before the SEC formally issues charges. It generally lays out the framework of the regulatory argument and offers the potentially accused an opportunity to rebut the SEC’s claims. Coinbase Chief Legal Officer Paul Grewal said in a blog post: Although we don’t take this ...
Read More
Guest Post | March 23, 2023 After entering college, people's lives change dramatically. On the positive side, they meet new people, make friends, and experience new emotions. However, they are now adults who must live on campus, pay for college, and become financially independent from their families. In addition to this, they have to attend lectures, prepare homework, participate in college activities, etc. It's a lot of stress, pressure, and sleepless nights. To lighten their workload and speed up the process of doing homework, some students use artificial intelligence-based online tools such as GPT Chat. Others hire assignment writing services, pay the required amount, and receive their papers on time. Both options can help with homework, but which option is better? Let's discuss this further. Are Assignment Writing Services Legal? There are currently no specific laws in the United States that prevent students from hiring assignment writing services or using AI tools for academic purposes. Thus, students can count on the help of assignment writers, especially when they provide a detailed plagiarism report to prove the originality of the work. The problem is finding a reliable service that has a team of experts who write an authentic copy from scratch ...
Read More
CoinDesk | Nikhilesh De, Oliver Knight | March 22, 2023 Sushi DAO and Head Chef Jared Grey were served with a subpoena by the U.S. Securities and Exchange Commission, the decentralized autonomous organization revealed Tuesday. Grey proposed creating a "Sushi DAO Legal Defense Fund" in a forum post, saying it would "cover legal costs for core contributors." The proposal recommends making $3 million in tether (USDT) available for core contributors, with another $1 million worth of USDT available in case the initial $3 million are used up. The sushi token dropped 5.5% on the news. One of the initial comments on the forum post asked how the DAO known as Sushi was subpoenaed, with the user saying they did not receive it despite being a member of the DAO. "We’re cooperating with the SEC. We do not intend to comment publicly on ongoing investigations or other legal matters," the forum post said. Continue to the full article --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to ...
Read More
March 22, 2023 Regarding legal matters: it's always better to be safe than sorry. While there are many situations where a person may try to navigate legal issues on their own - there are instances wherein hiring a lawyer is an absolute must. Here are the top six situations when hiring a lawyer is essential. Criminal Charges If you are facing criminal charges, hiring a lawyer right away is essential. An attorney can help protect your rights, build a strong defense, and negotiate with prosecutors. When choosing a lawyer, it's critical to find someone with experience in your case's specific area of law. You'll also want to ensure that the lawyer has a good track record and a reputation for being a strong advocate for their clients. The seasoned legal practitioners behind https://colbylegal.com/ recommend that you opt for a lawyer who is responsive and attentive to your needs, as well as someone who will keep you informed throughout the legal process. This way, you can make better decisions about your case and feel confident that you're getting the best representation. Personal Injury Claims Hiring a personal injury lawyer is necessary if you sustained injuries due to an accident caused by ...
Read More
Exploding Topics | Josh Howarth | Jan 20, 2023 The fintech space is making fast strides across many financial sectors, including consumer and B2B. Fintech investment and consumer adoption are clearly on the rise. But to what extent? And where is this industry headed? This list has you covered with a wide range of key, up-to-date financial technology (fintech) statistics. Fintech Industry Size: The fintech industry is worth approximately $180 billion (Deloitte) Global fintech industry revenue has nearly doubled since 2017 (Deloitte) There are currently over 26,000 fintech startups worldwide. This figure has grown dramatically over the past few years (up from only around 12,000 fintech startups in 2019). See: KPMG: Canadian Fintech Investment Drops in 2022, Mentality Shift to ‘Sensible’ Growth Investment: Fintech industry investment has increased 3.5x since 2015 (KPMG) In 2012, investment in fintech totaled $4 billion. By the end of 2021, fintech investment reached $210 billion. Venture capital distributions by sector funding: #1 Capital markets $8.07 billion #2 Payments $6.03 billion #3 Wealth management $5.43 billion #4 Digital lending $3.97 billion #5 SMB $3.36 billion #6 Banking $3.27 billion #7 Real estate $2.42 billion #8 Insurance $2.30 billion Adoption: 90% of Chinese citizens use fintech banking, ...
Read More
March 21, 2023 If you don't plan, you're planning to fail, as the old business adage goes. It's a cliché, but those who are really committed to their achievement, especially traders, should treat those words as if they were carved in stone. If you ask every successful trader, the answer will likely be the same: you must strictly adhere to a predetermined strategy, or you will be doomed to failure. You're in the minority if you already have a detailed trading or investment strategy that will help your portfolio, and congratulations on that. Creating a viable strategy or technique for trading the financial markets is a lengthy process that requires much study and investigation. While there are no guarantees, you have removed a substantial obstacle. For those of you who haven’t done it yet, here is a comprehensive guide on how to do so in order to get solid results and improve your portfolio. Have a Clear Understand of the Market A solid understanding of the market you are going to trade on is vital for establishing a smart trading strategy. Being well-versed in the field of trading will equip you to comfortably deal with the abundance of data present ...
Read More
March 20, 2023 Bitcoin has become incredibly popular in Canada over the past decade. Celebrities keep tweeting about it. Casinos are now accepting it for payments while tech-savvy Canadians are buying it as an investment. In the online casino space, almost every website has bonuses for crypto users. Some of them also feature games created on the blockchain. What’s this commotion all about? How is Bitcoin benefiting online casinos in Canada? Fast and Secure Payments Slow, unsecured payments kill hundreds of businesses every year according to the Harvard Business Review. That’s why many new casinos are embracing crypto at such a fast pace. Bitcoin processes transactions in an average of 10 minutes. If you use an alternative coin like XRP, you can send money around the world in seconds. It doesn’t matter if you’re sending $10 or $1 billion worth of crypto—the blockchain system is lightning fast. It’s also secure. Bitcoin addresses are encrypted using cryptography. This means no one can decipher the data. Secondly, they’re stored on the blockchain, which is decentralized and impossible to hack. Although most crypto casinos accept bitcoin for deposits, some of them also accept Ethereum, Litecoin and Bitcoin Cash. Visit Bitcoincasinocanada.com to find the ...
Read More
CFPB | Mar 15, 2023 The Consumer Financial Protection Bureau (CFPB) issued a request for information on “data brokers,” “an umbrella term to describe firms that collect, aggregate, sell, resell, license, or otherwise share consumers’ personal information with other parties. See: Davos: Cooperation in a Fragmented World: In Data We Trust The CFPB is looking to better understand the “scope and breadth of data brokers’ business practices and the impact of those practices on the marketplace and peoples’ daily lives,” especially in relation to credit reporting and the requirements and intentions of the Fair Credit Reporting Act. Continue to view the announcement --> here Download the 13 page PDF RIF --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech ...
Read More
Reuters | Stefania Spezzati, Oliver Hirt and John O'Donnell | Mar 19, 2023 Move follows Swiss rescue of Credit Suisse and signals depth of concern over the global financial system Some of the world’s largest central banks came together on Sunday to stop a banking crisis from spreading as Swiss authorities persuaded UBS Group AG to buy rival Credit Suisse Group AG in a historic deal. UBS will pay 3 billion Swiss francs (US$3.23 billion) for 167-year-old Credit Suisse and assume up to US$5.4 billion in losses in a deal backed by a massive Swiss guarantee and expected to close by the end of 2023. Soon after the announcement late on March 19, the U.S. Federal Reserve, the Bank of Canada, European Central Bank and other major central banks came out with statements to reassure markets that have been walloped by a banking crisis that started with the collapse of two regional U.S. banks earlier this month. The Fed said it had joined with central banks in Canada, England, Japan, the EU and Switzerland in a coordinated action to enhance market liquidity. The banks said they would start offering daily loans in dollars to their banks to avert stress in ...
Read More
SEC | Release | March 23, 2024 The SEC’s Office of Investor Education and Advocacy continues to urge investors to be cautious if considering an investment involving crypto asset securities. Risk notice to investors: Investments in crypto asset securities can be exceptionally volatile and speculative, and the platforms where investors buy, sell, borrow, or lend these securities may lack important protections for investors. The risk of loss for individual investors who participate in transactions involving crypto assets, including crypto asset securities, remains significant. The only money you should put at risk with any speculative investment is money you can afford to lose entirely. Those offering crypto asset investments or services may not be complying with applicable law, including federal securities laws. Under the federal securities laws, a company may not offer or sell securities unless the offering is registered with the SEC or an exemption to registration is available. Similarly, the law requires parties such as securities broker-dealers, investment advisers, alternative trading systems (ATS), and exchanges to register with the SEC, a state regulator, and/or a self-regulatory organization (SRO), such as FINRA. Moreover, entities and platforms involved in lending or staking crypto assets may be subject to the federal securities ...
Read More
Read More
Reuters | March 22, 2023 The U.S. Securities and Exchange Commission (SEC) has threatened to sue Coinbase Global Inc over some of the crypto exchange's products, turning up the heat on the largely unregulated sector. The potential enforcement actions would be tied to aspects of Coinbase's spot market as well as its Earn, Prime and Wallet products, the company said. Shares of Coinbase dropped nearly 13% to $67.33 in extended trading after the company said on Wednesday that the regulator had issued it a Wells notice - a formal declaration that SEC staff intend to recommend an enforcement action. Coinbase said its services continued to operate as usual after the notice was issued. See: Coinbase Begins ‘Wallet as a Service’ Enabling Companies to Integrate Into Their Own Apps A Wells notice does not always result in charges or signal that the recipient has violated any law. A Wells notice is typically one of the final steps before the SEC formally issues charges. It generally lays out the framework of the regulatory argument and offers the potentially accused an opportunity to rebut the SEC’s claims. Coinbase Chief Legal Officer Paul Grewal said in a blog post: Although we don’t take this ...
Read More
Read More
Guest Post | March 23, 2023 After entering college, people's lives change dramatically. On the positive side, they meet new people, make friends, and experience new emotions. However, they are now adults who must live on campus, pay for college, and become financially independent from their families. In addition to this, they have to attend lectures, prepare homework, participate in college activities, etc. It's a lot of stress, pressure, and sleepless nights. To lighten their workload and speed up the process of doing homework, some students use artificial intelligence-based online tools such as GPT Chat. Others hire assignment writing services, pay the required amount, and receive their papers on time. Both options can help with homework, but which option is better? Let's discuss this further. Are Assignment Writing Services Legal? There are currently no specific laws in the United States that prevent students from hiring assignment writing services or using AI tools for academic purposes. Thus, students can count on the help of assignment writers, especially when they provide a detailed plagiarism report to prove the originality of the work. The problem is finding a reliable service that has a team of experts who write an authentic copy from scratch ...
Read More
Read More
CoinDesk | Nikhilesh De, Oliver Knight | March 22, 2023 Sushi DAO and Head Chef Jared Grey were served with a subpoena by the U.S. Securities and Exchange Commission, the decentralized autonomous organization revealed Tuesday. Grey proposed creating a "Sushi DAO Legal Defense Fund" in a forum post, saying it would "cover legal costs for core contributors." The proposal recommends making $3 million in tether (USDT) available for core contributors, with another $1 million worth of USDT available in case the initial $3 million are used up. The sushi token dropped 5.5% on the news. One of the initial comments on the forum post asked how the DAO known as Sushi was subpoenaed, with the user saying they did not receive it despite being a member of the DAO. "We’re cooperating with the SEC. We do not intend to comment publicly on ongoing investigations or other legal matters," the forum post said. Continue to the full article --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to ...
Read More
Read More
March 22, 2023 Regarding legal matters: it's always better to be safe than sorry. While there are many situations where a person may try to navigate legal issues on their own - there are instances wherein hiring a lawyer is an absolute must. Here are the top six situations when hiring a lawyer is essential. Criminal Charges If you are facing criminal charges, hiring a lawyer right away is essential. An attorney can help protect your rights, build a strong defense, and negotiate with prosecutors. When choosing a lawyer, it's critical to find someone with experience in your case's specific area of law. You'll also want to ensure that the lawyer has a good track record and a reputation for being a strong advocate for their clients. The seasoned legal practitioners behind https://colbylegal.com/ recommend that you opt for a lawyer who is responsive and attentive to your needs, as well as someone who will keep you informed throughout the legal process. This way, you can make better decisions about your case and feel confident that you're getting the best representation. Personal Injury Claims Hiring a personal injury lawyer is necessary if you sustained injuries due to an accident caused by ...
Read More
Read More
Exploding Topics | Josh Howarth | Jan 20, 2023 The fintech space is making fast strides across many financial sectors, including consumer and B2B. Fintech investment and consumer adoption are clearly on the rise. But to what extent? And where is this industry headed? This list has you covered with a wide range of key, up-to-date financial technology (fintech) statistics. Fintech Industry Size: The fintech industry is worth approximately $180 billion (Deloitte) Global fintech industry revenue has nearly doubled since 2017 (Deloitte) There are currently over 26,000 fintech startups worldwide. This figure has grown dramatically over the past few years (up from only around 12,000 fintech startups in 2019). See: KPMG: Canadian Fintech Investment Drops in 2022, Mentality Shift to ‘Sensible’ Growth Investment: Fintech industry investment has increased 3.5x since 2015 (KPMG) In 2012, investment in fintech totaled $4 billion. By the end of 2021, fintech investment reached $210 billion. Venture capital distributions by sector funding: #1 Capital markets $8.07 billion #2 Payments $6.03 billion #3 Wealth management $5.43 billion #4 Digital lending $3.97 billion #5 SMB $3.36 billion #6 Banking $3.27 billion #7 Real estate $2.42 billion #8 Insurance $2.30 billion Adoption: 90% of Chinese citizens use fintech banking, ...
Read More
Read More
March 21, 2023 If you don't plan, you're planning to fail, as the old business adage goes. It's a cliché, but those who are really committed to their achievement, especially traders, should treat those words as if they were carved in stone. If you ask every successful trader, the answer will likely be the same: you must strictly adhere to a predetermined strategy, or you will be doomed to failure. You're in the minority if you already have a detailed trading or investment strategy that will help your portfolio, and congratulations on that. Creating a viable strategy or technique for trading the financial markets is a lengthy process that requires much study and investigation. While there are no guarantees, you have removed a substantial obstacle. For those of you who haven’t done it yet, here is a comprehensive guide on how to do so in order to get solid results and improve your portfolio. Have a Clear Understand of the Market A solid understanding of the market you are going to trade on is vital for establishing a smart trading strategy. Being well-versed in the field of trading will equip you to comfortably deal with the abundance of data present ...
Read More
Read More
March 20, 2023 Bitcoin has become incredibly popular in Canada over the past decade. Celebrities keep tweeting about it. Casinos are now accepting it for payments while tech-savvy Canadians are buying it as an investment. In the online casino space, almost every website has bonuses for crypto users. Some of them also feature games created on the blockchain. What’s this commotion all about? How is Bitcoin benefiting online casinos in Canada? Fast and Secure Payments Slow, unsecured payments kill hundreds of businesses every year according to the Harvard Business Review. That’s why many new casinos are embracing crypto at such a fast pace. Bitcoin processes transactions in an average of 10 minutes. If you use an alternative coin like XRP, you can send money around the world in seconds. It doesn’t matter if you’re sending $10 or $1 billion worth of crypto—the blockchain system is lightning fast. It’s also secure. Bitcoin addresses are encrypted using cryptography. This means no one can decipher the data. Secondly, they’re stored on the blockchain, which is decentralized and impossible to hack. Although most crypto casinos accept bitcoin for deposits, some of them also accept Ethereum, Litecoin and Bitcoin Cash. Visit Bitcoincasinocanada.com to find the ...
Read More
Read More
CFPB | Mar 15, 2023 The Consumer Financial Protection Bureau (CFPB) issued a request for information on “data brokers,” “an umbrella term to describe firms that collect, aggregate, sell, resell, license, or otherwise share consumers’ personal information with other parties. See: Davos: Cooperation in a Fragmented World: In Data We Trust The CFPB is looking to better understand the “scope and breadth of data brokers’ business practices and the impact of those practices on the marketplace and peoples’ daily lives,” especially in relation to credit reporting and the requirements and intentions of the Fair Credit Reporting Act. Continue to view the announcement --> here Download the 13 page PDF RIF --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech ...
Read More
Read More
Reuters | Stefania Spezzati, Oliver Hirt and John O'Donnell | Mar 19, 2023 Move follows Swiss rescue of Credit Suisse and signals depth of concern over the global financial system Some of the world’s largest central banks came together on Sunday to stop a banking crisis from spreading as Swiss authorities persuaded UBS Group AG to buy rival Credit Suisse Group AG in a historic deal. UBS will pay 3 billion Swiss francs (US$3.23 billion) for 167-year-old Credit Suisse and assume up to US$5.4 billion in losses in a deal backed by a massive Swiss guarantee and expected to close by the end of 2023. Soon after the announcement late on March 19, the U.S. Federal Reserve, the Bank of Canada, European Central Bank and other major central banks came out with statements to reassure markets that have been walloped by a banking crisis that started with the collapse of two regional U.S. banks earlier this month. The Fed said it had joined with central banks in Canada, England, Japan, the EU and Switzerland in a coordinated action to enhance market liquidity. The banks said they would start offering daily loans in dollars to their banks to avert stress in ...
Read More
Read More
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