Energy consumption has become the latest flashpoint for cryptocurrency. Critics decry it as an energy hog while proponents hail it for being less intensive than the current global economy.
Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Research
Techlash continues to batter technology sector
Source: Felix Decombat
In our Brookings Press book, Turning Point: Policymaking in the Era of Artificial Intelligence published last year, John Allen and I note the backlash against technology that has reduced public support for many things digital. As an illustration, Pew Research Center surveys show people are worried about privacy intrusions, cybersecurity risks, and misinformation campaigns. Many individuals think the pace of technological change is advancing too rapidly and it is hard to distinguish fake from actual phenomena.
Now a new Edelman Trust Barometer poll shows how much more widely this “techlash” has spread. In the United States, trust in the technology sector has fallen from 78% in 2012 to 57% in 2021. Globally, tech sector trust has dropped from 77% to 68% during that time.
In less than a decade, according to that firm, the public has grown far more suspicious about misinformation, personal privacy, 5G networks, and AI bias, among other things.
The decline of public trust in the technology sector has profound consequences for how people view digitization and options for government oversight and regulation. The precipitous drop over the past year is noteworthy because of the crucial role technology has played in the pandemic response. Due to COVID-19, people have shifted to online learning, telemedicine, remote work, and e-commerce.
See: Edelman Canadian Trust Report: Trust declines in all sectors including 8% in technology
In this situation of widespread technology utilization to cope with the social distancing requirements of the pandemic, one might imagine the public would see the benefits produced in at least some of these areas would outweigh the costs and the risks. COVID-19 forced what otherwise might have been five years of digital change into five weeks. Nearly everyone has grown quite dependent on technology to work, learn, and communicate. That should have boosted public confidence in technology.
In the United States, trust in the technology sector has fallen from 78% in 2012 to 57% in 2021. Globally, tech sector trust has dropped from 77% to 68% during that time.
Yet the loss of trust suggests many are not happy with the role technology plays in their pandemic lives and feel there are many problems that need to be addressed. Although digital connections helped them work remotely, a number are suffering from Zoom fatigue, misinformation, privacy loss, and social isolation. A significant percentage seems to feel that tech risks outweigh benefits.
In addition, widely reported problems with online learning platforms have frustrated students, parents, teachers, and administrators. Rather than boosting confidence, these issues have eroded public trust. Although technology enables some types of learning, some experts have concluded students learned far less from online platforms than what would have been the case with in-person classrooms.
See: PwC Report: Canadian Digital Trust Insights 2021: Cybersecurity comes of age
If public opinion continues to trend in negative directions for the technology sector, both in the United States and around the world, it likely will broaden support for government actions that regulate technology, raise taxes, ban certain applications, and limit product rollouts seen as detrimental to humanity.
A lack of public confidence will encourage political leaders to take tough regulatory actions and limit the freedom private companies have had for decades to develop new products, bring them to the marketplace, and engage in international commerce.
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
 |  |  |
|---|---|---|
 |  |  |
Sustainable finance linked bonds and loans in the capital markets
Torys | David A. Seville, Janet Holmes, and Michael Murphy | Mar 23, 2021
Sustainable finance continues to gain momentum as governments and corporate issuers pay increasing attention to environmental, social and governance (ESG) factors and investors, regulators and other stakeholders encourage more robust ESG practices. Interest in sustainable finance accelerated in 2020, with the COVID-19 pandemic highlighting the need for funds to help economies, businesses and individuals recover in a responsible manner that addresses environmental and social challenges. The global market for sustainable finance totaled US$732 billion in 2020, up 29% from US$565 billion in 2019, with responding to COVID-19 ranking fifth in terms of value for use of proceeds among bonds issued in 2020, behind renewable energy, green buildings, access to essential services and clean transportation.
Market offerings in sustainable finance include green bonds, green loans, social bonds, sustainability bonds, sustainability-linked bonds and loans, transition bonds and Sustainable Development Goals-linked bonds (SDG-linked bonds). In this article, we discuss these instruments and relevant examples from the Canadian and global markets.
See: The Steps to Designing a more sustainable and digital economy
Green bonds: The proceeds of green bonds are exclusively applied to finance or re-finance new and/or existing “Green Projects” as defined by the Green Bond Principles issued by the International Capital Markets Association (ICMA). Green Projects should provide clear environmental benefits that can be assessed and, where feasible, quantified by the issuer. The green bond market dates back to the inaugural green bond issuance by the World Bank in November 2008 and is the most well-developed of the sustainable finance markets. These bonds require the issuer to deploy and track the use of proceeds according to a disclosed framework, develop a process for project evaluation and selection, and report on the deployment of proceeds.
Green loans: Green loans are similar to green bonds in that funds are made available exclusively to finance or re-finance new and/or existing eligible “Green Projects” as defined in the Green Loan Principles9 developed by the Loan Market Association. Green Projects are defined the same way under both the Green Bond Principles and the Green Loan Principles, thereby providing issuers with the flexibility to choose between debt financing options for Green Projects. You can read more about green loans and other sustainable loans in “Trends in ESG loans”.
Social bonds: The proceeds of social bonds are exclusively applied to finance or re-finance new and/or existing “Social Projects” as defined in ICMA’s Social Bond Principles. Social Projects include providing and/or promoting affordable basic infrastructure, access to essential services, affordable housing and food security.
See: 5 Drivers Behind the Sustainable Investing Shift
Sustainability bonds: Sustainability bonds are instruments whose proceeds are exclusively applied to finance or re-finance a combination of both Green Projects and Social Projects in accordance with ICMA’s Sustainability Bond Guidelines. Sustainability bonds may be an attractive option for issuers that would like the flexibility to allocate proceeds among Green Projects and Social Projects without having to issue separate bonds.
Sustainability-linked bonds and loans: Sustainability-linked bonds and loans differ from green bonds, green loans, social bonds and sustainability bonds in that the proceeds do not need to be used to finance Green Projects and/or Social Projects. Instead, the borrower’s achievement of (or failure to achieve) predetermined sustainability performance objectives (e.g., a reduction in greenhouse gas emissions, or increased use of renewable energy), external ratings and/or equivalent metrics can result in a decrease (or increase) in borrowing costs. These bonds require specified pre-issuance disclosure such as an overall sustainability strategy, identification of the precise targets and performance indicators, and post-issuance verification of performance.
Transition bonds: Transition bonds are similar to sustainability-linked bonds and loans in that they do not generally require proceeds to be used to finance or re-finance Green Projects. Instead, the proceeds of transition bonds are used to fund a firm’s transition towards a reduced environmental impact or to reduce the firm’s carbon emissions.
See: Podcast: How blockchain could revolutionize green finance in Asia
Transition bonds may be an attractive option for issuers that are taking meaningful steps to reduce their environmental impact but do not have significant projects that would qualify as Green Projects and therefore would be unable to issue green bonds. These bonds require the publication of a transition framework, disclosure in line with the TCFD recommendations, commitment to the goals of the Paris Agreement or approved targets to achieve zero emissions by 2050, and reporting on transition performance.
SDG-linked bonds: SDG-linked bonds include covenants based on the United Nations’ Sustainable Development Goals and the issuer is penalized if it fails to meet these covenants in the agreed timeframe.
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
| | |
|---|---|---|
| | |
Fed Chair Jerome Powell has outdated views on Bitcoin: cryptocurrencies are not just a substitute for gold
Kitco | Christina of CoinPayments | Mar 26, 2021
Federal Reserve Chair Jerome Powell is making waves in the cryptocurrency market after he threw some shade at bitcoin and other digital currencies, calling them simply speculative assets.
"Crypto assets are highly volatile and therefore not useful as a store of value. It is a speculative asset that is essentially a substitute for gold rather than for the dollar," Powell said on Monday in a panel discussion organized by the Bank for International Settlements (BIS).
Bitcoin and other cryptocurrencies can be volatile, but that is just a simple argument used to dismiss them. Unfortunately, Powell's opinions are incredibly outdated views of the cryptocurrency space.
Data compiled by CoinPayments, the world's largest crypto payment processor, shows that a growing tidal wave of merchants and consumers are embracing digital currencies as a form of payment, as an investment, and as a means of exchange. From the first quarter of 2019 to the fourth quarter of 2020, the North American cryptocurrency market saw a 300% increase in transactions as more businesses and merchants embraced digital currencies.
See: Global cryptocurrency spending grows 300% in two years
The reality is that current government and central bank policies have created a need for new currencies that protect people's wealth and preserve their purchasing power.
Central banks worldwide have embarked on ultra-loose monetary policies that aren't expected to end anytime soon. The reality is that we have no idea how these policies are going to impact the global economy. Still, many experts see the only outcome from all this money printing -- and added debt -- is inflation.
It's not just consumers that are embracing digital currencies as a new global currency. Last month, Tesla shocked the financial world after it announced that it was investing in bitcoin and accepting bitcoin as payment for its vehicles. The company said that it is looking at alternative assets as a hedge against growing currency risks in the marketplace.
"We transact business globally in multiple currencies and have foreign currency risks related to our revenue, costs of revenue, operating expenses and localized subsidiary debt denominated in currencies other than the U.S. dollar," the company said in its filing. "If we do not have fully offsetting revenues in these currencies and if the value of the U.S. dollar depreciates significantly against these currencies, our costs as measured in U.S. dollars as a percent of our revenues will correspondingly increase and our margins will suffer."
If companies are worried about a potentially weaker U.S. dollar, then the threat is genuine. With some companies sitting on trillions of dollars, it is not surprising they are going to start diversifying into cryptocurrencies. Unfortunately, the Federal Reserve will be left trying to catch up to the rest of the market.
See: Has COVID-19 made cryptocurrency more attractive for digital payment and investment?
It is challenging to dispute Tesla's outlook on the U.S. dollar. In the last 12 months the value of the U.S dollar against a basket of global currencies has lost 8%. During the same time bitcoin, the leading cryptocurrency, has rallied more than 800%
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
| | |
|---|---|---|
| | |
4 Use Cases for Midsize Banks Looking to Implement a Modern Data Management Solution
March 25, 2021
The finance sector is, in large part, very welcoming of big data solutions. This holds especially true for big banks, who have the budget and the infrastructure to accommodate the most cutting-edge data management software. But the investment may not be as easy to make for midsize banks, who typically have more modest coffers and serve smaller, more localized markets. Does it make sense for these banks to spend on cloud-based data management solutions? Of what use will these be given the way midsize banks operate?
Below are four practical use cases that may serve to answer these questions. These scenarios demonstrate how midsize banks benefit from a more solid data foundation, as well as data management strategies that are up to the times.
Use Case 1: Navigating Through Cumbersome Data Silos
Many midsize banks rely on legacy data management systems that may have worked best around a decade ago. Unfortunately, those systems often inherit data silos that hamper the bank’s data management capabilities.
A data silo refers to the restriction of data to only one group or department in the organization. There are several reasons as to why these data silos occur. For one, departments may not see eye to eye about their standard for maintaining quality data. For another, different business units may also be using different applications for their data. One group may be managing their data in a less technologically sound manner than another, which creates some cumbersome discrepancies.
See: How six companies are using technology and data to transform themselves
Regardless, these discrepancies can take big bites out of midsize banks’ bottom line. It takes time to gather and consolidate banking data from all of these disparate sources. That also means it takes longer to achieve a comprehensive view of the organization’s financial situation. This, in turn, may cause costly delays in the bank leadership’s decision-making.
A modern data management solution will address such problems commonly associated with data silos. It will allow midsize banks to consolidate their data on one platform and get a 360-degree view of where they stand in near-real time. Departments can adhere to a single source of truth, as well as a uniform standard for managing banking data, and be in sync. For midsize banks, that added agility with data will count for a lot.
Use Case 2: Streamlining an Increasingly Wide and Diverse Pool of Financial Data
Midsize banks may not have the same reach or the same powerful infrastructure as their larger counterparts. But big banks and midsize banks alike need to clear the challenge of handling increasingly large and complex pools of financial data. That’s a problem that a modernized data management solution can tackle for both of them.
If you work in a midsize bank, you may notice that even your customers from earlier generations are seeking more hybridized banking experiences. They may be leaning just as heavily on digital banking services as they do on face-to-face banking. As a result, their data profiles may not be as simple as they were before, and will definitely not be as simple to handle.
Your bank will need to meet challenges like these by onboarding more flexible and more robust data solutions. These will make the process of handling such a large and complex pool of data less burdensome on you. It will also make the prospect of growth a less frightening one for your midsize bank.
Use Case 3: Improving Enterprise-Wide Reporting on Risk and Treasury
Another key application of modernizing data management solutions for midsize banks is increased mastery over treasury and risk management. A more up-to-date data solution can make a midsize bank even better at balancing their sheets. The software can help staff manage data on cash flow, accounts payable, accounts receivable, and other matters pertaining to treasury.
See: Designing a data transformation that delivers value right from the start
A more up-to-date data management solution can also help a midsize bank adopt less passive, more proactive approaches to risk management. It will be easier to cull data on assets, liabilities, and equities, as well as to identify imminent financial risks to any of these. If this software is being used by your own midsized institution, it can help you flag potential credit risks or liquidity risks to your bank’s assets.
Use Case 4: Meeting Goals for Financial, Regulatory, and Risk Management Reporting
The last use case for a modern data management solution pertains to meeting the standard for financial reporting, especially to regulators. It must be noted that demands from regulators are never static. Regulatory bodies that govern midsize banks will likely become increasingly stringent about the latter’s data management capabilities, especially for issues like anti-money laundering (AML). They may also issue directives that are a response to the times, for example regarding the US’s Coronavirus Aid, Relief, and Economic Security Act (CARES). In this case, midsize banks will have to consolidate and report data on any heightened lending activities as a result of the COVID-19 pandemic. They will also have to report the risk management protocols they’ve implemented to mitigate risks brought about by this activity.
An upgraded data management solution will help your own institution stay in the good graces of your regulators. It will kickstart succinct, accurate, and timely financial reports of a standard that’s easy to replicate. Today’s solutions come with appealing templates that staff can simply “plug-and-play,” or customize for the occasion. All in all, the bank will be able to compile inclusive financial reports, in a quick and efficient manner, thanks to its new solution.
Final Words: The Promise of Big Data to Midsize Banks
In summary, midsize banks have quite a lot to gain from modernizing their current data management strategies. But this isn’t the kind of change that has to be overwhelming. A bank can adopt a data management solution that’s of the right scale, tailored to its own needs. This will allow it to operate with the same efficiency—and profit with the same consistency—as a bigger bank. At the same time, it can keep the size of operations and the homegrown appeal that’s unique to a midsize bank.
If you are a decision maker in a midsize bank, hopefully you’ve come away with a better understanding of how such solutions benefit you. Consider modernizing your own data management capabilities, and be better equipped to respond to the big data revolution in banking.
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
| | |
|---|---|---|
| | |
Accenture Report (Mar 2021): Collaborating to win in Canada’s fintech ecosystem
Accenture | Vikas Shreedhar | Mar 15, 2021
The Canadian fintech ecosystem
Despite the challenges brought about by the global pandemic, 2020 remained an exciting year for Canadian fintech. New partnerships were forged while international recognition continued to rise. Although investment slowed relative to 2019’s record highs, venture capitalists remain optimistic about future industry prospects, particularly given the country’s strong talent base and cross-border appeal.
See:
The Greater Toronto area continued to lead other Canadian hubs in terms of 2020 fintech deal and dollar volume, with hubs such as Montreal and Calgary accelerating their growth as well. Incumbents and startups alike found innovative ways to use their platforms to assist clients and the public at large during the pandemic as digital adoption among Canadians grew. As leading fintech hubs around the world roll out their innovation frameworks, Canadian policymakers and industry players continue to discuss a prudent and appropriate path forward.
Global fintech ecosystem benchmarking
Among 20 international fintech hubs examined, Canadian cities ranked amongst the fastest growing in the world in terms of investment. Our global benchmarking study found that Canadian hubs are also leaders when it comes to the primordial elements necessary to grow and sustain a successful innovation ecosystem, such as accommodative government business policies and strong talent.
Key themes for future ecosystem growth
- Coming Together to Win: working together at the intersection of respective strengths, developing shared standards, and investing in talent.
- Advancing the Innovation Agenda: investing in programs to encourage the growth and commercialization of Canadian innovation, while reducing and streamlining potential barriers.
- Striving for Global Ambitions: capitalizing on increasing global interest in Canadian fintech, and approaching the future with a “borderless” mentality.
Continue to the full article --> here
Download the 27 page PDF report --> 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
| | |
|---|---|---|
| | |
KPMG Pulse of Fintech Report H2 – 2020
KPMG | Feb 2021
2020 was a gamechanger. Words became action as the global pandemic made digitalization a critical priority for businesses of every shape and size. The same can be said for incumbent financial institutions, and most importantly, for consumers.
The changes we have seen this year will not likely stop when COVID-19 wanes. Around the world, people and businesses recognize the importance of agility and responsiveness. Companies across the financials services spectrum now understand what is at stake if they do not embrace digital innovation.
See: Global Fintech Ecosystem Report Launch | Top 20 Ranking
Whether you are the founder of a fintech or the CEO of an incumbent financial institution, it is time to ask: How can we use this once-in-a-lifetime moment to create the future we desire?
VC investment in fintech more than doubles in second half of 2020 – expected to remain strong into 2021.
Download this edition for:
- Global and regional analysis with key investment data and insights
- Top fintech trends for 2021 and beyond
- Interview with Bill Borden, Corporate Vice President, Worldwide Financial Services, Microsoft
- Fintech segment insights for a deeper dive into payments, insurtech, regtech, wealthtech, cybersecurity, blockchain and cryptocurrency
- Spotlight article on data management
Continue to the full article --> here
Download the 72 page PDF report --> Now
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
| | |
|---|---|---|
| | |
Cryptocurrency and energy consumption debate
TechCrunch | Leigh Cuen | Mar 21, 2021
Energy consumption has become the latest flashpoint for cryptocurrency. Critics decry it as an energy hog while proponents hail it for being less intensive than the current global economy.
One such critic, DigiEconomist founder Alex de Vries, said he’s “never seen anything that is as inefficient as bitcoin.”
On the other side of the debate, research by ARK Investment Management found the Bitcoin ecosystem consumes less than 10% of the energy required for the traditional banking system. While it’s true the banking system serves far more people, cryptocurrency is still maturing and, like any industry, the early infrastructure stage is particularly intensive.
The cryptocurrency mining industry, which garnered almost $1.4 billion in February 2021 alone, is not yet unusually terrible for the environment compared to other aspects of modern life in an industrialized society. Even de Vries told TechCrunch that if eco-conscious regulators “took all possible actions against Bitcoin, it’s unlikely you’d get all governments to go along with that” mining regulation.
“Ideally, change comes from within,” de Vries said, adding he hopes Bitcoin Core developers will alter the software to require less computational energy. “I think Bitcoin consumes half as much energy as all the world’s data centers at the moment.”
According to the University of Cambridge’s bitcoin electricity consumption index, bitcoin miners are expected to consume roughly 130 Terawatt-hours of energy (TWh), which is roughly 0.6% of global electricity consumption. This puts the bitcoin economy on par with the carbon dioxide emissions of a small, developing nation like Sri Lanka or Jordan. Jordan, in particular, is home to 10 million people. It’s impossible to say how many people use bitcoin every month, and they certainly use it less often than residents in Amman use Jordanian dinars. But CoinMetrics data indicates more than 1 million bitcoin addresses are active, daily, out of up to 106 million accounts active in the past decade, as tallied by the exchange Crypto.com.
See: How This Billionaire-Backed Crypto Startup Gets Paid To Not Mine Bitcoin
“We get the total population of unique bitcoin (BTC) and ether (ETH) users by counting the total number of addresses from listed exchanges, subtracting addresses owned by the same users on multiple exchanges,” said a Crypto.com spokesperson. “We then further reduce this number by accounting for users who own both ETH and BTC.”
That’s a lot of people using these financial networks. Plus, many bitcoin mining businesses rely on environmentally friendly energy sources like hydropower and capturing natural gas leaks from oil fields. A mining industry veteran, Compass Mining COO Thomas Heller, said Chinese hydropower mines in Sichuan and Yunnan get cheaper electricity during the wet season. They continue to use hydropower all year, he added, although it’s less profitable during the annual dry season.
“The electricity price outside of May to October [wet season] is much more expensive,” Heller said. “However, some farms do have water supply in other parts of the year.”
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
| | |
|---|---|---|
| | |
