Category Archives: Research

[Event Nov 26, 2020]: Innovations in Financial Literacy and Education

Financial Literacy Committee

 

Financial literacy event - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education

You're invited - Event Details

Thursday, November 26, 2020 1:00 PM EST

Register for this event --> here

 

As we mark the 10th anniversary of Financial Literacy Month, the Financial Consumer Agency of Canada (FCAC) is pleased to invite you to a dynamic event organized specifically for financial literacy stakeholders. This 90-minute session will focus on innovative, research-based approaches to financial literacy and feature guest speakers who will share expert insights and perspectives, followed by a panel discussion.

Financial literacy event speakers - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education

Moderator:  Supriya Syal, Deputy Commissioner, Research, Policy and Education, FCAC

Panelists:

Rebecca Balcerzak, Senior Project Officer, Families Canada

Ruth Stephen, Director, Strategic Policy, Research & Experimentation, FCAC

Rim Charkani, CEO, WALO                                      

Dilip Soman, Director, Behavioural Economics in Action Research Centre Rotman School of Management

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NCFA Jan 2018 resize - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education 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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Luge Capital Canadian InsurTech Report & Event

Luge Capital | Gisele Karekezi | Nov 18, 2020

BookMockUp Luge 1200x628 002 - Luge Capital Canadian InsurTech Report & Event

Luge Capital just released our Status of the Canadian InsurTech Landscape report today. It is an in-depth analysis of InsurTech technology trends, startup activities, venture funding as well as Luge’s perspective on future innovation and investment opportunities in the Canadian insurance industry.

You can check out the report HERE.

Luge Insurtech Image Social 1200x628 R04 002 - Luge Capital Canadian InsurTech Report & Event

We are also hosting a webinar event to dig deeper into InsurTech investment trends and future opportunities with speakers from Liberty Mutual Strategic Ventures, Anthemis Group, Manulife Capital Ventures and Eos Venture Partners on December 1st, 4pm ET.

We would love to have you join us. Register

 

 


NCFA Jan 2018 resize - Luge Capital Canadian InsurTech Report & Event 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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CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!



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Book Launch (Nov 17, 2020): The Technological Revolution in Financial Services: How Banks, Fintechs, and Customers Win Together

Michael King | Nov 16, 2020

Tech Revolution in Financial Services book cover - Book Launch (Nov 17, 2020):  The Technological Revolution in Financial Services: How Banks, Fintechs, and Customers Win Together

The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry, in the form of entrepreneurial fintech start-ups to large, non-financial technology-based companies.

The Technological Revolution in Financial Services is an invaluable resource for those eager to understand the evolving financial industry. This edited volume outlines the strategic implications for financial services firms in North America, Europe, and other advanced economies. The most successful banks, insurance companies, and asset managers will partner with financial technology companies to provide a better and more innovative experience services to retail customers and small businesses. Ultimately this technological revolution will benefit customers and lead to a more open and inclusive financial system.

Book Launch Webinar

Nov 17, 2020 03:00 PM

Free to register --> here


NCFA Jan 2018 resize - Book Launch (Nov 17, 2020):  The Technological Revolution in Financial Services: How Banks, Fintechs, and Customers Win Together 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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CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!



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Renewing the National Strategy for Financial Literacy

Government of Canada - Let's Talk Financial Literacy | Nov 10, 2020

Financial Literacy - Renewing the National Strategy for Financial LiteracyFive years ago, we launched our country’s first-ever National Strategy for Financial Literacy — Count me in, Canada(External link). It is now time to update the strategy to make sure it reflects the evolving needs of Canadians and our changing world, which includes the impact of COVID-19 and ongoing economic turbulence.

As we live through these challenging times, managing finances has never been more important. The COVID-19 pandemic has caused unprecedented impacts on Canadians and the economy. Health and financial concerns, layoffs, physical distancing rules and lock-down measures have made it harder for some Canadians to pay bills on time, manage their debts and save for unexpected expenses.

See:  Financial Consumer Agency of Canada launches renewed Consumer Protection Advisory Committee

While it’s not the entire solution, we know that understanding your finances can help. A large body of research demonstrates that personal financial habits contribute directly to an individual’s overall financial well-being. When people are able to invest in strengthening their financial literacy, they feel better about their finances and the benefits are immediate and far-reaching.

We want to hear from you

We want your feedback on how all Canadians can strengthen their financial literacy as we embark on the renewal of the National Strategy for Financial Literacy.

Your input will help ensure the renewed strategy is inclusive, relevant and accessible for all Canadians.

Provide your input until December 7, 2020:

Consultation paper and background information

We have developed a consultation paper to both present ideas and gather feedback. It includes questions for your consideration, as well as background documents for more context. Read them before you participate:

Continue to the full article --> here

 


NCFA Jan 2018 resize - Renewing the National Strategy for Financial Literacy 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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Cryptocurrencies vs. Precious Metals: Which is the Better Investment?

Guest Post | Nov 9, 2020

Bitcoin versus precious metals - Cryptocurrencies vs. Precious Metals: Which is the Better Investment?

Cryptocurrencies are the alleged future of money, while precious metals are a longtime stead in the investment space. With so much debate between the two, which is the better investment? We’re going to break down the pros and cons of each so you can make the best decision for you.

The Pros of Investing in Cryptocurrencies

Cryptocurrencies like Bitcoin, Ethereum, and others are supposedly on the up. These projects are so early in their development that enthusiasts argue it’s the best time to invest. After all, if Bitcoin ends up replacing fiat money, it should be worth significantly more than now, right?

Aside from simple value, cryptocurrencies aren’t controlled by any one entity. There’s no government or other group in control of these assets. To many, that’s a significant plus. What happens to their value is based purely on the money flowing in and out. A government can’t choose to print millions more, diluting its value.

There are also tons of ways to easily invest in digital assets, as well as various use cases. Most popular ones are available on exchanges like Coinbase and Binance - each of which are easily signed up for. Some are physically-backed, like Goldcoin, while others serve as entryways into new digital ecosystems like Ethereum.

These use cases represent a variety of incentives to invest within. Just choose the one you believe in most, and go from there. Some even provide other earning potential, especially proof-of-stake cryptocurrencies. With these, you can earn interest on your investment similar to a savings account.

The Cons of Investing in Cryptocurrencies

Of course, the world of cryptocurrencies is largely untested. If you’re not careful, many projects end up being scams, and you can lose your investment. Even then, some initially promising projects might be poorly managed, resulting in a failure years down the line. This happens more often than not in the crypto space.

That and the volatility of cryptocurrencies can be a turn off for many. Even projects like Bitcoin see drastic price fluctuations on a daily basis. Considering the market is on 24/7, a massive price drop can happen in your sleep. Some might be fans of the potential for short-term gains, but many are wary for good reason.

It’s important to note that storing cryptocurrencies can be confusing. If not done properly, you can lose your assets forever. Those not technically inclined will surely want to invest elsewhere at risk of losing their funds.

The Pros of Investing in Precious Metals

Precious metals are a tried and true investment method. Investors have been putting their funds in assets like gold, silver, platinum, and more for centuries. That longevity means precious metals are always a safe investment. This isn’t to mention their continued use case in things like automobile and jewelry production, of course.

Most precious metals have a decent rate of return as well, with silver being one of them. In fact, silver’s fluctuation is so varied that it’s recommended you start. It’s quite easy to buy silver, too, with many online platforms offering the asset.

Precious metals - especially gold - are also seen as a great way to hedge against financial recession. Gold holds its value for quite some time, to the point where it’s safe to do so for many.

Most precious metals come in various formats, too. Gold and silver can be purchased in bullion or coin format. Others usually offer the same.

The Cons of Investing in Precious Metals

While precious metals are certainly less risky than cryptocurrencies, there are some negatives to them. For example, purchasing coins and bullion might cost you a premium. That extra fee can vary based on where you buy from, but some might try to scam you.

It’s also somewhat expensive to store precious metals - especially gold bars. Purchasing the asset is only the start. All of these additional fees can really add up, especially if you’re new to the scene.

See:  6 Things to Consider Before You Make Investing Decisions

Each precious metal has its own volatility rate, as well. For those looking to profit in the short-term, they must be cautious about which to invest in. Otherwise, their investment will sit at a similar price for a while, especially with gold.

Of course, whatever you decide to invest in is up to you. There’s no right answer as to which is best. It all depends on your situation and what you can afford. A smart investment will almost always result in a profit, however.

 


NCFA Jan 2018 resize - Cryptocurrencies vs. Precious Metals: Which is the Better Investment? 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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CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!



FFCON20 Pitching and Demo Winners - Cryptocurrencies vs. Precious Metals: Which is the Better Investment?



NCFA COVID 19 letter to government to support Fintechs and SMEs - Cryptocurrencies vs. Precious Metals: Which is the Better Investment?

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ASC Updates Raising Capital for Small Businesses Resource: Fostering Alberta’s New Economy

Alberta Securities Commission | Denise Weeres | Oct 29, 2020

ASC capital raising for small businesses resource page - ASC Updates Raising Capital for Small Businesses Resource:  Fostering Alberta’s New EconomyASC has just rolled out some new, plain language, Small Business web-content intended to help entrepreneurs and their advisors navigate the securities law requirements when raising capital through the sale of shares or other securities.  It provides some key terms, frequently asked questions, overview of common capital raising exemptions, some tips and traps.

Many factors are impacting and changing Alberta’s capital market and economy. Efforts are being taken to strengthen and to help expand and diversify the Alberta economy. There are a multitude of parties engaged in these strengthening and diversification efforts. The Alberta Securities Commission (ASC) is Alberta’s securities regulator. We are responsible for protecting investors and fostering a fair and efficient capital market.

The ASC supports these economic efforts by ensuring appropriate securities regulation that protects investors, and fosters a vibrant capital market that facilitates access to capital by Alberta businesses and investment opportunities for Alberta investors. Our goal is to find the right balance of appropriately protecting investors without unduly burdening the businesses trying to raise capital to build and grow.

See:  ASC adopts Start-up Crowdfunding Blanket Order

By engaging with market participants, ASC staff can better understand the challenges small businesses face in accessing capital.

The ASC’s various external advisory committees, including its New Economy Advisory Committee, help the ASC build connections in the community, obtain valuable insight from industry and explore how securities regulation can evolve to support economic diversification, while still providing appropriate investor protection.

Sources of Money

There are a variety of ways in which an entrepreneur may obtain the capital needed to operate their business, such as:

  • their own savings and financial resources, often referred to as ‘bootstrapping’,
  • relying on trade credit,
  • loans from banks, credit union or other financial institutions,
  • government grants or loans,
  • investments by investors, whether through shares, loans, revenue sharing arrangements or the distribution of other securities.

As Alberta's securities regulator, the ASC’s focus is on the last method, raising money through the sale of securities.

If you are trading any of the broad array of products that constitute securities or derivatives, then securities law applies to you!

Resources and Education

Continue to the full article --> here

 


NCFA Jan 2018 resize - ASC Updates Raising Capital for Small Businesses Resource:  Fostering Alberta’s New Economy 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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Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation

Crowdfund Insider | JD Alois | Oct 28, 2020

aa - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech RegulationThe Cambridge Centre for Alternative Finance (CCAF), the leading research institute covering the global Fintech sector, has partnered with the World Bank on a study reviewing the impact of COVID-19 on Fintech and regulation.

As finance is one of the most regulated sectors of industry in the world, the ongoing COVID-19 health crisis has affected the pace of regulatory innovation. The CCAF/World Bank research tallied responses from 118 central banks and other financial regulatory authorities in 114 jurisdictions worldwide, revealing that the majority of these institutions have accelerated change recognizing the benefits of Fintech during a time of economic duress.

See: 5 Trends to Watch in Fintech Regulation

According to CCAF, 72% of respondents have either accelerated or introduced initiatives on digital transformation with 58% having either accelerated or introduced initiatives regarding Regtech/Suptech. Additionally, 56% of respondents did so in regard to Fintech innovation offices.

The Global COVID-19 FinTech Regulatory Rapid Assessment Study indicated that regulators in jurisdictions with higher Covid-19 requirements are more likely to have accelerated their regulatory sandbox initiatives (42%) compared to those in lower stringency jurisdictions (33%).

The report notes that Fintech innovation can play a “vital role in extending the reach and widening the access of financial services.” Government mandates requiring social distancing and lockdowns have accelerated the digital transformation of financial services.

See: Fintechs to play an “even more important” role coming out of lockdown, says British Business Bank

Fintech has already helped to bring access to financial services to millions of consumers and MSMEs (Micro, Small, and Medium Enterprises) around the world. COVID has dramatically impacted the global economy but Fintech can help alleviate some of these woes.

Philip Rowan, Lead in Regulatory Innovation at the CCAF, explained that COVID-19 has been catalytic in pushing Fintech up the agenda for regulators and is affecting regulatory approaches, practices, and processes:

“The increasing digitalization of financial services will require parallel innovation and transformation in financial regulation and supervision, encompassing not only technology but also changes in mindset and culture.”

Over half of the surveyed regulators in advanced economies said prioritization of Fintech has remained high. Central banks are more likely to have increased the efforts of their Fintech work relative to other financial regulators (65% among central banks vs 38% among other financial regulators).

See: Fintech Acquisitions Show Sector Strength Despite Covid-19

These regulatory changes are taking place as 60% of responding regulators have observed strong increases in the use, or offering, of many FinTech products and services since the outbreak of the pandemic.

Caroline Freund, Global Director of Trade, Investment and Competitiveness at World Bank Group, said the research was undertaken in order to better understand the experiences of regulators as they face the impact of COVID-19 and increased utilization of Fintech.

“The findings show that COVID-19 has in many cases accelerated policies and programs that support a shift to digital finance, such as innovation offices and regulatory sandboxes,” said Freund.

The study also highlights that regulators are taking actions as they see rising risks in the Fintech market during Covid-19 concerning cybersecurity (78% referencing as a top-three risk), operational risks (54%), consumer protection (27%), and fraud and scams (18%).

gogo - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation

The coronavirus has heightened the need for traditional financial services firms to focus more energy on innovation while early-stage Fintechs have stepped up to fill the gap in financial transaction needs

Continue to the full article --> here

View the Global COVID-19 FinTech Regulatory Rapid Assessment Study --> here

 

 


NCFA Jan 2018 resize - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation 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

Latest news - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech RegulationFF Logo 400 v3 - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulationcommunity social impact - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation

CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!



FFCON20 Pitching and Demo Winners - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation



NCFA COVID 19 letter to government to support Fintechs and SMEs - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation

NCFA Newsletter subscribe600 - Cambridge Centre for Alternative Finance and World Bank – Study COVID Crisis and Impact on Fintech Regulation