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
Canada’s Ranks 15th on WIPO 2023 Innovation Index
Innovation | Nov 20, 2023
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The Most Innovative Countries in 2023 on Visual Capitalist
The 2023 Global Innovation Index by the World Intellectual Property Organization, which includes 190 UN member states and some non-members.. The innovation index uses seven pillars and 80 indicators to assess a country's innovative strength. These pillars include Knowledge & Tech Outputs, Human Capital & Research, Business Sophistication, Market Sophistication, Creative Outputs, Infrastructure, and Institutions.
Canada ranked 15th overall with a score of 53.8.
| Rank | Country | Score |
|---|---|---|
| 1 | 🇨🇭 Switzerland | 67.6 |
| 2 | 🇸🇪 Sweden | 64.2 |
| 3 | 🇺🇸 U.S. | 63.5 |
| 4 | 🇬🇧 UK | 62.4 |
| 5 | 🇸🇬 Singapore | 61.5 |
| 6 | 🇫🇮 Finland | 61.2 |
| 7 | 🇳🇱 Netherlands | 60.4 |
| 8 | 🇩🇪 Germany | 58.8 |
| 9 | 🇩🇰 Denmark | 58.7 |
| 10 | 🇰🇷 South Korea | 58.6 |
| 11 | 🇫🇷 France | 56.0 |
| 12 | 🇨🇳 China | 55.3 |
| 13 | 🇯🇵 Japan | 54.6 |
| 14 | 🇮🇱 Israel | 54.3 |
| 15 | 🇨🇦 Canada | 53.8 |
Top Innovative Countries
Switzerland leads the ranking for the 13th consecutive year, with a score of 67.6. It is followed by Sweden (64.2), the United States (63.5), the United Kingdom (62.4), and Singapore (61.5). These rankings reflect a combination of factors such as patent applications, high-tech exports, research talent, and entrepreneurship culture.
See: Firm Size and Innovation: A Double-Edged Sword
- Switzerland's top ranking is attributed to its business policies and scale of patent applications, along with world-class research institutions and skilled workforce.
- Sweden, ranking second, excels in business sophistication, knowledge-intensive employment, and researchers per capita.
- The United States, in third place, scores high in venture capital received, global corporate R&D investors, and total unicorn value.
- Singapore is the highest-ranked Asian country, known for its government effectiveness, venture capital, and business stability.
- Brazil (49th) and Mauritius (57th) lead in Latin America and Sub-Saharan Africa, respectively.
Image: Visual Capitalist
See the full list of rankings --> 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, artificial intelligence, 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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Moody’s Analytics on Stablecoin Depegging
Stablecoins | Nov 14, 2023
Image: Unsplash/CoinWire Japan
Moody's Analytics reports 609 instances of large fiat-backed depeggings so far in 2023, launches digital asset monitor tracking system
In 2023, the cryptocurrency market has witnessed a significant number of depegging events among large-cap stablecoins. Depegging refers to the fluctuation of stablecoin prices by more than three percent in a day against their fiat pegs, highlighting the volatile nature of these digital assets.
Stablecoins play a crucial role in the cryptocurrency markets, accounting for about 10 percent of the crypto market and most on-chain activity. However, their instability, as evidenced by frequent depegging events, poses significant risks. These events can cause market panic, as seen in May 2022 when TerraUSD's peg against the USD shattered, leading to substantial losses in the crypto market.
Moody's Launches Digital Asset Monitor
In response to the growing need for risk assessment tools in the volatile stablecoin market, Moody's Analytics has launched the AI-enabled Digital Asset Monitor (DAM). This tool is designed to predict the probability of a stablecoin depegging from a fiat currency within a 24-hour time horizon. The launch version of DAM tracks 25 fiat-backed stablecoins, including Tether, USDC, and PayPal Coin, which represent over 92% of the total stablecoin market capitalization.
See: UK’s Future Crypto and Stablecoin Regulation
Moody's DAM provides real-time insights into various aspects of stablecoins, including market and liquidity dynamics, the stability of the issuer, the custodians holding the stablecoin's assets, and the quality of these reserves. The tool combines off-chain and on-chain risk factors, leveraging Moody's expertise in global integrated risk assessment.
The Future
Despite the challenges posed by depegging events, the stablecoin market continues to grow and evolve. With tools like Moody's DAM and increased transparency in the sector, there is potential for greater stability and reliability in stablecoins.
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, artificial intelligence, 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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Dive into the Future with Ninepoint’s ‘Web3 Explained’ Series
Web3 | Nov 9, 2023
Are you ready to embark on a journey through the intricate and fascinating world of Web3?
Ninepoint Partners has just the ticket for you with their freshly launched Web3 Explained series, now available on YouTube, X, and LinkedIn. This 12-episode educational treasure trove is your gateway to understanding the revolutionary concepts shaping our digital future.
See: Blockchain Coalition Report: The State of Web3 in the U.S. – State by State Analysis
Hosted by the insightful Alex Tapscott, each episode delves into the key components of Web3, from the complexities of digital assets and the intricacies of decentralized finance (DeFi) to the creative explosion in non-fungible tokens (NFTs) and the boundless possibilities of the Metaverse.
Web3 Explained Video Series
Episode 1: The Internet is Entering a New Era
Episode 2: What is Web3?
Episode 3: What went wrong in Web2?
Episode 4: Four Principles for a Better Web
Episode 5: Tokens: The Native Asset Class of Web3
Episode 6: The Ninepoint Web3 Innovators Fund
Episode 7: Web3 and the Enterprise
Episode 8: Web3 and Financial Services
Episode 9: Entering a New Digital Age
Episode 10: Understanding Web3 in a Historical Context
Episode 11: Giving the Metaverse a ‘Second Life’
Episode 12: Web3 and the ‘Virtual You’
In a world where the digital landscape is constantly evolving, staying informed is a necessity. Here's the Trailer:
Explore the Series 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, artificial intelligence, 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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CB Insights Global Fintech Q3 2023 & Canada Spotlight
Report | Nov 9, 2023
According to the latest CB Insights report Q3, global fintech funding saw a 3% decrease quarter-over-quarter, settling at $7.4 billion, with deal numbers dropping by 18%.
Despite this, the year-to-date figures remain robust, with $30.5 billion funded across 2,849 deals.
Global Fintech Funding and Investment Trends
- The global fintech funding for Q3 2023 was $7.4 billion, down 3% quarter-over-quarter (QoQ), with the number of deals falling by 18% QoQ.
- The total fintech funding reached $30.5 billion across 2,849 deals in 2023 year-to-date (YTD).
- The US leads in quarterly funding and deals in Q3 2023, with Canada's fintech funding at $0.1 billion across 15 deals.
- The US accounted for nearly half (47%) of all quarterly fintech funding in Q3 2023, with Asia following at 27%.
- The median deal size globally has decreased in 2023 YTD, with LatAm being the only region to see growth in median deal size.
See: Discover the Future of Finance with Michael King’s “Fintech Explained”
- Digital lending leads in funding, while insurtech leads in deals in Q3 2023.
- There were three new fintech unicorns in Q3 2023, maintaining the same pace as the previous quarter and bringing the total fintech unicorn count to 312.
- Mega-round funding rose by 50% QoQ to hit $2.4 billion across 14 deals, although this was still the second-lowest quarter for mega-round funding since 2016.
- The report also notes a general decrease in the global average and median deal size in 2023 YTD, indicating a trend towards smaller, more strategic investments across the fintech landscape. Despite this, the fintech sector continues to attract significant investment, reflecting confidence in its long-term potential.
Global Sector Specific Updates
- Digital lending saw the largest funding jump in Q3 2023, indicating a strong investor interest in platforms that offer digital loans. This sector's funding boost was driven in part by mega-rounds, which brought in more than half of the sector’s quarterly funding. For example, India-based data analytics solution Perfios raised the largest digital lending round with a $229 million Series D.
- Insurtech followed digital lending with a 22% increase in funding. This sector led in the number of deals, with 119 deals amounting to $1.1 billion in Q3 2023, showcasing the growing interest in technology-driven insurance services. See:
See: 2023 Canadian Insurtech: What You Need To Know
- The payments sector also remained a significant area of interest, with 73 deals totaling $1.1 billion. This demonstrates the ongoing demand for innovative payment solutions in a world that is increasingly moving towards cashless transactions.
- Wealth tech, which includes technology that assists with investment, personal finance, and wealth management, saw 33 deals with a total funding of $0.2 billion.
- The banking sector, encompassing digital banks and banking technology providers, had 20 deals and raised $0.3 billion.
- Capital markets sector, which includes technologies for trading, investments, and other capital market functions, had 24 deals with a total funding of $0.3 billion.
Canadian Fintech Spotlight
In Canada, fintech funding mirrored the global trend with a modest $0.1 billion across 15 deals in Q3 2023. Despite the global downturn, the Canadian fintech ecosystem has shown resilience. The median deal size in Canada, as in many other regions, has seen a decrease in 2023 YTD, reflecting a broader trend of smaller, more strategic investments.
See: KPMG Report H1 Canadian Fintech Funding: Echoes Early COVID-19 Days with Dramatic Investment Plunge
The Canadian fintech sector, while small in global comparison, is a hub of innovation. The country's financial institutions and startups have been quick to adopt and integrate new technologies, from blockchain to AI, to improve customer experiences and operational efficiency.
Top Q3 Equity Deals in Canada
- Mindbridge: Secured a Growth Equity round of $60 million on July 25, 2023. The investors were not disclosed in the summary.
- Local Logic: Raised $13 million in a Series B round on August 2, 2023. The investors included Groundbreak Ventures, Investissement Quebec, Cycle Capital, Jones Boys Ventures, and Shadow Ventures.
- Foxquilt: Garnered $12 million in a Seed VC round on July 25, 2023. The specific investors for this deal were not mentioned in the summary.
- Radiant Capital: Obtained $10 million in a Series A round on July 20, 2023. The investors were not listed in the summary.
See: How AI is Shaping the Future of Financial Services in Canada
- Niricson: Raised $7 million in a Venture Capital round on August 2, 2023. Investors included MUUS Climate Partners, Sustainable Development Technology Canada, Bentley Systems, and Forward Venture Capital.
- FlipGive: Both on September 5 and August 31, 2023, FlipGive raised $4 million in a Series B round. The investors included BDC Capital and Framework Venture Partners.
- Bequest: Secured $3 million in a Seed VC round on July 4, 2023. The summary did not specify the investors.
- Octav: Also raised $3 million in a Seed VC round on September 12, 2023. The investors were not disclosed.
- Lexop: Raised $1 million in an undisclosed round on September 13, 2023. The investors were not mentioned.
- Peloton: Secured $1 million in a Convertible Note round on July 10, 2023. Specific investors were not listed.
- Trolley: Raised $1 million in a Seed VC round on July 24, 2023. Investors included Nyca Partners and Mark Cuban.
These deals reflect a diverse range of investment stages and sectors within the Canadian fintech landscape, indicating a healthy mix of early-stage innovation and growth-stage expansion.
Conclusion
In conclusion, while the global fintech funding has seen a slight contraction, the sector's overall health remains strong.
See: OSC/EY Report: AI in Fintech Use Cases
The Canadian fintech ecosystem continues to grow, driven by a wave of innovation and strategic investment. The fintech industry's adaptability and resilience are likely to continue, underpinning its critical role in the broader financial services landscape.
Download the full 191 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, artificial intelligence, 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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Discover the Future of Finance with Michael King’s “Fintech Explained”
Book | Nov 9, 2023
The National Crowdfunding & Fintech Association of Canada (NCFA) is thrilled to announce the release of "Fintech Explained," the latest book by esteemed NCFA Advisor Michael R. King.
Published by the University of Toronto Press, this comprehensive guide is an essential read for anyone looking to navigate the complexities of the fintech industry.
About the Book
"Fintech Explained" offers a rigorous yet accessible introduction to the transformative world of financial technology. Spanning 396 pages and featuring 36 black & white figures and 49 tables, the book delves into the customer focus, innovation strategy, business models, and valuation of leading fintechs across various domains, including cryptocurrencies, decentralized finance (DeFi), crowdfunding, online lending, robo-advice, digital wealth management, payments, insurtech, digital banking, and bigtech.
See: Fintech Fridays EP36: Techfins with Michael King, Lansdowne Chair in Finance, Gustavson School of Business at UVic
Michael R. King, an associate professor and Lansdowne Chair in Finance at the University of Victoria, co-founder of Canada’s first fintech research center, the Scotiabank Digital Banking Lab, profiles the successes and failures of over thirty high-profile fintechs. The book combines insights from founders, early-stage investors, financial incumbents, and other stakeholders in this dynamic ecosystem.
Why You Should Read It
"Fintech Explained" is not just a textbook; it's a narrative that captures the entrepreneurial spirit and disruptive innovations shaping financial services. The book is praised by industry leaders and academics alike for its clear descriptions, case studies, and the latest findings from academic research.
Craig Asano, Founder and CEO of NCFA, endorses the book as an "unparalleled guide in an era of rapid change," essential for anyone interested in the future of finance.
"The most impressive feature of Michael King’s Fintech Explained is its breadth of scope. While so many others focus –often exclusively – on digital assets, blockchain technology, dominant players in the cryptocurrency realm, and DeFi, this book goes well beyond. Fintech, we learn, is just as much about robo-advising, online lending and crowdfunding platforms, insurtech, and bigtech financial services. Michael’s analytical strengths shine through as he deconstructs the business models and economic foundations underlying the value propositions in fintech world. And all of it is done in an accessible, everyday language that ensures it is worthy for all eager to build up their fintech bona fides." - Andrew Graham, Co-founder and CEO, Borrowell
See: a16z: Big Fintech Ideas to Tackle in 2023
Grab Your Copy
Available in paperback, hardcover, and eBook formats, "Fintech Explained" is a must-have for students, executives, and professionals eager to understand the fintech revolution. Don't miss out on the opportunity to equip yourself with the knowledge to thrive in the evolving landscape of financial services.
Add "Fintech Explained" to your library today!
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, artificial intelligence, 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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Embedded Finance: Banking Meets the Customer
Embedded Finance Research | Nov 6, 2023
Courtesy of Visa Consulting & Analytics
Embedded finance is revolutionizing the way consumers and businesses interact with financial services from lending to wealth management, and embedding them into the very platforms we use daily.
The Visa Consulting and Analytics Team (VCA) has published a report titled 'Embedded Finance - What are the emerging opportunities in this new value chain' covering key players, trends, and various examples where financial services are seamlessly integrated into non-financial digital platforms.
The Essence of Embedded Finance
Embedded finance is the integration of financial functions into environments where they were previously unavailable. Imagine buying a car from an online retailer and getting loan approval on the spot, or a gig worker receiving payments on a virtual card without ever having to visit a bank. This is the power of embedded finance – it brings banking to the customer, rather than bringing the customer to the bank.
See: Marqeta 2023 State of Payments Report: Rise of P2P Payment and Embedded Financial Services, & Hybrid Future?
Key Players in the Value Chain
- Providers: These are typically financial institutions or fintech companies that offer financial products and services through application programming interfaces (APIs).
- Enablers: They are the middleware, offering the necessary software and regulatory support to bridge providers with distributors.
- Distributors: These are the non-financial platforms – such as e-commerce sites, gig economy platforms, or even social media apps – where consumers congregate and transact.
Key Trends
According to Visa Consulting & Analytics, the embedded finance market is poised for explosive growth, with a projected compound annual growth rate of 23.9%, reaching a staggering US$776 billion by 2029. This growth is fueled by three emerging trends:
- Deep Integration of Payment Solutions -> Payment options are becoming more ingrained in the merchant ecosystem, exemplified by Grab's e-wallet, Grab Pay, which rewards users for in-app payments.
- Rise of Unsecured Embedded Lending -> There's a burgeoning demand for unsecured lending, particularly in emerging markets where flexible lending solutions are in high demand.
- White-Label Solutions -> Smaller merchants are turning to third-party white-label solutions for embedded payment systems, allowing them to compete without the need for extensive resources.
Embedded Finance Examples
See: BCG and QED Investors Global Report: Reimagining the Future of Finance 2023
These examples showcase how embedded finance is being utilized across different sectors to provide value-added services, often leading to enhanced customer experiences and new revenue streams for businesses.
- Payments: Shopify Payments allows merchants to accept credit cards directly on their Shopify store without having to integrate third-party payment providers. This streamlines the process for both the merchant and the customer, providing a seamless checkout experience. (See: VoPay Launches VoPay360 – Embedded Financial Technology)
- Lending: Affirm's integration with online retailers enables customers to apply for and receive financing at the point of sale. This allows customers to make purchases immediately and pay for them over time through installment loans.
- Issuance: Stripe Issuing lets businesses create, manage, and distribute virtual or physical cards. This can be used for managing company expenses, enabling online spending for customers, or providing flexible payment options.
- Deposits: Rideshare companies like Uber or Lyft offer drivers the ability to open an account through their app, where they can deposit their earnings. In some cases, these platforms partner with banks or fintech firms to offer these banking services.
- Insurance: Lemonade provides API-based home insurance that can be integrated into real estate websites. When someone rents or buys a property, they can immediately purchase insurance coverage as part of the transaction process. (See: Duuo by Co-operators: A New Era of Embedded Insurance for Canadian Businesses)
- Wealth Management:Wealthfront and Betterment offer robo-advisory services that can be integrated into banking apps or financial management platforms, allowing users to access wealth management services and receive personalized investment advice based on their financial data.
The Impact on Financial Institutions
For traditional financial institutions, embedded finance represents both a challenge and an opportunity. Banks and credit unions must adapt to this new paradigm by becoming more agile, embracing API-driven architectures, and forging strategic partnerships with non-financial platforms. By doing so, they can tap into new customer segments and create alternative revenue streams.
The Role of Regulation and Technology
Regulatory frameworks like open banking have catalyzed the growth of embedded finance by mandating the sharing of financial data in a secure and standardized manner. Meanwhile, advancements in technology, particularly in API infrastructure, have lowered the barriers to entry, allowing even small players to offer sophisticated financial services.
Download the 13 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, artificial intelligence, 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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U.S. RegCF Trends: Investment Engagement by Age
Investment Crowdfunding | Nov 2, 2023
Crowdfund Capital Advisors Founding Partner, Sherwood Neiss (NCFA Advisor) has released another data-driven update on Regulated Crowdfunding (RegCF) in the US. This time looking at investment trends by age bracket.
RegCF (otherwise known as Equity Crowdfunding) has emerged as a democratic force in the investment domain, enabling both retail and accredited investors across America to participate in the funding of startups and small enterprises. Since its establishment in 2016, this sector has demonstrated impressive growth, diversifying the investment ecosystem and offering a wealth of data on investor behavior across various demographics.
Investor Engagement
A thorough analysis, conducted in collaboration with three major online investment platforms—Wefunder, StartEngine, and Republic—has provided a granular view of investor engagement and capital deployment.
Wefunder leads with higher average investments across all age groups, particularly excelling in the 40-49 age bracket.
Republic, with its lower average investment, attracts a younger demographic, boasting twice the average number of investors under 30.
StartEngine strikes a balance, with a fairly even distribution of investors across the 30-59 age groups, maintaining a consistent average investment size.
- Together, these platforms represent 71.2% of the industry’s volume since its inception.
- The data reveals that individuals in the 30-49 age bracket are the most active investors, making up 49.7% of all participants.
- This demographic’s engagement suggests a strong connection to the entrepreneurial world and a potentially higher risk tolerance.
See: Celebrating 7 Years of Regulation Crowdfunding: 4100 Startups Now Valued at $60 Billion
Capital Deployment
- The 40-59 age group leads the pack, contributing a substantial 50.9% of the total capital.
- This trend underscores the financial robustness of individuals in their prime earning years.
- However, a noticeable tapering off in investor numbers in the subsequent age groups, particularly among those aged 50-69, indicates a shift in financial priorities and risk tolerance as retirement looms.
Investment Trends Across Age Groups
- The investment landscape further reveals a trend of increasing average investment amounts with age, reaching its zenith in the >70 age bracket.
- This pattern suggests a greater financial capacity or willingness to invest more money in crowdfunded ventures among older individuals.
- As such, 18-29 age group exhibits lower average investments, a trend that can be attributed to financial limitations and reduced disposable income typical of early career stages.
See: Equity Crowdfunding Demystified: Insights from Wefunder and Equivesto
Conclusion
Understanding the investment behaviors across different age demographics and platforms can give both entrepreneurs and investors valuable insights to optimize platform selection and participation to increase their chance at succeeding in this growing area.
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, artificial intelligence, 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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