Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Voices
Delaware Judge Squashes Elon’s $56 Billion Tesla Pay Package
News | Feb 5, 2024
Image by Freepik
A Delaware judge has invalidated Elon Musk's $56 billion Tesla pay package, labeling it as "an unfathomable sum" and unfair to shareholders.
This decision, subject to appeal, could lead to governance changes within Tesla, particularly in how the board oversees Musk. The ruling emphasizes concerns regarding the independence of board members and their decision-making processes. This event occurs as Tesla faces growth slowdowns and the electric vehicle sector reassesses demand, potentially affecting Tesla's future valuation and governance structure.
See: Will Elon’s X Become A Fintech Super App in 2024?
The recent ruling by a Delaware judge voiding Elon Musk's $56 billion Tesla pay package raises significant questions about Tesla's governance and Musk's influence over the company. This ruling, alongside other developments, could have implications for Tesla's valuation and governance moving forward.
Elon Musk's expansive role and influence at Tesla, as highlighted in recent reports, suggest potential governance and fiduciary duty concerns. Musk's comments on shifting AI and robotics development outside Tesla unless he gains more voting control have raised alarms about potential conflicts of interest and the diversion of opportunities from Tesla to Musk's other ventures. This development underscores the complexity of Musk's involvement across multiple companies and the potential impact on Tesla's strategic direction and shareholder value.
Governance in Focus
Activist investors are increasingly focusing on Tesla's governance practices following the court's decision. With resolutions proposed at the upcoming shareholder meeting to simplify the process for major corporate changes and to require annual re-election of directors, there's a growing momentum for governance reform. This movement is partly fueled by criticism of the board's perceived lack of independence and its alignment with Musk's interests, highlighting the ongoing debate over corporate governance and shareholder rights at Tesla.
See: 3 Bank ‘Sell-down’ Pact at Elon Musk’s X?
Furthermore, Tesla's governance and Environmental, Social, and Governance (ESG) monitoring have been under scrutiny, especially following the SolarCity acquisition, which was criticized for potential conflicts of interest and questioned for its strategic value. This and other events have led to calls for more stringent governance reforms, emphasizing the need for independent board oversight and addressing concerns over Musk's dual roles as CEO and a major shareholder.
The perception of Musk's leadership has also been affected by his activities outside of Tesla, particularly his acquisition of Twitter. Investors have expressed concerns that Musk's focus on Twitter and the resulting sale of Tesla stock to finance the acquisition have negatively impacted Tesla's stock price and investor confidence. The broader concern is the impact of Musk's public statements and actions on Tesla's brand and leadership stability.
Concerns of Illegal Drug Use (including Board Members)
The Wall Street Journal reported concerns among Tesla and SpaceX directors about Elon Musk's illegal drug use, including instances of consumption with board members, without any formal investigations or documentation by the board. This issue, along with the Delaware judge's recent criticism of the board's conflicts of interest and ruling against Musk's $55 billion pay package, highlights governance concerns. Musk, managing six companies, has not failed SpaceX's drug tests, and some felt pressured to partake in drugs to maintain their standing in his circle.
Elon Musk posted on X:
Whatever I’m doing, I should obviously keep doing it! If drugs actually helped improve my net productivity over time, I would definitely take them!
EV Competition Continues to Heat Up
In the last quarter, the Warren Buffett-endorsed BYD outpaced Tesla in electric vehicle sales. Tesla now contends with rivals like Nio and Xpeng. To heighten competition, Chinese EV companies are emphasizing advancements in technology, particularly in self-driving capabilities and battery performance.
See: AI Metamorphosis in Venture Capital
In response, Tesla announced an upgrade to the Model Y's autonomous driving hardware in China, a move by Elon Musk's company to increase sales and counter the growing challenge from local competitors.
Summary
Tesla is at a critical juncture with significant implications for its future governance, valuation, and strategic direction. The company needs to maintain investor confidence while ensuring robust governance practices.
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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Peter Cowan Appointed to Lead Innovate BC
News | Feb 5, 2024
Image from Peter Cowan's Linkedin profile
Innovate BC has appointed Peter Cowan as its new President and CEO, succeeding Raghwa Gopal.
Peter Cowan's appointment as President and CEO of Innovate BC marks a significant milestone for the agency, poised to catalyze innovation and economic growth within British Columbia's tech sector. Cowan, with his extensive background in intellectual property (IP) strategy and leadership within Canada's innovation ecosystem, brings a wealth of experience to his new role.
See: Navigating BC’s Innovation Landscape with Capital Compass BC
Peter Cowan has over 25 years of experience across Canada's innovation ecosystem and brings a deep expertise in intellectual property strategy and operations. His past roles include the interim CEO at Intellectual Property Ontario and founding Northworks IP. Also, Cowan's role as a board member and co-founder of the Innovation Asset Collective highlights his commitment to aiding small and medium-sized businesses in the cleantech sector with their IP needs. His efforts have contributed to over 70 patents filed in the clean energy sector, reflecting a deep understanding of the importance of IP in driving innovation and commercial success.
Cowan's previous tenure as interim CEO at Intellectual Property Ontario and his involvement in launching the agency underscores his adeptness at fostering innovation and supporting IP strategy development. His leadership helped in creating programs that maximized the value of IP for researchers and companies, thereby strengthening their ability to scale and compete globally.
See: AccelerateIP Launches New $12.5 Million IP Program for Startups
Given Cowan's rich history in IP management and strategy, his leadership at Innovate BC is expected to emphasize the significance of intellectual property in innovation, aiding local startups, and scaleups in navigating the complexities of IP. This focus is anticipated to enhance the province's innovation ecosystem, encouraging the development of new technologies and supporting the growth of BC's economy.
Cowan's appointment is a promising development for Innovate BC, signaling a future where intellectual property and innovation strategically align to propel British Columbia's tech sector forward.
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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Partner Webinar Feb 7: AI’s Impact On SME Finance
Webinar | Feb 1 2024
As a partner of the SME Finance Forum, NCFA Canada invites its members to the insightful webinar "AI in SME Finance: Opportunities and Threats"
Artificial intelligence has been at the top of the strategic agenda for bank leaders for several years because it is reshaping the way we analyze data, integrate information, and make decisions. According to Business Insider Intelligence, it's expected that banks will save $447 billion by the end of 2023 by implementing AI applications. AI has the potential to bring significant advancements and transform business functions.
WEBINAR
AI in SME Finance - Opportunities & Threats
February 7, 2024
8:00 - 9:30 AM EST
REGISTER --> HERE
Opportunities
- Personalize services and products
- Manage risk assessment and fraud
- Enable transparency and compliance
- Automate operations, scale and reduce costs
See: SEC Examines AI Impact on Investment Advising
Challenges
- Embedding of bias into algorithms used for credit decisions
- Sharing of inaccurate information by chatbots
- Data privacy and security
- Regulatory compliance
- Job displacement
The webinar features notable speakers including Sopnendu Mohanty (Monetary Authority of Singapore), Hans Koning (IFC), and leaders from JUMO, ANEXT Bank, Strands, Mercado Libre, and Akbank. Hosted by Qamar Saleem of the SME Finance Forum, this panel brings together a diverse range of expertise, offering insights into AI's application in finance and addressing its challenges and opportunities.
Register for this Webinar --> 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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Bankruptcies in Canada Are Rising. Are Fintechs Listening?
Small Business | Jan 29, 2024
Image, The Hub, Graph by @Trevortombe
Canadian businesses face an increasing trend in bankruptcies, signaling deep-rooted economic challenges and implications for the fintech industry.
As widely covered including The Hub, the Canadian business landscape has been experiencing a worrying trend in the rise of bankruptcies, particularly among small and medium enterprises. Companies are exiting faster than new ones are being created. Is this a healthy stint of survival of the fittest will make us all stronger or what can be done? This development, highlighted in recent reports around the repayment deadline of SME CEBA loans by the Canadian Federation of Independent Business (CFIB) and CTV News, reflects deeper economic stress factors exacerbated by the COVID-19 pandemic.
- Since mid-2021, there's been a notable increase in business bankruptcies in Canada, with many companies opting to close down rather than file for bankruptcy. See Q3 2023 Insolvency Statistics tracked by Stats Canada
- A significant number of businesses have not returned to pre-pandemic revenue levels, with approximately 62% still struggling with pandemic-related debts. Rising operational costs, coupled with reduced demand and increased interest rates, are putting added pressure on businesses. The average debt per business is reported at $158,000.
- The CFIB advocates for government intervention, suggesting measures such as increasing the forgivable portion of CEBA loans and extending repayment deadlines. Freezing tax hikes and reducing credit card fees for small merchants are also recommended. The extended repayment deadline of Jan 18, 2024 has come and gone and the CEBA loans need to be paid back with many small businesses under financial duress.
- It was reported that many 70% of the exiting firms tend to be less productive, smaller and less profitable but that study refers to Canadian manufacturing and not the intangibles economy (and more here and here) that has changed the landscape today.
Importance for Fintech
Fintech firms, with their digital-first approach and innovative financial products, are well-positioned to assist businesses in managing their financial health. They can offer tailored solutions for debt management, cash flow optimization, and access to alternative funding sources. They also play an important role in financial education and advisory services, helping businesses make informed decisions during these uncertain times.
See: Fintech Fridays EP60: Revolutionizing Small Business Lending and Empowering Entrepreneurs
- Fintech firms are developing more responsive and flexible lending platforms to address the unique needs of struggling businesses.
- There is an increasing trend of partnerships between fintech companies and traditional financial institutions to provide comprehensive support to businesses.
- Some fintech companies are collaborating with government bodies to facilitate the distribution of aid and manage financial relief programs more efficiently.
- Deployment of advanced financial tools like AI-driven analytics for better financial planning and risk assessment.
Conclusion
The rising trend of business bankruptcies in Canada is a huge issue that needs more than time to resolve. As businesses struggle to survive hard and sobering times, the role of fintech becomes increasingly vital in providing innovative, accessible, and efficient financial solutions.
See: Bank-Fintech Partnerships and Trends 2024
The collaboration between government, financial institutions, and fintech firms will be key in addressing this growing problem and ensuring the sustainability and growth of the Canadian business ecosystem.
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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UK Changes to HNW Rules Will Impede Access to Capital
Investing | Jan 25, 2024
Image by jcomp on Freepik
Recent changes to the UK's Financial Promotions Act, effective from January 31, 2024, include significant modifications to the definition of high net worth (HNW) and sophisticated investors that will adversely impact early stage funding.
These changes, primarily affecting the definition of High Net Worth Individuals (HNWIs) and sophisticated investors, could have profound implications on the ability of private startups to secure capital.
See: SEC Publishes Accredited Investor Definition Review
Under the new framework, the criteria to qualify as an HNWI have been notably raised. Individuals are now required to have a minimum annual income of £170,000 and net assets worth at least £430,000. This represents a significant jump from the previous thresholds of £100,000 for income and £250,000 for net assets. The intention behind these amendments is to align the exemptions with current economic, social, and technological realities, a necessary update since their last revision in 2005.
Image: Sifted, The impact of the new rules on qualifying as a High Net Worth Individual (HNWI). Research by Marla Shapiro (HERmesa) and Roxane Sanguinetti (Alma Angels) using data from the Survey of Personal Income 2020-2021.
Additionally, The Financial Conduct Authority (FCA) has introduced a new regime requiring authorized firms to obtain formal FCA approval to approve financial promotions. This change is designed to ensure that promotional material is clear, fair, and suitable for the type of investor targeted.
See: FCA Stops Rebuildingsociety’s Binance Crypto Promotions
The financial promotion restriction now also covers 'qualifying cryptoassets.' This means that financial promotions relating to these assets can only be communicated by an FCA authorized firm or an unauthorised firm where the communication is approved by an authorized firm.
Implications
All of these changes could lead to a narrower pool of eligible angel investors, potentially affecting the diversity and volume of investment in startups, especially in sectors reliant on early-stage funding.
The revised rules could disproportionately impact women and investors outside London, potentially widening gender and regional investment disparities.
See: Venture Capitalists Dislike Women More Than They Like Profit
As highlighted in the Sifted article, to understand the implications of the new UK angel investing regulations, consider two hypothetical scenarios:
- Work: A young man, aged 21, just beginning his career in private equity with an annual income of £35,000. Despite his limited experience, he meets the current criteria and is eligible to invest a substantial amount, say £50,000, in a startup.
- Vs Experience: Contrastingly, a 31-year-old woman with extensive experience in the startup sector, boasting a £200,000 savings account, an annual salary of £130,000, and a history of three successful investments, falls short of the new criteria. Surprisingly, under the revised rules, she is ineligible to invest even a smaller amount, like £5,000, in a startup.
These examples highlight potential disparities and unintended consequences arising from the new regulations, demonstrating how they might restrict experienced investors while allowing less experienced individuals to participate in startup investments.
Advocacy
In response to these changes, over 500 firms and investors have expressed opposition, underlining the potential adverse effects on the UK's vibrant startup ecosystem. There is an ongoing advocacy effort, including an open letter to the Chancellor, urging for immediate action before the new regulations take full effect and potentially transform the investment landscape.
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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Court Rules Govt’s Use of Emergencies Act Unjustified
News | Jan 23, 2024
Image by Freepik
A Federal Court in Canada has ruled that the Liberal government's invocation of the Emergencies Act in early 2022 to disperse convoy protesters was unreasonable
The Emergencies Act, invoked for the first time in Canadian history, granted law enforcement extraordinary powers to remove and arrest protesters, and allowed the government to freeze the finances of those connected to the protests. This decision was made in response to protests that clogged key arteries in Ottawa and blocked border points, primarily driven by dissatisfaction with the government's COVID-19 policies, including vaccine requirements.
The Federal Court's Ruling and Implications
Federal Court Justice Richard Mosley stated that the situation created by the protests did not meet the threshold of a national emergency as defined by the Canadian Security Intelligence Service. He emphasized that the invocation of the Emergencies Act was "unreasonable and ultra vires," a Latin term meaning beyond the powers of the law. Mosley's decision also highlighted that the economic orders issued under the Act infringed on protesters' Charter rights, particularly concerning freedom of expression and unreasonable search and seizure.
Federal Court Justice Richard Mosley:
I conclude that there was no national emergency justifying the invocation of the Emergencies Act and the decision to do so was therefore unreasonable and ultra vires. "Ultra vires" is a Latin term used by courts to refer to actions beyond the scope of the law.
See: Emergencies Act Post-Mortem: Crypto execs in Ottawa discuss Digital Assets
This ruling and the subsequent appeal highlight the ongoing tension between government authority and individual rights. Businesses, particularly those operating in sectors sensitive to national security and public order, must navigate the legal landscape. The decision also underscores the importance of transparency and justification in government actions, especially when they infringe on civil liberties.
You may also recall that when the Canadian federal government invoked the Emergencies Act to address disruptions in Ottawa, they extended anti-money laundering and anti-terrorist financing (AML/ATF) obligations to donation crowdfunding platforms and certain payment service providers temporarily and without prior notice. Then following the revocation of the Emergency Economic Measures Order on February 23, 2022, the government announced plans to permanently implement these AML/ATF requirements for donation crowdfunding. Consequently, new regulatory amendments now mandate AML/ATF registration, reporting, and compliance for donation crowdfunding services and some payment service providers in Canada, expanding the scope of regulation that already included equity/investment and loan crowdfunding platforms. For more details, see the official publication at Canada Gazette.
See: NCFA Response to FINTRAC’s ‘Knee Jerk’ Regulations Requiring Donation Crowdfunding Platforms to Register and Comply with AML/ATF Legislation
NCFA Canada still believes and we quote: "In summary, the regulations are ineffective, burdensome, anti-competitive, and damaging to both the domestic donation crowdfunding sector and the Canadian nonprofit/charitable sector. The goal of protecting Canadians from money laundering and terrorism is laudable, but these regulations should be scrapped, and new regulations drafted in full consultation with stakeholders.” – Daryl Hatton, Founder/CEO, FundRazr
Government's Response
Deputy Prime Minister Chrystia Freeland announced the government's intention to appeal the decision, emphasizing the gravity of the threats faced by Canada at the time. The government has consistently argued that the measures taken were targeted, proportional, and temporary. This stance is supported by the findings of a mandatory inquiry led by Commissioner Paul Rouleau, which concluded that the government met the high threshold needed to invoke the Emergencies Act.
Justice Minister Arif Virani:
"[Rouleau's] decision stands at odds with the decision that was rendered today and I think that is important and that also informs our decision to appeal."
Stay Tuned
As the government appeals this decision, the business community and the public at large will closely watch the evolving legal interpretations and their implications for governance and civil rights in Canada.
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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Fast Company Survey Finds Capitalism at Crossroads
Survey Results | Jan 23, 2024
Image: Fast Company
Fast Company's recent global survey says attitudes towards capitalism are decidedly mixed
The future and capitalism and its' impact on a rapidly changing economic and environmental reality has become a central topic of discussion among global leaders and business professionals. Recent insights from the World Economic Forum's annual meeting in Davos and a comprehensive survey by Fast Company shed light on these pressing issues, revealing a complex landscape of challenges and opportunities.
Capitalism at a Crossroads
The survey, which included responses from a diverse range of professionals, found that only 36% had a positive reaction to capitalism, while 35% viewed it negatively. This ambivalence points to an existential crossroads for capitalism, highlighting the need for a more inclusive and equitable economic system.
A notable shift observed in the survey is the growing favorability towards stakeholder capitalism. Defined as a system where companies prioritize the interests of various stakeholders including employees, customers, suppliers, and local communities, stakeholder capitalism received a favorable view from 41% of respondents.
See: Marx’s Revenge: Sam Altman Says His OpenAI Tech Will “Break Capitalism”
This approach, championed by leaders like Larry Fink of BlackRock and Brian Moynihan of Bank of America, suggests a paradigm shift towards a more holistic view of business success.
Image: Fast Company
The survey also revealed a generational divide in perceptions of capitalism. Younger professionals under 40 are more likely to view capitalism negatively (26%) compared to their older counterparts (8%). This trend underscores the urgency for businesses to adapt to the evolving expectations of a younger, more socially conscious workforce. Businesses must embrace stakeholder capitalism to address the growing concerns over income inequality and environmental sustainability. Simultaneously, the global community must prioritize and mobilize financial resources for climate action.
Climate Finance at Davos 2024: A Missed Opportunity?
At Davos 2024, despite the critical importance of climate change and environmental risks, discussions on climate finance were notably subdued. As reported by Nina Seega in Forbes, the focus remained on theoretical aspects rather than concrete financial strategies. This gap highlights a significant challenge in addressing the climate crisis: the need for substantial funding to transition to clean technologies and adapt to climate impacts.
See: How Conscious Spending Can Combat the Climate Crisis: Cogo’s Carbon Footprint Management
The political climate of 2024, with major elections worldwide, adds complexity to the climate finance debate. Political leaders' stances on climate issues will significantly influence the direction and effectiveness of climate action. The need for real change, as emphasized at Davos, requires substantial financing and a collective effort from global leaders.
Greatest Threats to Capitalism (Is Greed Good?)
The survey uncovered diverse and strong opinions regarding the future of capitalism. Participants were asked to identify what they perceived as the greatest threat to capitalism, leading to a wide array of responses. These ranged from concerns over far-left politics, diversity, equity, and inclusion (DEI) initiatives, media influence, the rise of artificial intelligence, governmental policies, to the inherent nature of greed.
Some participants even viewed capitalism itself as problematic. A notable consensus emerged around the issue of income inequality, with at least 13% of respondents highlighting it or related challenges as significant threats to the stability and effectiveness of the capitalist system.
Outlook
In conclusion, the insights from Fast Company's survey and Davos 2024 emphasize the need for a reimagined approach to capitalism, one that is more inclusive, equitable, and responsive to the challenges of our time.
See: Surveillance Capitalism: Policymakers must put an end to abusive practices
The generational divide in perceptions of capitalism, especially the skepticism among younger professionals, underscores the urgent need for businesses to align with the values of a socially conscious workforce. This includes addressing concerns over income inequality and environmental sustainability.
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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