Rojin Nair, Advisor
June 1st, 2021
At Incyub8 Inc, Rojin is focusing on nurturing and guiding various national and international start-[...]
Category Archives: ESG, Financial Inclusion, Sustainable Finance
Canadian securities regulators seek comment on climate-related disclosure requirements
CSA | Release | Oct 18, 2021
Calgary and Toronto – The Canadian Securities Administrators (CSA) today published for comment proposed climate-related disclosure requirements. The proposed requirements address the need for more consistent and comparable information to help inform investment decisions. They also demonstrate the CSA’s commitment in favour of the growing international movement toward mandatory climate-related disclosure standards.
The requirements contemplate disclosure largely consistent with the Task Force on Climate-related Financial Disclosures (TCFD) recommendations. They will improve the comparability of the information issuers disclose and help investors make more informed investment decisions by enhancing climate-related disclosure. The requirements are also intended to address costs associated with reporting across multiple disclosure frameworks, improve access to global markets and facilitate an equal playing field for issuers.
See: The evolution of ESG: Corporate sustainability leaders in the financial services sector are taking on new responsibilities
“We recognize some issuers already share certain climate-related information,” said Louis Morisset, CSA Chair and President and CEO of the Autorité des marchés financiers. “Our proposed requirements will bring those disclosures into a harmonized framework benefitting investors and issuers alike and aligning Canadian capital markets with the global movement towards consistent and comparable standards.”
The proposed requirements contemplate disclosure by issuers related to the four core elements of the TCFD recommendations:
- Governance – an issuer’s board’s oversight of and management’s role in assessing and managing climate-related risks and opportunities.
- Strategy – the short-, medium- and long-term climate-related risks and opportunities the issuer has identified and the impact on its business, strategy and financial planning, where such information is material. As a modification from the TCFD recommendations, the proposed disclosure would not include the requirement to disclose “scenario analysis”, which is an issuer’s description of the resilience of its strategy within different climate-related scenarios, including a 2°C or lower scenario.
- Risk management – how an issuer identifies, assesses and manages climate-related risks and how these processes are integrated into its overall risk management.
- Metrics and targets – the metrics and targets used by an issuer to assess and manage climate-related risks and opportunities where the information is material.
See: Regulators target “greenwashed” products susceptible to marketing hype
Issuers would be required to disclose their Scope 1, Scope 2 and Scope 3 greenhouse gas (GHG) emissions and the related risks, or their reasons for not doing so. The CSA is also consulting on an alternative approach that would require issuers to disclose Scope 1 GHG emissions. Under this alternative, disclosure of Scope 2 and Scope 3 GHG emissions would not be mandatory.
“With global momentum building on sustainability-related disclosures in both the public and private sectors, these proposals reflect our vision and expectations for reporting issuers as we move towards a global baseline for such disclosures,” said Morisset.
The disclosure requirements would be phased in, as outlined in the notice, to give companies sufficient time to plan for implementation.
The proposed disclosure requirements draw on extensive engagement with stakeholders, follow environmental and climate-related reporting guidance issued by the CSA in 2010 and build on CSA Staff Notice 51-358 Reporting of Climate Change-related Risks published in August 2019.
Continue to the original release --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Are the new carbon offset ETFs too simplistic of a solution?
Investment Executive | Mark Burgess | Oct 12, 2021
Some advocates of responsible investing say the focus should be on reducing emissions in the first place
As more clients take interest in environmentally friendly investments, providers of new products are buying credits to offset the greenhouse-gas emissions of companies held in their portfolios.
While carbon offsets play a role in reaching net-zero emissions targets, some advocates of responsible investing say focusing on offsets rather than reductions may be a “simplistic” solution.
See: Rise by Barclays Insights Report: Climate Fintech
Toronto-based Evolve Funds Group Inc., Ninepoint Partners LP and Purpose Investments Inc. have launched ETFs in recent months that offset their holdings’ carbon emissions. Evolve’s funds use broad indexes as a starting point, Purpose’s ETF is focused on clean energy companies and Ninepoint seeks to offset emissions related to its investments in Bitcoin.
The ETFs use third-party data providers to determine the carbon footprints of their portfolios. Then, the funds purchase credits for certified carbon offset projects to counter emissions and subsequently retire those credits (i.e., remove them permanently from the market). The cost of purchasing the offsets is included in fund fees.
Evolve president and CEO Raj Lala said carbon offsets are an alternative to more complex environmental, social and governance (ESG) screening methods that sometimes leave investors “scratching their heads.”
There are no standards for what constitutes an ESG or sustainable fund, which has led to accusations of “greenwashing” or attaching an environmentally friendly label to a fund that doesn’t live up to the billing.
See: Can Blockchain Solutions Unlock Capital to Fix Our Planet?
Investors can be confused or disappointed when they purchase an ESG ETF that turns out to have a major oil company among its top holdings, for example.
As of September 2021, the Cambridge Bitcoin Electricity Consumption Index showed that Bitcoin activities consume about 97 terawatt-hours of electricity annually — more than the Philippines does. Tapscott said that roughly half of the energy used in Bitcoin mining is from renewables, “but half of a big number is still a big number.”
Marie-Justine Labelle, head of responsible investment with Desjardins Investments Inc., called offsets
“a simplistic solution to what is a very complex issue. It removes the onus on the investing companies to take ownership of their carbon-reduction journey.”
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
[Event, Oct 7, 2021]: Rising to the Challenge of New Global Realities
PPF | Sep 28, 2021
![Rising to the Challenge of New Global Realities 1 - [Event, Oct 7, 2021]: Rising to the Challenge of New Global Realities](https://1hvltd3evinm3tpd022grx7s-wpengine.netdna-ssl.com/wp-content/uploads/2021/09/Rising-to-the-Challenge-of-New-Global-Realities-1.jpg "[Event, Oct 7, 2021]: Rising to the Challenge of New Global Realities")
Forging a new path for sustainable and inclusive prosperity in Canada
The reopening of the economy and the election of a new Parliament provides an opportunity for the country to address a series of long-standing and more recent societal challenges with the same determination as the pandemic itself. The following critical issues leave Canada no choice but to forge new routes to an improved future:
- Accelerating technological change
- The shifting nature of work
- Rising demands for equality and inclusion
- Disrupted immigration patterns
- Climate-induced energy transformation
- Emerging international rivalries
To this end, a working group of 12 members of Canada’s Senate undertook a study in late 2020 to examine where our nation should turn in developing the next wave of prosperity and how to ensure this success is shared by all. The Senate Prosperity Action Group heard presentations from more than 40 experts from across the economic and social spectrum, which will culminate in a report with recommended policy actions to be released in the weeks ahead.
The Public Policy Forum and Senate Speaker George J. Furey invite you to a special event featuring the Senate Prosperity Action Group and some of the most respected Canadian political leaders of the past half-century including John Manley, former Deputy Prime Minister of Canada, Frances Donald, Chief Economist, Manulife Financial, Tabatha Bull, President & CEO, Canadian Council for Aboriginal Business, Monique Leroux, Chair, Industry Strategy Council and Chris Ragan, Professor, McGill University and former Chair, Eco-Fiscal Commission. Our panelists will unpack the report and discuss how Canadian society can work together to achieve sustainable and inclusive prosperity. We also look forward to welcoming the Rt. Hon. Joe Clark and the Hon. Christy Clark for a fireside chat on Building Consensus which will be moderated by PPF President & CEO, Edward Greenspon.
Event:
Thursday October 7, 2021
1:00 p.m. - 4:00 p.m.
Register for this event --> here
Download the 66 page PDF report --> here
Related Report links:
A New North Star: Canadian Competitiveness in an Intangibles Economy
How to Build Canada’s Competitiveness Amidst the Rise of an Intangibles Economy and Greater Geopolitical Complexity
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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Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
Can Blockchain Solutions Unlock Capital to Fix Our Planet?
Coindesk | Paul Brody | Sep 13, 2021
Three ways blockchain technology can funnel capital to climate change-friendly products.
Fixing our planet is going to cost a lot of money. It’s not hard to find projections of those costs that run into the trillions of dollars. A quick literature survey turned up estimates of $4.5 trillion to decarbonize the U.S. electric grid, another $3 trillion for climate change mitigation, just in the U.S. over the next decade, and about $4 trillion needed to redress systematic inequalities in our education system. That is starting to sound like a lot of money, even for the $23 trillion U.S. economy, although the amount is still less than the cost of replacing our planet or moving to a new one.
Across the board, this same infrastructure is missing or underdeveloped for many critical social investments. Blockchain technology offers some hope for accelerating this path forward in three different ways.
Smart Contracts
The first is around new methods for tracking, managing and capturing returns. The logic in smart contracts allows companies to do things that were not easy to do at scale in the past – such as tracking carbon emissions from a single enterprise and matching those with offset activities and verifying that there’s no double-counting.
Read: Will the Law Keep Up with Smart Contracts in 2021?
Using blockchain technology and smart contracts, complete with oracles and external auditors, makes it possible to look at the total life cycle of a product, to attach carbon outputs to asset tokens along the process and bring products to market that have a verifiable net-zero carbon footprint. Hundreds of companies have pledged a path to net-zero carbon emissions and this will offer them a provable mechanism for getting there.
Asset Segmentation
Second, blockchains allow us to segment assets in ways that were not possible or simple in the past. Mortgage-backed securities allowed investors to buy slices of risk in a pool of securities, but in practice, the assessment of risk was subjective. With a blockchain-based smart contract, you can separately tokenize a renewable energy investment as a vanilla energy-producing asset and a carbon-offset investment, offering one to a low-risk utility investor and the other to a company that has pledged 100% carbon offsets, with data flows and smart contracts verifying outputs and distributing returns. Unlike past securitization efforts, this one can be underpinned with real-time systems data and transparent business logic on-chain.
Risk Tolerance
Third, blockchain investors have something else corporations need to fund the path to a better world: a high tolerance for risk. Bloomberg estimates that $500 billion was poured into renewables in 2020. Not only is that not enough, but it also didn’t get that big overnight. It took years to build the skills and investment opportunities to attract that much capital. The early days were much riskier. If we want to accelerate the path forward on education opportunities or climate change, we need more risk-tolerant investors putting capital into the hands of portfolio managers who will need to learn and get better at spotting investments.
More: Another 3 ways Blockchain can save the world from Climate Change
The early days will be rough as the ecosystem works through challenges from investment skills to external data validation, to the right way to construct smart contracts and how to package all the pieces to suit investors. The faster we get risk-tolerant capital into the mix, the faster we start flattening that learning curve.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
Creating Sustainable Wealth Through Digital Finance
E2 Management Corporation | Lynn Johannson | Sep 20, 2021
We live in interesting times. We have extreme weather events, social disruption in part driven by a global pandemic and by the dissolution of trust in institutions, and financial disruption. ‘Perfect storm’ may be an overused term, but combining ecological, social, and financial stress does provide the makings of a perfect storm.
While all three need to be addressed with better performance, patience and prudence, there are some critical differences. For example, while you may have the potential to refinance a loan or a mortgage, there is no option to refinance ecological debt, nor social debt.
See: CFA Institute launches a first of its kind globally, a new ESG investing qualification
However, there is also an incredible opportunity that may be likened to a Phoenix rising. It is the convergence of sustainable finance, the democratization and naturalization of capital markets enabled by digital finance, and your opportunity to apply your wealth to a better, greener economy.
Sustainable finance generally refers to the process of taking environmental, social and governance (ESG) considerations into account when making investment decisions in the financial sector. This is leading to increased longer-term investments into what is supposed to be sustainable economic activities and projects. Some refer to this opportunity as green finance, which I will address below.
There are three layers of wealth. Think of a pyramid shape.
The foundation of all wealth, without exception, comes from the planet. Everything we use, grow, build, or buy - energy, food, homes or cars - comes from the planet as provided by Mother Nature. Think of her as the president of the planet. Her terms and conditions, her rules, override all regulations.
Secondary wealth is derived from the things we make from primary wealth. Ore becomes steel, plants become your dinner, trees are used to make lumber, paper, etc. Because we do not follow the rules set by Mother Nature, the conversion is 96% inefficient. Some experts say that is low, and it’s really 98%. Simply stated, that means for every $100, you are getting $4 or $2 of value.
The final layer, tertiary wealth are all the paper abstractions that we layer on top. Tertiary wealth is entirely dependent on the primary level being healthy, and rests precariously on top of the pyramid, only kept in place by trust. When we put the primary layer of wealth at risk by our decisions or actions, you can see where this is going.
Planetary Boundaries from 1950 to Present
The Stockholm Resilience Centre has estimated how the different control variables for seven planetary boundaries have changed from 1950 to present.
We are in the red on three critical variables, and this is causing instability in ecosystems, social systems and risk, including stranded assets. What may be surprising to many is that with all the concerns posted in the media, the push for disclosure on climate-related financial risk, climate change is still not the biggest crisis according to experts. It’s the loss of biodiversity. It’s the impact our way of doing things had burdened our ecosystems with nitrogen and phosphorus. So not as much a tragedy of the horizons as stated by the former Chair of the Financial Stability Board, Mark Carney, but a tragedy that’s in our face, but that we are not managing.
See: The evolution of ESG: Corporate sustainability leaders in the financial services sector are taking on new responsibilities
I find it extraordinarily perverse that the decisions and actions we continue to make, which diminish the quality of our lives today, and certainly undermines the quality of life for our children and our children’s children, we seem to be okay with. Perverse, yes, but predictable. As early as 1738, Dutch polymath Daniel Bernoulli figured it out, and this was echoed in a Ted Talk by behavioural expert Dan Gilbert who said “the expected value of any of our actions -- that is, the goodness that we can count on getting -- is the product of two simple things: the odds that this action will allow us to gain something, and the value of that gain to us.” So, basically we overvalue what we have in our hands today, and undervalue what the future holds. Part of this challenge may be that we mistakenly trust other people to manage our money, and at a cost to us that is no longer necessary.
Digital Finance Opportunity
Digital finance offers a range of values that is only starting to be understood by the market. And in the time and space remaining I can only hint at some of the opportunity. Digital finance and the value it offers to greening finance deserves a much, much deeper discussion (and one that I hope NCFA will enable). The democratization of capital markets offers individuals the opportunity to direct their tertiary wealth to the things that matter to them. It means that every dollar, peso, euro, can be a vote and support an action to bring human endeavours back within the boundary conditions necessary for a quality of life that is sustainable.
A group of entities, including the World Gold Council, The Silver Institute, the European Central Bank and others, stated that the value of the global money supply was 600 hundred times higher than the value of new gold coins minted in 2019. In the first six months of 2020, digital currencies increased 1,600 times over minted coins. While any currency carries a carbon and a broader environmental footprint, digital currencies, assets and the communities that power them offer access to new pools of capital at a lower costs while reducing intermediaries and excessive fees found in traditional banking. New consumer-centric financing models offer consumers choice and enable them to vote directly with their dollars that can lead to lower environmental impacts.
It is important to note that digital currencies are not risk-free; a power failure, cell tower outages, bad reception in rural areas not well served by the internet, extreme weather; these are some of the unintended consequences that come with a transition to digital.
On-demand Video: Mayday: Fintech’s Opportunity to Breaking to Breaking Barriers to Net Zero
But if money talks, with digital finance you could make it walk in the direction you want it to go to match your values aligned with a better, greener economy. If money makes the world go round, digital currency could enable you to drive initiatives that are part of a circular economy, or products and services that fit into the ecosystem where you live and work.
So, whether you are buying a product, engaging services, investing in a project, asset or an activity, look at the investor or purchaser in the mirror.
The first question that you should ask is “have I taken into account the environmental impact or environmental performance of the product, the asset or activity?” If not, think again? The choice is yours and the power of change is within.
This article appears as a featured article in NCFA's digital magazine, Fintech Confidential. Click to read the latest thought leadership, insights and trends about Fintech in Canada:
Checkout NCFA's digital magazine, Fintech Confidential (Issue 3) --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
Hedera Hashgraph beats DLT competitors on energy consumption
Finextra | Sep 8, 2021
A research report by University College London (UCL) has examined the varying environmental impacts of six different distributed ledger technologies (DLT), finding that Hedera Hashgraph boasts the lowest overall energy consumption of the group.
Algorand, Cardano, Ethereum 2.0, Hedera Hashgraph, Polkadot, and Tezos were compared, with researchers from UCL’s Centre for Blockchain Technologies (ULC CBT) considering how second-generation consensus models such as Proof-of-Stake perform when compared with their predecessors (such as Proof-of-Work).
Read: The London Hard Fork is a big step towards Ethereum 2.0’s major upgrade
Dr. Paolo Tasca, executive director at UCL CBT explained: “At this point, the benefits of Proof-of-Stake are well-recognised and understood in the blockchain space.
However, through this research we have found that not all Proof-of-Stake networks are created equally.
By formalising a “basic mathematical consumption model for validator-based Sybil attack resistance schemes,” the energy consumption per transaction based on common input variables could be quantified. The study ultimately discovered that the energy needs of (varying) consensus protocols is dependent on the number of active validators.
As the scale of DLT networks increase, the report concludes that networks must remain focused on environmental friendliness. The quality of hardware used by node operators and the effect of different design choices within DLT architecture must be considered through the lens of the environmental impact they can incur.
See:
-
How blockchain and cryptocurrencies can help build a greener future
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The Carbon Footprint of Cryptocurrency
“In this paper, we tested this hypothesis using a mathematical consumption model that predicts expected energy consumption per transaction, as a function of network load. Applying this model to six different PoS-based DLT systems supports the hypothesis and suggests that their energy consumption per transaction is indeed at least two to three orders of magnitude lower than that of Bitcoin.
“Furthermore, we discover significant differences among the analysed PoS-based systems themselves. Here, a permissioned system was found to consume significantly less energy per transaction than permissionless systems. This difference could be attributed to gatekeeping capabilities offered by permissioned systems.”
Continue to the full article --> here
Download the 14 page discussion paper 'Energy Footprint of Blockchain Consensus Mechanisms
Beyond Proof-of-Work' --> 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
| | |
Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
Oct 13, 2021: OSC virtual roundtable on ‘Rethinking Diversity in Capital Markets’
OSC | Aug 25, 2021 (last updated Sep 16)
The OSC is hosting a virtual roundtable to discuss whether, and how, the disclosure needs of Canadian investors, and corporate governance practices among public companies have evolved. Panelists will speak about the benefits, challenges and experiences associated with the consideration of broader diversity on boards and in executive officer positions, with a specific focus on diversity data, targets and term limits. The panelists include representatives of issuers, investors and advocacy groups, as well as governance experts.
Event Details
Oct 13, 2021
10:00 am - 11:30 am
Virtual Event (Webinar)
The roundtable is open to the public; register and receive a link to watch the webinar
The Ontario Securities Commission (OSC) will host a virtual roundtable on Wednesday, October 13 from 10:00 a.m. - 11:30 a.m. ET to discuss broader diversity (beyond gender) on boards and in executive officer positions, with a specific focus on targets, term limits and diversity data.
The OSC has convened an expert panel to explore the benefits, challenges and experiences associated with the consideration of broader diversity, as well as evolving corporate governance practices and disclosure needs of Canadian investors. The roundtable panellists are:
- Rahul Bhardwaj, ICD.D, President and CEO, Institute of Corporate Directors
- Wes Hall, ICD.D, Executive Chairman and Founder at Kingsdale Advisors, The BlackNorth Initiative, Dragon on CBC's Dragons' Den
- Sarah Kaplan, Distinguished Professor and Director, Institute for Gender and the Economy, U of T’s Rotman School of Management
- Catherine McCall, Executive Director, Canadian Coalition for Good Governance
- Rima Ramchandani, Partner and Co-Head of Capital Markets Group, Torys LLP
- Paul Schneider, Head of Corporate Governance, Ontario Teachers' Pension Plan
- Grant Vingoe, Chair and CEO, Ontario Securities Commission
The panel will be moderated by Wendy Berman, Vice-Chair, Ontario Securities Commission.
Attendees will have an opportunity to direct questions to the panel.
live on October 13 from 10:00 a.m. – 11:30 a.m. ET. For those unable to watch the live webinar, a transcript and link to watch the video-recording will be available after the event on the OSC website.
If you have any questions, please contact us at eventsregistration@osc.gov.on.ca
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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Support NCFA by Following us on Twitter!Follow @NCFACanada For more information about FFCON21: BREAKING BARRIERS, on-demand videos and ways to participate |
