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Yuval Harari Warns That Civilization’s ‘Master key’ is at Stake With the Rise of A.I.

Fortune via Yahoo Finance | | March 24, 2023

Unsplash – Andy Kelly, young girl interacting with AI

Image: Unsplash/Andy Kelly

Since OpenAI released ChatGPT in late November, technology companies including Microsoft and Google have been racing to offer new artificial intelligence tools and capabilities. But where is that race leading?

  • Hararia shared his thoughts Friday in a New York Times op-ed written with Tristan Harris and Aza Raskin, founders of the nonprofit Center for Humane Technology, which aims to align technology with humanity's best interests.
    • They argue that artificial intelligence threatens the “foundations of our society” if it’s unleashed in an irresponsible way.
    • “deploying humanity’s most consequential technology,” the race to dominate the market “should not set the speed.” Instead, he argues, “We should move at whatever speed enables us to get this right.
    • Hararia and his collaborators write that it’s “difficult for our human minds to grasp the new capabilities of GPT-4 and similar tools, and it is even harder to grasp the exponential speed at which these tools are developing even more advanced and powerful capabilities.”
    • Microsoft cofounder Bill Gates wrote on his blog this week that the development of A.I. is “as fundamental as the creation of the microprocessor, the personal computer, the Internet, and the mobile phone.” He added, “entire industries will reorient around it. Businesses will distinguish themselves by how well they use it.”

See:  Microsoft’s AI Chatbot is an Emotionally Manipulative Liar (and some people love it)

  • Why so dangerous?  A.I. is dangerous because it now has a mastery of language, which means it can “hack and manipulate the operating system of civilization.”
    • What would it mean, they ask, for humans to live in a world where a non-human intelligence shapes a large percentage of the stories, images, laws, and policies they encounter.
    • “A.I. could rapidly eat the whole of human culture—everything we have produced over thousands of years—digest it, and begin to gush out a flood of new cultural artifacts.”
  • Hararia and his collaborators argue that the time to reckon with A.I. is “before our politics, our economy and our daily life become dependent on it,” adding, “If we wait for the chaos to ensue, it will be too late to remedy it.”

Continue to the full article --> here


NCFA Jan 2018 resizeThe 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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European Regulators Condemn US ‘incompetence’ in SVB Collapse

FT | March 16

Unsplash – Adeolu Eletu, news

Image: Unsplash/Adeolu Eletu

Europe’s financial regulators are furious at the handling of the Silicon Valley Bank collapse, privately accusing US authorities of tearing up a rule book for failed banks that they had helped to write.

  • While the disapproval has yet to be conveyed in a formal setting, some of the region’s top policymakers are seething over the decision to cover all depositors at SVB, fearing it will undermine a globally agreed regime.
    • One senior eurozone official described their shock at the “total and utter incompetence” of US authorities, particularly after a decade and a half of “long and boring meetings” with Americans advocating an end to bailouts.
    • Europe’s supervisors are particularly irate at the US decision to break with its own standard of guaranteeing only the first $250,000 of deposits by invoking a “systemic risk exception” — despite claiming the California-based lender was too small to face rules aimed at preventing a rerun of the 2008 global financial crisis.
    • A former senior UK policymaker who helped negotiate global standards for bank resolution described the SVB handling as a “disaster”.

See:  Superintendent of Financial Institutions took further action on the Silicon Valley Bank Canadian Branch

  • While the Federal Reserve is now considering tougher rules for midsized lenders, Congress voted in 2018 to give it and the Federal Deposit Insurance Corporation discretion to exempt banks below $250bn from the toughest strictures. The watchdogs followed up a year later with a more relaxed regime for banks with assets ranging from $50bn to $250bn.
    • The US was a key proponent of such policies, according to people who took part in talks. However — unlike EU and UK lenders of a similar size — US banks with balance sheets below $250bn, including SVB, are deemed too small to have to comply with global standards on capital, liquidity and resolution.

Nicolas Véron, a regulation expert at the Washington think-tank the Peterson Institute:

From a financial stability perspective, they really killed a fly with a sledgehammer. Designating SVB as systemic was, Véron added, a “very questionable” decision that set a dangerous precedent for further bailouts of uninsured deposits.

Continue to the full article --> here

 


NCFA Jan 2018 resizeThe 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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Digital Asset Experts School Senate Banking Committee Members on Silvergate Debacle

Crowdfund Insider | | Mar 9, 2023

Chair Brown, Senate banking committee

Yet while crypto contagion and the failure of firms like FTX may be a catalyst to the demise of Silvergate Bank, ultimately, it was not the cause, according to multiple digital asset experts. This is contrary to statements made by several prominent US Senators.

  • Senator Brown, Chair of the Senate Banking Committee, said that FTX’s collapse continues to “ripple outward” when a bank is “overreliant” on crypto.
    • Response by  Caitlin Long, a digital asset entrepreneur, crypto proponent, and former investment bank executive.
    • Long provided a brief education to the Senator, stating:

“… you’re wrong [Senator Sherrod Brown] that #crypto triggered Silvergate’s issue. What did it was $13.3bn in demand deposits that depositors cld withdraw in minutes, but only $1.4bn of cash. Had $SI held $13.3bn of cash, the bank run wouldn’t have impaired its capital. Not a crypto prob…”

See:  US Government Closes Signature Bank and Moves to Stop Potential Banking Crisis

Long added:

“When a bank w/ highly volatile deposits makes a levered investment in 10-year bonds into a Fed tightening cycle, what happens when a bank run hits is predictable—liquidate those bonds at a loss, impairing the bank’s capital. It’s an indictment against fractional-reserve banking.”

She said this is exactly what her digital bank Custodia proposed to fix – which was blocked by federal regulators.

  • Ram Ahluwalia, a well-known Fintech entrepreneur and crypto expert, slammed Senator Elizabeth Warren’s statement on Silvergate’s failure. Senator Warren is a member of the Senate Banking Committee and has long opposed digital asset innovation.

Senator Warren stated:

“As the bank of choice for crypto, Silvergate Bank’s failure is disappointing, but predictable. I warned of Silvergate’s risky, if not illegal, activity—and identified severe due diligence failures. Now, customers must be made whole & regulators should step up against crypto risk.”

Ahluwalia said, “the Senator’s allegations should not be used to justify the destruction of a Federal Reserve member bank in a 120-character Twitter thread.”

See:  Silicon Valley Bank Collapses. Second Largest Financial Institution in U.S. History

He added:

“Silvergate, the first crypto bank, faced a bank run that led to its downfall. Despite facing allegations around AML, it was not these issues that ultimately caused the demise of $SI. The responsibility for bank supervision lies with the Executive Branch, but this process was cut short. A Senator’s letter, amplified by social media, undermined public trust in Silvergate, ultimately leading to a crisis of confidence. It is important to uphold the principle of due process. Silvergate was denied due process.”

Continue to the full article --> here


NCFA Jan 2018 resizeThe 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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CATO: Response to Request for Information on Digital Assets R&D

Cato Institute | Jack Solowey | Mar 3, 2023

Unsplash – Fabio, blockchain innovation

Image: Unsplash/Fabio

Cryptographically secure software—including private cryptocurrencies and the distributed ledgers that enable them—can not only be tools for enhanced financial infrastructure, but also for furthering democratic civil society.

  • My name is Jack Solowey, and I am a financial technology policy analyst at the Cato Institute’s Center for Monetary and Financial Alternatives. I appreciate the opportunity to comment on the Office of Science and Technology Policy’s (OSTP’s) Request for Information regarding Digital Assets Research and Development (RFI).

See:  Should the SEC Be Allowed to Wage an Unsupervised Dirty War on Crypto?

  • The Cato Institute is a public policy research organization dedicated to the principles of individual liberty, limited government, free markets, and peace, and the Center for Monetary and Financial Alternatives focuses on identifying, studying, and promoting alternatives to centralized, bureaucratic, and discretionary financial regulatory systems. The opinions I express here are my own.
  • The RFI posed several important questions regarding the research and development of digital assets to further responsible innovation in line with American values. This letter specifically addresses topics 1, 2, and 4.

Download the 9 page PDF public comment --> here


NCFA Jan 2018 resizeThe 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

NCFA Financial Innovation MapNCFA Innovation Opportunity BriefsNCFA Fintech Insights
NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter

 

Crypto Banking is in a Mess. Where to from here?

Coindesk | Frances Coppola | Mar 2, 2023

Pixabay – TheDigitalArtist, Bitcoin

Image: Pixabay/TheDigitalArtist

Crypto banking is in a mess

  • The collapse of the FTX exchange caused damaging runs on two U.S. regulated banks. One of them – Silvergate Capital Corp. – had to sell assets at a loss to repay depositors and lenders, and as a result has now warned that it may not be able to continue as a “going concern.”
  • A third bank had to issue an emergency warning that those who had deposited fiat funds with its customer Voyager Digital did not have deposit insurance.
  • U.S. regulators are pressuring banks to withdraw banking services for crypto platforms and exchanges. And in a decision that sent shock waves across the crypto world, the U.S. Federal Reserve rejected a membership application from Custodia Bank, a full-reserve bank providing payment and custody services to crypto businesses.
    • The regulatory clampdown on crypto banking began in earnest on Jan 3, when the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC) and the Office of the Controller of the Currency (OCC) issued a joint statement on crypto-asset risks to banking organizations.
    • The message is clear. U.S. regulators think crypto is a serious threat to the traditional financial system. Not because it is going to take it over, but because it could bring it down.

See:  Banking-As-A-Service Is Under Fire

  • So crypto companies want a type of bank we don’t currently have: a “full-reserve” bank.  In 2019, Wyoming created a charter for full-reserve banks. Its “special purpose depository institution” can receive deposits and provide asset management, custody and related services, but is not allowed to lend (though it can purchase certain types of debt securities) and must maintain unencumbered liquid assets of at least 100% of its total deposits.
    • If crypto companies stopped fighting the regulators and cleaned up their act, the Fed might look more favorably on banks providing services to them.
    • The reason why we don’t have full-reserve banks is that they are intrinsically less profitable than their fractional-reserve competitors. Historically, full-reserve banking has never lasted for long: Banks either find ways of leveraging customer deposits or they are bought by a fractional reserve bank or they go out of business.

Continue to the full article --> here


NCFA Jan 2018 resizeThe 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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NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter

 

Why Canadians have more in common with the UK than the US

Feb 16, 2023

Unsplash – Tom Athawes, London UK

Image: Unsplash/Tom Athawes

Canada is often compared to the United States due to its geographic proximity and shared border, but in reality, Canadians have more in common with the United Kingdom than with their southern neighbor. The cultural, political, and economic ties between Canada and the UK have deep roots that continue to influence Canadian identity and values. In this blog article, we will explore the reasons why Canadians have more in common with the UK than with the US.

In this blog article, we will examine the historical background of Canada's ties to the UK, including the impact of British colonization on Canadian culture and values. We will also explore the differences between the British parliamentary system and the US presidential system and how this impacts Canadian society. Additionally, we will compare social policies in Canada and the UK, such as healthcare and education, and how these policies have shaped Canadian identity. We will also analyze the cultural similarities between Canada and the UK, such as language and literature. Finally, we will look at economic relations between Canada and the UK and how this impacts Canadian identity and culture. By the end of this article, readers will have a better understanding of the unique relationship between Canada and the UK and why Canadians have more in common with the UK than with the US.

Historical Background

The history of Canada's ties to the UK can be traced back to the British colonization of Canada in the 16th century. The British established colonies in what is now Nova Scotia and Newfoundland, and later expanded into present-day Ontario and Quebec. Over time, the British brought their culture, language, and political systems to Canada, which had a significant impact on Canadian identity and values.

The cultural and political impact of British rule in Canada is still felt today. British colonialism laid the foundation for Canadian society and culture, including the development of the English language, British common law, and parliamentary democracy. The British influence can also be seen in Canadian literature, art, and music. Canada's multicultural identity is also partially rooted in British immigration, which brought people from different regions of the UK to Canada.

In contrast to Canada's ties to the UK, the United States gained independence from Great Britain in 1776 and developed a separate cultural and political identity. The US was founded on principles of democracy, freedom, and individualism, which are different from the values that underpin Canadian society. While Canada was a British colony, the US was influenced by various European cultures and was able to develop its own unique cultural identity.

In summary, the British colonization of Canada had a significant impact on Canadian culture and values, and this influence is still felt today. While the United States developed its own separate cultural and political identity, Canada's ties to the UK have continued to shape Canadian society.

Cultural Similarities

The influence of British culture on Canadian society is particularly evident in language and literature. The English language and British common law were brought to Canada by the British colonizers, and these institutions continue to be an important part of Canadian society. Canadian literature, particularly in the 19th and 20th centuries, was heavily influenced by British writers and themes, such as Charles Dickens and the Victorian era. This literary tradition continues to this day, with many Canadian authors drawing inspiration from British literature and culture.

In contrast to Canada's ties to the UK, the United States has been shaped by a diverse range of cultural influences, including European, African, and indigenous cultures. American culture is often associated with Hollywood movies, pop music, and consumerism, which are different from the cultural values that underpin Canadian society.

The cultural similarities between Canada and the UK have had a significant impact on Canadian identity. Canadian society has been shaped by a mix of British, French, and indigenous cultures, which has resulted in a unique blend of values, traditions, and practices. Canada's multicultural identity is partially rooted in the British immigration that brought people from different regions of the UK to Canada. Additionally, the shared cultural heritage between Canada and the UK has contributed to a strong sense of national identity, particularly among older generations of Canadians.

However, it is worth noting that Canada's cultural identity is constantly evolving, and it is not limited to its ties to the UK. For example, the growth of the entertainment industry in Canada has given rise to its own unique cultural products, such as the Cirque du Soleil and popular Canadian bands like Arcade Fire. Additionally, Canadian identity is not homogeneous, and different regions of Canada have their own distinct cultural identities, such as the Québécois culture in Quebec.

In conclusion, the cultural similarities between Canada and the UK have had a significant impact on Canadian identity, but Canada's cultural identity is constantly evolving and is not limited to its ties to the UK. Casinos like on this site are also a new and emerging aspect of Canadian culture, reflecting the country's progressive and liberal attitude towards gambling and entertainment.

Political Systems

The British parliamentary system is a system of government in which the executive branch is responsible to the legislative branch, with the head of government (the Prime Minister) selected from the majority party in the legislature. The adoption of this system in Canada can be traced back to the British North America Act of 1867, which established the Dominion of Canada and laid the foundation for Canadian parliamentary democracy. Today, Canada's parliamentary system is based on the Westminster model, which originated in the UK.

In contrast to the British parliamentary system, the United States has a presidential system of government, in which the executive branch is separate from the legislative branch. The President is both the head of state and the head of government and is elected separately from the legislative branch. This system is based on the US Constitution, which was written in 1787.

The political system has had a significant impact on Canadian values and culture. The parliamentary system fosters a culture of compromise and cooperation between political parties, which has contributed to Canada's reputation for being a peaceful and politically stable country. The system also promotes the idea of collective responsibility, in which the government is accountable to the people and must work in the best interests of the country as a whole.

In contrast, the presidential system in the US promotes individualism and competition between political parties. This can result in a more adversarial political culture, in which compromise is often viewed as a sign of weakness. The system also places a significant amount of power in the hands of the President, which can lead to a more centralized form of government.

Economic Relations

Canada and the UK have a long history of economic ties. The two countries are both members of the Commonwealth of Nations and have a shared legal and cultural heritage. In recent years, the UK has been one of Canada's top trading partners, with bilateral trade totaling more than $22 billion in 2019. The two countries have a strong economic relationship in a number of sectors, including finance, aerospace, and renewable energy.

While the US is Canada's largest trading partner, the economic relationship between the two countries is often characterized by tension and disagreement. The US has imposed tariffs on a number of Canadian goods, such as lumber and steel, which has led to strained relations between the two countries. Additionally, the US has been a vocal critic of Canadian policies, such as the government's support for the dairy industry.

Economic relations with the UK and the US have had a significant impact on Canadian identity and culture. The strong economic ties between Canada and the UK reflect the historical and cultural links between the two countries, and have contributed to a shared sense of identity and values. In contrast, the sometimes contentious economic relationship with the US has highlighted the differences between the two countries and has led to a sense of Canadian identity that is distinct from that of the US.

Additionally, Canada's economic ties with other countries, such as China and the European Union, have contributed to the country's multicultural identity and have helped shape its place in the global economy. Canada's open and liberal approach to international trade reflects the country's progressive values and has helped shape its reputation as a peaceful and welcoming nation.

In summary, economic relations with the UK and the US have had a significant impact on Canadian identity and culture. The strong economic ties with the UK reflect the historical and cultural links between the two countries, while the sometimes contentious economic relationship with the US has helped to define Canada's distinct identity and values. Additionally, Canada's open and liberal approach to international trade has contributed to the country's multicultural identity and has helped to shape its reputation as a peaceful and welcoming nation.

Conclusion

In this blog article, we have explored the reasons why Canadians have more in common with the UK than with the US. We have examined the historical background of Canada's ties to the UK, including the impact of British colonization on Canadian culture and values. We have also looked at the differences between the British parliamentary system and the US presidential system and how this impacts Canadian society. Additionally, we have compared social policies in Canada and the UK, cultural similarities, and economic relations between Canada and the UK and the US, and how these have impacted Canadian identity and culture.

In summary, we can see that Canadians have more in common with the UK than with the US. The cultural, political, and economic ties between Canada and the UK have deep roots that continue to influence Canadian identity and values.

See:  Will Crypto Recover in 2023? Quite Possibly, and Here’s Why

While Canada's ties to the UK are significant, it is important to remember that Canada's cultural identity is constantly evolving, and is not limited to its ties to the UK. Canada is a multicultural society, with a diverse range of influences that contribute to its unique identity and values. However, it is clear that the historical, cultural, and economic ties between Canada and the UK have had a significant impact on Canadian society and have contributed to a shared sense of identity and values. As Canada continues to evolve and grow as a nation, it will be interesting to see how these ties continue to shape Canadian identity and culture.


NCFA Jan 2018 resizeThe 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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Tips on How to Approach Funding in the Current Market

FastCompany | Leslie Feinzaig | Feb 6, 2023

Freepik – Yanalya, investor deal

Image: Freepik/yanalya

There was a moment last spring when startup founders across the globe experienced a sudden collective whiplash. It was the Great Venture Capital Reset of 2022, when fundraising activity screeched to a halt after running fast and hot for the longest bull market in VC history.

  • Data from last quarter also confirms that rounds are taking much longer to come together.
    • “The average time between a seed round and a Series A stood on average at 621 as recently as Q1 2021”.  In Q4 of 2022 it was 798 days. That’s the highest we’ve tracked in more than five years.”
    • Valuation caps were also lower: Median seed round pre-money valuation dropped to $14M in Q4 compared to $15M in Q1 2022, and median Series A was $39M in Q4 versus $50M in Q1. In other words, rounds are happening, but they are low and slow.
    • VCs spending more time and dollars on existing portfolio firms: A recent report published by DocSend suggests that founders are sending out 30% more pitch decks since the start of 2022. Unfortunately, VCs are engaging with them 23% less often.

See:  Corporate Venture Capital and How It May Impact Your Startup

  • New norm for now: Advice for founders who are considering raising an early round of venture capital this season.  When it comes to valuation caps, the new normal necessitates that founders be realistic, forward looking, and even pragmatic. “Instead of thinking, ‘How much do I believe I’m worth?’ shift to “What valuation can I grow into comfortably in a short period of time?” says Hernandez Middleton.
  • I encourage founders to create a financial model that connects expenditures to business outcomes and use it to determine how much money you really need to get to the next stage.  Investors are paying very close attention to these numbers, and the reasoning behind the numbers.
  • Metrics:  traction was a key factor for successful fundraising in the latter half of 2022.  VCs spent 41% more time looking at traction in decks. It was the “most-scrutinized section among companies that didn’t receive funding.” In other words, traction alone won’t get you a round, but a lack of traction will thwart you.
  • Be current:  encourages founders to revisit their customers’ needs and the problem they are solving. “We’ve been recommending founders go deep with customers to refresh any early discovery work—does your initial value proposition still solve an urgent problem?” she asks. “Make sure you understand how their world has changed in this market.

See:  Venture Capitalists Dislike Women More Than They Like Profit

  • Investor-founder fit:  One thing that makes fundraising much easier is to have strong investors acting as your advocates.  “Finding investor-founder fit is more important than ever. As funds continue to grow, specific partners focus on specific theses. And as VC firms proliferate, each fund has a very specific mandate. My advice to founders is to focus on finding your believers, and ignore the noise of the crowd.”

Continue to the full article --> here


NCFA Jan 2018 resizeThe 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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NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter