Category Archives: Fintech Services

FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team

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NCFA | Samuel He | July 28, 2020

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With technical job creation outpacing the rate of technical studies graduates, demand for software developers is high. As a result, competition for in-house software development talent is expensive.

The rapidly growing Fintech space requires top-notch development teams to push the limits of new financial experiences. Ideas in fintech are plentiful, but the challenge is a lack of technical capability.

Recognizing this need, Finnovate.io was founded in 2016 to provide digital innovation services to customers in the Fintech ecosystem.

Finnovate.io specializes in web, mobile, and blockchain application development. They have a track record of providing technical expertise at all stages of product development.

See:  Fearless: How Technology Helps Conquer our Fear of the Unknown

Acting as a trusted software development partner, the company leverages its expertise in software technology and finance by working closely with a client’s core team. Their mission is to deliver results while cutting time to completion, costs, and stress.

As a part of their product mix, they also deliver technical training to their Fintech partners.

Finnovate.io’s training initiatives involved gamifying financial literacy training in the classroom for Junior Achievement. They also delivered a budget simulation experience that changes the way students learn about personal finance as part of the organization’s Dollar with Sense program.

At the enterprise level, the team helped accelerate the adoption of modern web and mobile technologies for Manulife. With their expertise, multiple teams at Manulife were trained on the latest web development technology to build the next generation of financial tools and products.

 

Finnovate.io nailed the shortlist, so check them out at the FFCON20 RISE Fintech Draft. 

Check out their profile or If you like what you see, show them some love and give them your vote.

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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Bid – Ask: Seedrs Secondary Market Now Allows Variable Pricing for Listed Securities

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Crowdfund Insider | | Jul 27, 2020

SeedrsSeedrs raising capital - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team has long been an innovator in the secondary market for crowdfunded securities. Today, the leading UK based crowdfunding platform is announcing variable pricing for its secondary market.

Launched in 2017, Seedrs Secondary Market has continued to iterate and add new features and functionality. Of course, the biggest challenge is liquidity but that is something that should resolve itself over time as the platform grows and external issuers utilize the marketplace.

According to a recent blog post, Seedrs July market volume saw levels return to their “pre-Revolut levels of trading.” Seedrs states that during the July opening, 907 share lots were sold worth £229,000. There were 456 buyers and 423 sellers trading in securities issued by 162 businesses at an average value per business of £1.4k. Seedrs reports that each seller made an average profit of £202.

See:  OSC LaunchPad approves TokenGX (Tokenfunder) for Secondary Trading of Digital Securities

Variable pricing should make it easier for buyers and sellers to make a market by matching supply with demand more effectively.

In an email, Seedrs founder and Chairman Jeff Lynn said variable pricing represents an “important milestone in our work to be a full-scale marketplace for private investments.”

“The change will work as follows. Previously, as a prospective seller, you have only been able to list shares on the Seedrs Secondary Market at the set price we determine under our Valuation Policy (which is usually the company’s latest valuation). Buyers in turn have only been able to buy the shares at that price. Starting now, however, we will allow sellers to list their shares at a premium or discount price – up to 30% above or below the marked share price – if they so choose. Buyers will see each share lot and the price at which it is listed, and they can make their investment decision accordingly.”

The change is effective as of today and will be available during the August market day.

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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Banks in US Can Now Offer Crypto Custody Services, Regulator Says

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Coindesk | Nikhilesh De | Jul 22, 2020

bank vault - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical teamIn a letter dated July 22, Senior Deputy Comptroller and Senior Counsel Jonathan Gould wrote that any national bank can hold onto the unique cryptographic keys for a cryptocurrency, clearing the way for national banks to custody digital assets for their clients. At present, only specific crypto custodians, such as Coinbase, can do so, usually with a trust charter issued by a state financial regulator.

The letter, which appears to be addressed to an unidentified bank or similar entity, notes that banks “may offer more secure storage services compared to existing options,” and that both consumers and investment advisors may wish to use regulated custodians to ensure they don’t lose their private keys, and therefore, access to their funds.

See:  Consilium Crypto Saves 10% on Transactions for Institutional Digital Asset Traders

“Providing custody for cryptocurrencies would differ in several respects from other custody activities,” the letter said.

It pointed to the need for digital wallets, adding that because they exist on a blockchain, there is no physical possession for cryptos.

“The OCC recognizes that, as the financial markets become increasingly technological, there will likely be increasing need for banks and other service providers to leverage new technology and innovative ways to provide traditional services on behalf of customers,” the letter said.

Banks can provide both fiduciary and non-fiduciary custodian services, the letter said.

It also specified that banks entering the space “should develop and implement those activities consistent with sound risk management practices and align them with the bank’s overall business plans and strategies.”

The OCC is currently headed up by Brian Brooks, a former Coinbase exec who joined the regulator earlier this year. He’s filled in as Acting Comptroller since the beginning of the summer, and has already proposed a number of reforms that would benefit crypto companies, including a national payments charter which would let crypto startups bypass the state-by-state approach in terms of acquiring money transmission licenses if they provide payment services.

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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FFCON20 Draft Shortlist ENGAIZ: Building relationships through AI based risk mitigation

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NCFA | Samuel He | July 22, 2020

FFCON20 Fintech Draft Engaiz - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team

Technology innovation and competition has led to increased dependence on third-party providers for essential services.

The result has been an increase in security risks, data privacy, business resiliency, and reputation. These risks cost organizations millions of dollars every year. And the problem is made worse by trying to manage these risks with disintegrated risk management processes and manual governance.

Founded by Jai Chinnakonda, ENGAIZ is an automated AI-driven platform aimed at tackling these problems.

ENGAIZ’s mission is two-fold. One goal is to help enterprise customers effectively engage and govern third-party vendors. This strengthens relationships, mitigates risks, controls cost, driving performance and innovation.

The second is geared towards helping third-party vendors move from being a mere vendor to a trusted partner. It is a win-win scenario.

ENGAIZ uses machine learning and analytics to provide Integrated Governance and Continuous Risk Monitoring. Their services center on Strategic Vendor Engagement and Strategic Customer Engagement.

Strategic Vendor Engagement provides several benefits to organizations. The platform allows for the ability to schedule, track monthly, quarterly and annual business review meetings with their vendor partners. It also emphasizes a move from a focus on ‘Cost Savings’ to ‘Risk Sharing’ partnerships that fosters a culture of Innovation.

Strategic Customer Engagement provides ample benefits to third party providers. The centralized document repository increases efficiency by allowing the ability to manage and track customer-related documents all in one place. The platform also ensures that providers are compliant with tough regulatory requirements.

Now, if you want to know more about ENGAIZ, see them at FFCON20 RISE Fintech Draft. 

If you like what you see, toss them some stars and give them your votes.

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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Open Banking – North American Style

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Fintech Talents | Lisa Moyle  | Jul 14, 2020

open banking north america style - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical teamOpen Banking is taking shape in different ways across North America. From driving the development of new providers to enabling existing institutions to keep pace with a fast changing industry, the impact on financial services is significant. As the current crisis demonstrates, the swift change in the economic outlook and the situation of consumers and business alike, not to mention a rapid move to digital channels, the ability to understand, pivot and serve customers is so crucial and can be supported by open access to vital market data.

Open Banking is coming to North America but is taking shape in different ways across the continent. From driving the development of new providers to enabling existing institutions to keep pace with a changing industry, the impact on financial services will continue to grow in significance. That impact and the innovations that open banking initiatives support and catalyse, no doubt, will vary depending on the structure and regulatory framework of the financial services sector and the needs of economies/communities. It both opens the gateway to opportunity and flags challenges and jobs to be done.

See:  Digital IDs Help Open Banking Reach Its Fullest Potential

Open Banking in the US differs greatly, for example, from the European approach which was propelled by technology trends and solidified through regulatory initiatives (PSD2, The Open Banking rules in the UK). There is no single regulatory framework in the US compelling existing institutions to share data through an open API standard and no broad-based accompanying rules protecting consumer data or mandating security standards. According to a 2018 report by the US Treasury, although there is a will to avoid fragmentation and remove regulatory/legal uncertainty, a mandated and coordinated approach is not supported or deemed feasible.

As the report notes, “There are significant differences between the United States and the United Kingdom with respect to the size, nature, and diversity of the financial services sector and regulatory mandates. Given those differences, an equivalent Open Banking regime for the U.S. market is not readily applicable.”

While open finance in North America will not look like it does in the UK or Australia, the need for it here is not unique,” said Steve Boms, executive director of FDATA North America. “And with millions of families and small businesses struggling to keep afloat, there is no time to waste. Consumers will have improved access to capital, financial tools, and sound retirement options once they gain full control of their own data. North American economies simply will not be able to build back until open finance is a reality.”

See:  3 examples of what open finance can do right now

Open banking is coming to America but it will be driven by the private sector and State and Federal regulators will get involved as required rather than being in the driving seat. That may well be the American-way but market forces will continue to drive the adoption of Open Banking.

The Financial Data Exchange (FDX) is a prime example of how the financial industry has come together rapidly around a common, interoperable and royalty-free API standard to make the open finance concept a reality regardless what type of regulatory framework may be in place,” said Don Cardinal, Managing Director of the Financial Data Exchange.

“FDX is a big tent with financial institutions, consumer groups, fintechs, financial data aggregators, payment networks, financial industry groups and other permissioned stakeholders of all sizes at the table and working to ensure that consumers have secure and reliable access to their own data,” added Cardinal.

New entrants will seek access to key troves of consumer data held by banks and other financial institutions and those very same institutions will need to keep pace with the rapidly evolving technological landscape and equally fast changing customer expectations and needs.

According to Alex Yang, Director, CashPro API and Global Open Banking Strategy Bank of America Merrill Lynch, “Absent the ‘letter’ of open banking, organizations like Afinis, SWIFT, and FDX have stepped in to help lead conversations on behalf of the North American corporations who seek access to commercial or retail data and services in the ‘spirit’ of collaboration and innovation. It is this spirit that will help improve the financial lives of businesses and consumers alike.”

See: 

Looking North and South from the large US market. Canada and Mexico are also seeking to create more competitive, responsive and inclusive financial services sectors through exploring/supporting government-led initiatives. The Department of Finance Canada established an Advisory Committee in 2018 and published an initial consultation into whether a UK Style approach should be adopted.

Further plans have been delayed due to the Covid-19 pandemic and progress has been stalled. Whilst the lack of a mandated open API may not block innovation, it may well make a concentrated banking sector slower to move and create barriers to faster innovation.

The current crisis is illustrative as the swift change in economic outlook and the situation of consumers and business alike, not to mention a rapid move to digital channels, further highlights the extent to which the ability to understand, pivot and serve customers is so crucial and can be supported by open access to vital market data.

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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Treasury mulls plan to set up coronavirus toxic debt body to save UK small businesses

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The Guardian | Kalyeena Makortoff  | Jul 16, 2020

Covid impact on small businesses - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical teamCity calls for state-owned recovery corporation to handle £35bn of unsustainable government-backed debt

The Treasury is reviewing a “radical” proposal for a new state-owned body that would manage £35bn of toxic coronavirus debt and help save up to 780,000 British businesses.

A City taskforce, the Recapitalisation Group, led by EY and the lobby group TheCityUK, is recommending that a government-owned UK Recovery Corporation be established to handle a growing pile of unsustainable government-backed debt that could otherwise wipe out thousands of businesses and lead to 3 million job losses.

See:  Refusal to embrace open banking puts Canada behind yet another curve

Businesses that took on debt through the government-backed coronavirus business interruption loan scheme (CBILS) or bounce back loan scheme (BBLS) would be able to apply for special measures through the corporation if they were at risk of default.

The UK Recovery Corporation would be able to convert their government-backed debt into special financial instruments such as preference shares or an earnings-based profit tax, giving businesses breathing space to repay and recover from the coronavirus crisis.

This would help avoid using taxpayer money to cover unpaid debts if firms otherwise defaulted on their government-backed loans.

It is understood that the final report by the Recapitalisation Group, publicly released on 16 July, is being reviewed by the Treasury.

Adrian Montague, the former chairman of Aviva and chairman of TheCityUK’s leadership council, said:

“It’s clear that the Treasury are grappling with the problem of how they get these loans repaid without impairing the recovery. I think that some of our solutions are quite radical, so I think it’s obviously going to be for the Treasury to decide on how they want to take these ideas forward.”

So far, more than 1m businesses have taken on debt of £31.7bn through the BBLS scheme, which is aimed at the UK’s smallest businesses and is 100% government-backed. A further 54,538 loans worth £11.85bn have been granted to small and medium-sized businesses through the CBILS scheme, which comes with an 80% government guarantee.

See:  UK Government Adds COVID-19 Program to Support Early State Ventures. Is it Enough?

The report estimates that 2.3m businesses will have a CBILS or BBLS loan by the end of March 2021.

While BBLS loans, which are interest and payment-free for 12 months, will come up for repayment from March 2021, the City taskforce warned that a solution needed to be in place by the end of October 2020. That is when companies will come under greater financial pressure with the winding down of state measures including the furlough job retention scheme.

Montague said: “We had originally thought this would be a problem for March next year, but actually it’s going to hit in Q4 this year when the rent relief starts to end, when the furlough scheme starts to unwind, and when VAT payment deferrals need to be made. So it’s not far away.  “We are urging the government to take immediate action to address these issues.”

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NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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JOIN US THUR, AUGUST 6 DIGITAL IDENTITY & CONVERGENCE MARKETPLACES WEEK!


As the digital economy grows and the world increasingly moves online, the future of digital identity will deliver new frameworks and infrastructure to support digital commerce, online interactions and social identification in more secure and robust ways than ever thought before. This future is here today where individuals and businesses can establish digital representations of their identities to serve as the gateway to store and protect sensitive data, manage permissions and ultimately enable the future of Convergence Marketplaces.



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How FinTech Companies Can Help Students?

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Guest Post | July 14, 2020

financial technology - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical teamTechnology is never staying in one place and is regularly developing. You might think that the technologies that you use now cannot be improved and that there is nothing that can be better than this, but then in a couple of days, you read a new article about some exceptional discovery, and you realize that this is not it.

Technology is an integral part of your whole life. Just think for a moment. You buy your morning mocha only with a wave of your watch, send money to a person that is hundreds of miles away from you, and complete many other money transactions thanks to the improvements in the financial technology field.

See:  Can Fintech Make the World More Inclusive?

Over the last couple of years, fintech companies have been evolving extremely fast, and recently they have begun to manage student loan debt. They offer students everything that they possibly can – an opportunity to become fluent in financial literacy, loan refinancing, educate the students in the ways they can pay off their loans.

However, such companies are not suitable for every student. But the good thing is that they provide some outstanding perspectives regarding student debt.

The Next Step to Reach Financial Literacy

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According to Investopedia, the term “financial literacy” stand for the ability to use different financial skills to become more self-sufficient and to reach financial stability. To be more precise, it includes the knowledge and correct usage of essential terms like diversification and inflation.

Any loan given to any person has stated rates and conditions. The same applies to student loans. And when a student has no knowledge of the key financial concepts and doesn’t understand what is going on in the loan agreement, he or she might easily get into trouble.

Fintech companies provide their clients with a chance to get more fluent in financial literacy by offering budgeting tips and various savings guides.

A Simpler Understanding of Money Management

Of course, having a basic understanding of the main financial concepts is amazing, but that is not enough. A successful student must also have at least some knowledge and understanding of his own financial situation.

How often do you ask yourself, “Who can write my paper instead of me?”. If you do this very often, and then go and find an essay writer to pay money for a paper, you are definitely not managing your budget correctly. Maybe you don’t actually realize why you spend so much money in a short period of time, but after a fintech company helps you to analyze your fin

ancial situation, you will be able to understand where all of your money goes.

It is very easy to drain a budget when you are spending on a lot of things that you do not actually need. But having a strict and set budget plan can help you a lot. If a student is familiar with his own income and expenses, it makes it possible for that student to set a limit and maybe even save some money for the upcoming planned expenses.

Post-Secondary Education

Even when a student gets help with managing his expenses and successfully graduating, it doesn’t mean that he will have enough money to get a post-secondary education. In most cases, the student simply is not able to pay for it without proper financial help.

See:  FFCON20 fintech cage match: Financial planning vs literacy

The analysis of the growth in post-secondary tuition claims that it keeps rising every year, making it even harder for the students to pay for it. And the even sadder fact is that the wage isn’t increasing at such a crazy rate as the tuition and fees are.

The Bottom Line

When it comes to earning a higher education degree, taking a loan is an almost inevitable thing to do. If the student loan system remains the same as it is now, students will need to keep looking for various possibilities for taking a loan to pursue their dream career.

Fintech companies provide a huge number of services and options, but their main goal is to provide any students with a chance to stay in control of one’s finances.  Students don’t need to pay anything to get that possibility.

All you need to do is download one of the fintech apps and get registered. You can easily access the numerous features of your mobile phone. According to HuffPost, this is just the beginning. As time passes by, more and more fintech companies will begin to offer student loans. It is up to you to risk it or not, but loans from fintech companies is a great way to do it.

 


NCFA Jan 2018 resize - FFCON20 Draft Shortlist Finnovate.io: Your virtual technical team 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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