Paul Schulte, Advisor, Banking and Financial Services
August 22nd, 2019
Paul Schulte is the Founder and Managing Editor of Shulte Research based in Singapore. Paul's roles[...]
Category Archives: Fintech Services
Wealthsimple launches its first spending account
Wealthsimple | Press Release | Jan 21, 2020
Wealthsimple Cash offers 2.4% interest rate and lets Canadians save and spend through a mobile app and metal card
TORONTO, Jan. 21, 2020 /CNW/ - Wealthsimple has launched its first hybrid saving and spending product: Wealthsimple Cash. The new account offers users the ability to save and spend with one of Canada's highest non-promotional interest rates of 2.4% - in addition to a host of features that help people earn more on every dollar in their Cash account.
Wealthsimple Cash combines a saving and spending account to give Canadians the power to have both an account that allows for everyday purchases while also providing a safe place to grow their money. Cash clients will benefit from no monthly account fees, no low balance fees, no foreign transaction fees worldwide, and ATM fee reimbursements - all through a sleek, metal card designed to make spending responsibly easy.
"Canadians are used to the status quo when it comes to everyday banking - multiple accounts, high fees and low interest," said Michael Katchen, CEO and co-founder, Wealthsimple. "With Wealthsimple Cash, users can enjoy the power of a high interest savings account for all of their day-to-day spending needs. And they can do so while enjoying the full benefits of a Wealthsimple account: simple, affordable and transparent."
Today, one million Canadians use Wealthsimple products for investing, saving, trading, tax filing, and now spending. The launch of Wealthsimple Cash brings the company one step closer to being its clients' primary financial relationship through a more holistic, end to end financial experience.
See: Wealthsimple to spin out advisory service into separate company
Wealthsimple Cash will have the following features:
- 2.4% interest rate (non-promotional)
- No monthly account fees
- No low balance fees or account minimums
- No exchange fees on foreign currency transactions worldwide
- ATM fee reimbursements at Visa ATMs in Canada
- Tungsten metal Wealthsimple Cash card
- Direct deposits
- Bill pay
- Apple Pay and Google Pay support
Canadians can open a Wealthsimple Cash account today to start saving and be first to access spending features as they are rolled out over the coming months, including the Wealthsimple Cash card.
View 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
 |  |  |
  |
FT Partners Report (Jan 2020): The Rise of Challenger Banks: Are the Apps Taking Over?
FT Partners | Jan 2020
Executive Summary:
The banking sector is experiencing a major shift globally, as Challenger Banks are becoming increasingly formidable competitors to traditional banks and have begun to capture significant market share. Furthermore, the lines between banks and other consumer financial services providers are blurring, with several alternative lenders and robo-advisors beginning to offer banking products to their customers. E-commerce / internet giants are also jumping into the fray with Google and Amazon, among others, beginning to offer banking products. In response to the emergence of Challenger Banks, a number of incumbent banks have launched their own FinTech brands, and traditional financial institutions will likely turn to FinTech solution providers in order to defend their turfs.
Download this Jan 2020 FT Partners Fintech research (216 page PDF) -> Now
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, 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
| | |
|
Goldman Sachs, the 150-year-old investment bank, is staking its future on a mobile app
CNBC | Hugh Son | Jan 13, 2020
Key Points- When Goldman Sachs released a long-awaited app for customers of its Marcus consumer bank last week, it did so with little fanfare or hype.
- But the app will one day serve as the bank’s storefront and one-stop shop for an array of digital banking services, according to Adam Dell, a Goldman Sachs partner and head of product at Marcus.
-
“There are two kinds of incumbent banks,” Dell told the audience at a financial conference in June. “There are banks that are screwed, and there are banks that don’t know they’re screwed.”
When Goldman Sachs released a long-awaited app for customers of its Marcus consumer bank last week, it did so with little fanfare or hype.
Unlike the intense attention on its last retail product, the Apple Card, the launch of the bank’s Marcus app was heralded by little more than a smattering of user reviews.
See: JPMorgan has a plan to help Amazon and Airbnb look more like banks
But the app may prove to be far more important to Goldman than its credit card partnership with Apple. That’s because the portal, which today lets customers check balances and set up recurring transactions, will one day serve as the bank’s storefront and one-stop shop for an array of digital banking services, according to Adam Dell, a Goldman Sachs partner and head of product at Marcus.
“Over time, our ambition is to extend the capabilities of the Marcus app and have that be the centerpiece of our consumer-facing experience,” Dell said in an exclusive interview.
The app comes at a crucial time for Goldman. Ahead of the bank’s first-ever investor day later this month and earnings report this week, shareholders are eager to hear about how 3-year-old Marcus will drive revenue growth. Last week, Goldman, which has served corporations, heads of state and rich individuals for most of its 150-year history, changed its reporting lines to give its retail operations a stand-alone division for the first time.
Goldman executives like Dell – an entrepreneur and brother of billionaire Michael Dell who joined Goldman in 2018 after selling his start-up to the bank for $100 million – have made no secret of their intention to beat big retail banks at their own game. That means expanding Marcus from its two products – savings and personal loans – to potentially include wealth management, mortgages, car loans, insurance and cards beyond the Apple Card.
See: JP Morgan is rolling out the first US bank-backed cryptocurrency to transform payments business
Dell, who is a part of a recent wave of outsiders to join Goldman at the senior-most partner level, said the firm spent much of last year planning, building and testing the app with hundreds of employees. The development team was led by Dell and former employees of Clarity Money, the personal finance start-up that Goldman acquired.
“Our aspiration is very clear: We want to build the best digital banking experience that any customer can have,” Dell said. “As I think about the competitive landscape of the incumbent consumer banks, I think there’s enormous opportunity for us to differentiate ourselves with great digital products.”
Perhaps more than at any time in decades, bank customers are up for grabs as consumer preferences evolve, driven by slick apps from tech firms like Uber. And unlike tech giants like Google and fintech competitors like Chime, Goldman doesn’t have to partner with a bank to offer services – it became a bank holding company in 2008.
But as last week’s disclosure showed, Goldman’s retail business is tiny compared with rivals. High expenses as the company ramped up investments in Marcus and the Apple Card meant the business generated a fraction of the profit of the bank’s other, mature lines. Marcus has collected about $55 billion in deposits and made $5 billion in loans, a pittance compared with the more than $1 trillion in deposits and $900 billion in loans J.P. Morgan Chase and Bank of America each have.
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
| | |
|
With Plaid Acquisition, Visa Makes a Big Play for the ‘Plumbing’ That Connects the Fintech World
Fortune | Rey Mashayekhi | Jan 14, 2020
In late 2018, payments giants Visa and Mastercard both invested in fintech startup Plaid through a $250 million funding round that valued San Francisco-based firm at an impressive $2.65 billion.
Described as “strategic investments,” the two financial services heavyweights sought not only to provide Plaid with financial backing, but also to leverage the fintech firm’s sprawling technological capabilities to improve their own services.
See: Visa R&D Arm Develops a Blockchain System That Could Replace Financial Data Aggregators
“We’re really excited about working with [Plaid] to enhance payment experiences globally,”
Bill Sheedy, executive vice president of Visa’s strategy group, told Fortune at the time.
With Plaid’s APIs (application programming interfaces), Visa could potentially improve the customer experience via everything from fraud detection to real-time account balance verification—services that “reduce the friction around financial transactions,” as Sheedy put it.
A little over a year later, Visa has decided to come back for the whole thing.
Whether it beat its great rival Mastercard to the punch, or saw a deal that its East Coast rival did not see, is as yet unclear. But on Monday, Visa announced that it has agreed to acquire a 100% stake in Plaid in a deal valued at a whopping $5.3 billion (twice the firm’s late-2018 private valuation).
The transaction sees Visa snap up one of the more impressive growth stories in the ever-expanding realm of financial technology. Since launching in 2013, Plaid has made itself an indispensable piece of the fintech ecosystem—a company with the technological capabilities to connect one in four people with a U.S. bank account to thousands of apps and services, from Venmo to Robinhood, from Chime to Acorns.
Plaid likes to describe itself as the “plumbing” that makes the increasingly tech-enabled financial services world go round, a claim justified by the company’s already sizable reach. Given the eye-watering sum that Visa is prepared to fork over—not to mention the bullish noises coming out of the company’s C-suite on Monday afternoon—
it’s clear that the payments behemoth believes it is picking up an asset that will help it “capitalize on the fintech-driven evolution,” as Visa CEO Al Kelly put it.
“Fintechs are clearly reshaping financial services, and Plaid is unquestionably the leader in this space,” Visa president Ryan McInerney told Fortune on Monday.
The deal is about expanding Visa’s services beyond its bread-and-butter, debit and credit card solutions and into a “broader set of money-movement services,” as McInerney described it.
See: Visa Makes Its Second Investment Into a Crypto Startup
While Visa may have 3.4 billion debit card holders globally, the acquisition of Plaid—a company that holds the keys to countless fintech services that promise to increasingly shift online the way that people move and spend their money—provides the credit card giant with access to “new products and services in a higher-growth market than we are in today,” McInerney said.
According to EY, 75% of the global consumers accessed a fintech application for money transfers and payments last year, compared to only 18% in 2015. “It’s something that positions Visa for the next decade and beyond,” McInerney added.
Continue to the full article --> here
View presentation summary deck of Visa's acquisition of Plaid --> 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
| | |
|
Grab launches first cloud kitchen in Singapore amid GrabFood expansion
Tech In Asia | Miguel Cordon | Jan 8, 2020
Southeast Asian ride-hailing giant Grab has opened its first cloud kitchen in Singapore as part of the company’s 2020 expansion strategy for its food delivery service GrabFood.
GrabKitchen offers merchant-partners a platform to introduce new food concepts and brands. In addition to offering a space to operate in, GrabFood takes care of utility management within the facility and marketing support within the app, helping reduce onset business challenges.
The GrabKitchen in Hillview brings over 10 F&B brands, including three new virtual restaurants, to northwest Singapore, according to a statement. Grab is also planning to launch more cloud kitchens in the city-state within the first half of the year.
See: Social equity must be central to urban tech innovations
Along with this, the company unveiled a GrabFood merchant platform designed to provide tools for merchant-partners. It seeks to cater to their end-to-end business needs that span procurement, marketing, finance, and business management to help them expand their businesses.
The platform will include features such as a unified merchant app and a dashboard with access to GrabFood, Grab Financial Group, and GrabAds services. It will also help merchant-partners procure discounted kitchen supplies and ingredients through Grab’s agent network and offer tailored solutions to improve merchants’ existing processes. According to the company, it will roll out the features in phases during the year.
GrabFood regional head Lim Kell Jay said that the announcement comes on the back of a 5.2x growth in gross merchandise value and a 173% increase in active users for the business last year.
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
| | |
|
Fintech: The Fourth Platform
Forbes | Matthew Harris | Nov 22, 2019
This is part two of a two-part essay diving into the future of fintech. Read part one.
In part one of this essay, I discussed how fintech was moving from being a business model unto itself, to being an ingredient used in other technology businesses. This is what we refer to as the “fourth platform,” joining internet, cloud and mobile in the modern technology stack. In this essay, we will discuss why this is happening and offer some early examples.
Benefits of embedded financial services
When you look at the benefits of this embedded financial services model, the first point is obvious: as a technology founder, you’re already going through the hard work of acquiring customers, and as a result you have created the opportunity for a zero customer acquisition cost cross-sell. But the opportunity goes well beyond that basic business logic.
See: Fintech’s next decade will look radically different
Having these financial functions integrated with software enables new functionality, leveraging the persistent connection to move beyond transactions to relationships. We’ve already been trained to conduct financial transactions inside of software applications (think payments inside of Uber), so if you’re utilizing software to run your business, using that same software to get paid and make payments is logical and more natural than going to your financial institution to do so. These relationships are data-rich, which leads to smarter cross-sell, prequalification and massive risk reduction. The monetization opportunities are not only large, but actually meaningfully larger than the original software opportunity.
Integrated payments
As with most financial innovation, the first subsector to evolve is payments. When you look at payment card volume in the United States, for example, eight percent of it has migrated to what we call integrated payments, that is, merchant payments that are sold and managed through software companies as opposed to traditional payments companies. That portion is growing at two times the rate of the overall market, and analysts estimate it will hit 40 percent in the medium term. Why?
Take Shopify, a $36 billion software company that helps small businesses get online and setup e-commerce sites. You could think of it as shopping cart software. But at this point in time, the majority of its revenue comes from payments and that proportion is increasing. If you look at its website, you can see our thesis in action: zero CAC natural cross-sell, instant set up (most payments companies have to underwrite their merchants for risk, which takes time and hassle), novel functionality integrating settlement process and data into existing workflow, and then obviously additional revenue/enhanced monetization.
There are similar stories at many of our own portfolio companies. When we invested in AvidXchange four years ago, it was a majority software company, but by next year it will be 80 percent payments. Zelis Healthcare, which recently combined with RedCard Payments to form the next-generation leader in healthcare payments optimization, will similarly scale from almost entirely software to nearly a majority payments revenue in the next few years. We recently invested in Finix, the leading company enabling software companies to become payments companies.
See: Where top VCs are investing in fintech?
In certain segments, the innovation has come in waves. For example, take the rental payment market, which started with old school payments companies like FirstData, then progressed with Fintech 1.0 player, ClickPay, and now to the fully-embedded model, Cozy. However, our bet is that companies like SmartRent represent the next generation, with an even deeper integration.
SmartRent sells and installs home automation hardware into rental buildings, and uses that as a methodology for getting widespread and persistent connectivity to tenants in the form of its app. This year, it will incorporate rent payment into the app, and as soon as next year will sell renters insurance. SmartRent is the logical evolution of insurtech companies like Lemonade — zero CAC, integrated into its own smart lock and leak detection system for a persistent data-rich connection and novel functionality, and with excellent incremental monetization.
Integrated lending
Within lending, we’re starting to see some early examples of embedded fintech. For example, we've seen the rapid rise of the payroll advance lenders. This type of loan recognizes that workers are paid in arrears, and have a balance of worked hours that can represent, in effect, collateral for a loan. This began with the 1.0 versions, like Dave, which finds borrowers through marketing channels and attempts to underwrite their hours worked algorithmically. This has quickly evolved to where modern software-driven payroll companies like Gusto can offer this functionality through their employer’s customers, reducing CAC to zero, increasing data-richness and validity through their ownership of the payroll system, and adding another leg of monetization.
See: What to expect from social fundraising world in 2020
Our portfolio company Wisetack provides an API-driven infrastructure for software companies to add point of sale lending to their offerings without becoming lenders themselves. Lambda School, ostensibly an edtech company, has leveraged an innovative financing product called an ISA, creating unprecedented alignment between the school and its students. If SoFi is a classic Fintech 1.0 company (digital student lending!), Lambda is an early example of a technology company leveraging fintech as a platform.
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
| | |
|
Fintech’s next decade will look radically different
TechCrunch | Nik Milanovic | Dec 22, 2019
The birth and growth of financial technology developed mostly over the last ten years.
So as we look ahead, what does the next decade have in store? I believe we’re starting to see early signs: in the next ten years, fintech will become portable and ubiquitous as it moves to the background and centralizes into one place where our money is managed for us.
When I started working in fintech in 2012, I had trouble tracking competitive search terms because no one knew what our sector was called. The best-known companies in the space were Paypal and Mint.
Fintech has since become a household name, a shift that came with with prodigious growth in investment: from $2 billion in 2010 to over $50 billion in venture capital in 2018 (and on-pace for $30 billion+ this year).
See: Navigating the Great Reset: Fintech in Canada in 2020
Predictions were made along the way with mixed results — banks will go out of business, banks will catch back up. Big tech will get into consumer finance. Narrow service providers will unbundle all of consumer finance. Banks and big fintechs will gobble up startups and consolidate the sector. Startups will each become their own banks. The fintech ‘bubble’ will burst.
Here’s what did happen: fintechs were (and still are) heavily verticalized, recreating the offline branches of financial services by bringing them online and introducing efficiencies. The next decade will look very different. Early signs are beginning to emerge from overlooked areas which suggest that financial services in the next decade will:
- Be portable and interoperable: Like mobile phones, customers will be able to easily transition between ‘carriers’.
- Become more ubiquitous and accessible: Basic financial products will become a commodity and bring unbanked participants ‘online’.
- Move to the background: The users of financial tools won’t have to develop 1:1 relationships with the providers of those tools.
- Centralize into a few places and steer on ‘autopilot’.
Prediction 1: The open data layer
Thesis: Data will be openly portable and will no longer be a competitive moat for fintechs.
Personal data has never had a moment in the spotlight quite like 2019. The Cambridge Analytica scandal and the data breach that compromised 145 million Equifax accounts sparked today’s public consciousness around the importance of data security. Last month, the House of Representatives’ Fintech Task Force met to evaluate financial data standards and the Senate introduced the Consumer Online Privacy Rights Act.
A tired cliché in tech today is that “data is the new oil.” Other things being equal, one would expect banks to exploit their data-rich advantage to build the best fintech. But while it’s necessary, data alone is not a sufficient competitive moat: great tech companies must interpret, understand and build customer-centric products that leverage their data.
See: The future of fintech: lending + services
Why will this change in the next decade? Because the walls around siloed customer data in financial services are coming down. This is opening the playing field for upstart fintech innovators to compete with billion-dollar banks, and it’s happening today.
Much of this is thanks to a relatively obscure piece of legislation in Europe, PSD2. Think of it as GDPR for payment data. The UK became the first to implement PSD2 policy under its Open Banking regime in 2018. The policy requires all large banks to make consumer data available to any fintech which the consumer permissions. So if I keep my savings with Bank A but want to leverage them to underwrite a mortgage with Fintech B, as a consumer I can now leverage my own data to access more products.
Consortia like FDATA are radically changing attitudes towards open banking and gaining global support. In the U.S., five federal financial regulators recently came together with a rare joint statement on the benefits of alternative data, for the most part only accessible through open banking technology.
The data layer, when it becomes open and ubiquitous, will erode the competitive advantage of data-rich financial institutions. This will democratize the bottom of the fintech stack and open the competition to whoever can build the best products on top of that openly accessible data… but building the best products is still no trivial feat, which is why Prediction 2 is so important:
Prediction 2: The open protocol layer
Thesis: Basic financial services will become simple open-source protocols, lowering the barrier for any company to offer financial products to its customers.
Picture any investment, wealth management, trading, merchant banking, or lending system. Just to get to market, these systems have to rigorously test their core functionality to avoid legal and regulatory risk. Then, they have to eliminate edge cases, build a compliance infrastructure, contract with third-party vendors to provide much of the underlying functionality (think: Fintech Toolkit) and make these systems all work together.
See: The Decade in Blockchain — 2010 to 2020 in Review
The end result is that every financial services provider builds similar systems, replicated over and over and siloed by company. Or even worse, they build on legacy core banking providers, with monolith systems in outdated languages (hello, COBOL). These services don’t interoperate, and each bank and fintech is forced to become its own expert at building financial protocols ancillary to its core service.
But three trends point to how that is changing today:
First, the infrastructure and service layer to build is being disaggregates, thanks to platforms like Stripe, Marqeta, Apex, and Plaid. These ‘finance as a service’ providers make it easy to build out basic financial functionality. Infrastructure is currently a hot investment category and will be as long as more companies get into financial services — and as long as infra market leaders can maintain price control and avoid commoditization.
Second, industry groups like FINOS are spearheading the push for open-source financial solutions. Consider a Github repository for all the basic functionality that underlies fintech tools. Developers could continuously improve the underlying code. Software could become standardized across the industry. Solutions offered by different service providers could become more inter-operable if they shared their underlying infrastructure.
And third, banks and investment managers, realizing the value in their own technology, are today starting to license that technology out. Examples are BlackRock’s Aladdin risk-management system or Goldman’s Alloy data modeling program. By giving away or selling these programs to clients, banks open up another revenue stream, make it easy for the financial services industry to work together (think of it as standardizing the language they all use), and open up a customer base that will provide helpful feedback, catch bugs, and request new useful product features.
See: Are the fintech bridges working?
As Andreessen Horowitz partner Angela Strange notes, “what that means is, there are several different infrastructure companies that will partner with banks and package up the licensing process and some regulatory work, and all the different payment-type networks that you need. So if you want to start a financial company, instead of spending two years and millions of dollars in forming tons of partnerships, you can get all of that as a service and get going.”
Fintech is developing in much the same way computers did: at first software and hardware came bundled, then hardware became below differentiated operating systems with ecosystem lock-in, then the internet broke open software with software-as-a-service. In that way, fintech in the next ten years will resemble the internet of the last twenty.
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
| | |
|
