Category Archives: Innovation and Resources

Matt Warman’s speech on digital identity at Identity Week 2020

UK Government | Department of Digital, Culture, Media and Sport | Nov 16, 2020

Matt Warman - Matt Warman's speech on digital identity at Identity Week 2020Opening remarks from the Minister for Digital Infrastructure, detailing the government's plans for digital identity in the UK

Good morning. It’s a great pleasure to be invited to speak at Identity Week 2020.

I truly believe that digital identity is one of the most exciting opportunities for growth and security in the UK economy, and I am excited to share my vision with you today.

Digital identity products are a vital building block for the economy of the future. They will enable smoother, cheaper, and more secure online transactions; they will simplify people’s lives, and boost business.

Digital identity solutions can also ensure that people have greater control of their identity data, and provide greater security and privacy standards.

See:  FFCON Week 5 Wrap-up: Digital Identity & Convergence Marketplaces

It has the capacity to allow more people to open a bank account, to allow more people to start a new job faster, and to improve the safety and security of travel both within and beyond the UK — whether for business or pleasure.

Covid-19 has increased the demand for online services: 63% of people are learning a new skill online; 20% are buying groceries online; 20% are managing their money online; and 19% are now accessing health services online.

It is essential that all those in society who want to access services online are able to do so. Use of digital identity is key to unlocking this.

We want to enable the formation of a successful digital identity ecosystem in the UK so these benefits and those increased demands and expectations brought on by the pandemic can be fully realised.

The government is committed to enabling a digital identity system fit for the UK’s growing digital economy — without the need for identity cards — by working in partnership across government, the private sector, academia and civil society.

See:  Tech CEOs call on political parties for policy action to drive digital economy

I want to ensure that UK values will be at the heart of this thinking to ensure that digital identity works for all who wish to use it, and that will be interoperable with as many markets and sectors as possible.

Last year we undertook a call for evidence so we could better understand the potential of digital identity to unlock the digital economy, improve user experience and access to services.

Respondents felt strongly that the government has an essential role to play in enabling secure digital identity solutions for the wider economy, and that the setting of standards is integral to this.

When we published our response to the call for evidence, we also published a set of principles that would underpin our approach to developing policy, namely: privacy; transparency; inclusivity; interoperability, proportionality; and good governance.

Security and consent underpin our approach. I don’t use these words lightly.

While we have been working with our international stakeholders to understand their approach to the development of digital identity policy, these principles have been developed deliberately and specifically to ensure that British values — your values — are the foundation upon which our digital world is built in the UK.

See:  NCFA and KABN Systems North America enter multi-year exclusive partnership to promote Digital Identity in Canada

Policy on something as personal as the way in which we identify ourselves online can only be developed in this way.

By ensuring that the principles set out in our call for evidence response are at the heart of the UK’s digital identity ecosystem, those who choose to make use of a digital identity in the future will have confidence that there are measures in place to protect them.

Consumers will be assured that data confidentiality and privacy are at the centre of their digital identity and will be able to understand who, why, and when their data is being used for digital identity verification.

Over the past few months we have been working closely with experts throughout the private sector, academia and civil society to fully understand the ways we can balance these key principles, mitigate the effect of associated risks, and ensure that digital identities will truly work for those who wish to use them.

I know from my own engagement with these experts that we need agreed standards, ways of working, and a way to check they are being adhered to.

We will do this by establishing a trust framework of standards, rules, assurance and governance for the use of digital identity, in one place, that different organisations using or consuming digital identity can follow.

Such a framework would also enable people to reuse their digital identity to access a range of products and services.

See:  A new denim collection gives jeans a digital identity

This trust framework will help organisations check identities and share attributes in a trusted and consistent way enabling interoperability, maintaining high levels of privacy, and increasing public confidence.

Because the foundation of this market will be based on trust, how we establish the framework is as important as what it says.

I have held a number of meetings with experts across the digital identity ecosystem — from supportive providers to hopeful private sector organisations to sceptical lobbyists. We are engaging openly with players across the ecosystem to hear your ideas — and your concerns — and incorporate them into our approach.

The development of this trust framework must be a collaborative, informed process to ensure that what we develop represents the very best of British innovation and British values.

We must also ensure that we work to enable an open, competitive market. The standards, regulations, and legislation that we are seeking to implement will not restrict innovation but, instead, will enable the implementation of safe and secure solutions that work for business and society alike.

This unique approach — building on lessons of those who have gone before us and developing an approach that works for the UK — will be critical in making us the world’s leading digital economy.

We are keen to engage with our international partners too, who are developing their own rules and regulations to establish a framework that allows us all to work together.

We are exploring the ways in which we can make direct links to other markets and nations to establish and build international recognition and interoperability.

I am excited to announce that we will be publishing the digital identity Trust Framework as an alpha in the new year.

Continue to the full article --> here

 


NCFA Jan 2018 resize - Matt Warman's speech on digital identity at Identity Week 2020 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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Keynote speech OSC Dialogue Conference

Norton Rose Fulbright | Walied Soliman | Nov 23, 2020

Walied Soliman - Keynote speech OSC Dialogue ConferenceThe following is an abridged version of a keynote speech given by Walied Soliman, Canadian Chair of Norton Rose Fulbright Canada LLP and Chair of the Capital Markets Modernization Taskforce, at the OSC Dialogue Conference on November 4, 2020.

Whenever I speak about the capital markets, I like to reflect on the incredible privilege we have of being practitioners and stakeholders in this area. In just over 100 years, Ontario has developed what is widely regarded as one of the most sophisticated capital markets regulatory frameworks in the world. Ontario was five years ahead of the federal government in the United States in regulating the capital markets in an organized manner.

We were ahead. We cannot fall behind.

It was with this backdrop that Premier Doug Ford and Minister Rod Phillips had the vision to form the Capital Markets Modernization Taskforce, reporting to the Minister of Finance, to conduct a broad review of the state of our capital markets in Ontario and determine what we can do to modernize the regulatory framework and ensure that we continue to be global leaders.

See:  Big Changes In Financial Regulation: Dialogue With The OSC 2020

That vision was focused on ensuring that we are a safe and secure capital market for people saving for their retirement and equally a market that efficiently marries capital with opportunity. This latter objective is critical: it is how we create new head offices in Ontario, how we ensure that our capital markets contribute to wealth creation and, most importantly, how we create new jobs in this province.

Select parts of speech

  • An alarming and recurring theme in the comments we received was the belief that there has been a decline of new issuers, new initial public offerings and new reverse take-overs in Ontario.
  • We heard from numerous stakeholders that in order to incubate the next Canadian issuer success story, we need to increase the number of independent intermediaries whose focus is on marrying capital with junior opportunities. We heard that the number of active independent dealers has fallen – largely, in the view of many stakeholders, due to a business model where independent dealers were losing out to bank-owned dealers with commercial lending capabilities.
  • We heard from retail investor advocates on the importance of ensuring that wealth management distribution channels allow easy access to competitive and independent wealth management products. It is clear that the OSC’s Client Focused Reforms are going to have a significant impact on the contents of the retail shelf.
  • We have also recommended enhanced powers for the Ombudsman for Banking Services and Investments.
  • Every Taskforce member is in favour of a national regulator. Clearly, this must be the goal. Our national reality poses challenges to achieving that goal. Our federation is complex both geographically and culturally, with varying capital markets objectives across the country. The political will needed to accomplish the goal of a national regulator does not currently exist.
  • [Before] whether setting up a dealer or a registrant, there was a clear path in the market for a business plan to succeed. Today, there are structural barriers to the business plans of new entrants. When combined with high entry costs, these structural barriers have a significant impact.

See:  OSC unveils charter for office to promote innovation and reduce regulatory burden

What comes next?

We continue to actively engage with stakeholders and are working diligently with the Ministry of Finance and the OSC on developing our final recommendations. We anticipate delivering to the Minister a final report sometime in December. From there, the Minister of Finance and the government will review our final report and work to advance the recommendations that they choose to accept as government policy.

 

 


NCFA Jan 2018 resize - Keynote speech OSC Dialogue Conference 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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Big Changes In Financial Regulation: Dialogue With The OSC 2020

Lenczner Slaght | Shara N. Roy and Isabel Dávila Pereira | Nov 12, 2020

OSC dialogue event - Big Changes In Financial Regulation: Dialogue With The OSC 2020On November 4, 2020, the Ontario Securities Commission (OSC) held its annual OSC Dialogue. Financial industry leaders, senior regulators and investors came together virtually to discuss changes in the industry and how they are working together.

This year, the current COVID-19 global pandemic informed both the virtual setting for and the theme of the OSC Dialogue. The main theme of the discussion was the link between the world's physical and financial health brought forth by the pandemic. The OSC Dialogue was divided into five sessions, and in spite of the different topics and perspectives, one key issue was at the forefront of the discussion: the role of the OSC in fostering economic growth, adapting to technological innovation, and incorporating principles of Environmental, Social and Corporate Governance (ESG).

The Capital Markets Modernization Taskforce and the Expansion of the OSC's Role

In February of this year, the Ontario government established the Capital Markets Modernization Taskforce, which is in charge of making recommendations to the Minister of Finance for the review and modernization of the province's capital markets regulations. Walied Soliman, Taskforce Chair and Canadian Chair of Norton Rose Fulbright, provided an update on the work of the Taskforce. He noted that the Taskforce's recommendations will focus on three pillars: (1) proper governance, (2) an expanded mandate for the OSC, and (3) harmonized regulation.

See: 

Ontario capital markets task force proposes big changes

Ontario’s Capital Markets Modernization Task force report draws criticism

One of the key discussions across the OSC Dialogue focused on the second of these pillars. In several panels, which included a conversation with former OSC chairs, a discussion about the role of regulation in rebuilding the economy, an update from the Ontario Capital Markets Modernization Taskforce and a discussion on fostering innovation, the participants discussed the proposed expansion of the OSC's mandate to include the fostering of capital formation and the protection of competition. This proposal, as pointed out by Soliman, is part of the Taskforce's recommendations and will be delivered to the provincial government in December in its final report.

The Taskforce's justification for this and other recommendations highlighted by Soliman is that, “Capital markets regulation is not an end to itself”; a phrase he repeated during his presentation, and a sentiment which aligns with the current Ontario government's view on regulation.

“Capital markets regulation is not an end to itself”

Walied Soliman, Taskforce Chair and Canadian Chair of Norton Rose Fulbright

Soliman stated that such regulation must respond to the social and public good it is meant to support and the economic well-being of the province. He pointed out that the inclusion and making of this recommendation was not a difficult decision to reach by the members and that it follows advances already occurring in other places, including changes made in the UK, Singapore and Australia, where regulators have mandates to promote economic growth and competition, allowing them to remove obstacles including fees and tackle anti-competitive behaviour.

However, not every panelist agreed with the Taskforce's easy adoption of this recommendation. On an earlier panel where several former OSC chairs discussed perspectives, Maureen Jensen, the previous OSC Chair until April of this year, had a word of caution for this proposed mandate expansion. Jensen warned that it can be very difficult to be both the regulator and a partner in fostering businesses, as it can affect the OSC's independence in subsequent regulatory and enforcement actions. She added that the OSC's current mandate already allows it to promote a fair and efficient market which allows the regulator to encourage innovation but without standing in the way by partnering in the innovation. Howard Wetston, Senator and former Chair of the OSC, agreed with Jensen's caution but noted that capital formation has always been a key role of the OSC and that what is needed in any case is more transparency in the OSC role.

See:  NCFA Response to the Modernizing Ontario’s Capital Markets Consultation Taskforce

Other recommendations that the Taskforce update revealed include an increase of OSC oversight over self-regulatory organizations (SROs). While Soliman recognized the importance of SROs in filling the gap left by the lack of a national securities regulator, he noted that their recommendation would be for the OSC and Minister of Finance to collaborate to ensure business plans and regulations align with public policy, avoid duplication of regulation, and ensure that all capital markets are rowing in the same direction. This recommendation follows policy discussion around the combination of the Investment Industry Regulatory Organization of Canada and the Mutual Fund Dealers Association

Finally, Soliman made a call to the public to continue to engage with the Taskforce. In spite of the Taskforce's public consultation period ending in September of this year, he pointed out that stakeholders can still reach out to the Committee.

Continue to the full article --> here

 


NCFA Jan 2018 resize - Big Changes In Financial Regulation: Dialogue With The OSC 2020 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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Alberta and Saskatchewan securities regulators seek comment on proposed new exemption designed to facilitate access to capital

ASC | Denise Weeres | Nov 20, 2020

female investor - Alberta and Saskatchewan securities regulators seek comment on proposed new exemption designed to facilitate access to capital

Calgary – The Alberta Securities Commission (ASC) and the Financial and Consumer Affairs Authority of Saskatchewan (FCAA) are seeking input on a proposed new prospectus exemption designed to provide greater access to capital for Alberta and Saskatchewan businesses and broaden investment opportunities for Alberta and Saskatchewan investors.

“As our provinces are dealing with the economic impact of the pandemic, we are looking for new ways to better facilitate access to capital, while still protecting investors,” said Roger Sobotkiewicz, Chair and CEO of the FCAA. “Efforts are being taken to adapt our existing industries and diversify our economies. By innovating as regulators we can help support the growth of the innovation economy,” added Stan Magidson, Chair and CEO of the ASC.”

 

The proposed new self-certified investor prospectus exemption would allow investment by investors who certify to having certain financial and investing experience and education, and acknowledge certain investment considerations and risks. To reduce the risks to investors, investments would be limited in a 12-month period to $10,000 in any one business and $30,000 across multiple businesses.

See: 

ASC Updates Raising Capital for Small Businesses Resource: Fostering Alberta’s New Economy

ASC adopts Start-up Crowdfunding Blanket Order

Sep 22, 2019: NCFA Response to ASC Consultation Paper 11-701: Energizing Alberta’s Capital Market

 

Details of the proposal are set out in CSA Multilateral Notice 45-327 Proposed Prospectus Exemption for Self-Certified Investors available on the websites of the ASC and the FCAA. The comment period for the proposed new prospectus exemption is open until December 23, 2020.

The CSA, the council of the securities regulators of Canada’s provinces and territories, co-ordinates and harmonizes regulation for the Canadian capital markets.

View release:  here

Comments are to be submitted by Dec 23, 2020

View the Self-Certified Investor prospectus exemption --> here

 


NCFA Jan 2018 resize - Alberta and Saskatchewan securities regulators seek comment on proposed new exemption designed to facilitate access to capital 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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Google Pay’s massive relaunch makes it an all-encompassing money app

The Verge | | Nov 18, 2020

GooglePay - Google Pay’s massive relaunch makes it an all-encompassing money app

It (Google Pay) will include tap-to-pay, peer-to-peer, personal finance aggregation, customizable deals, and even full banking services

Today, Google Pay for both Android and iOS is relaunching with a giant array of new features. It turns the app from something that most people think of as a tap-to-pay card repository or peer-to-peer payment system into a much more ambitious service. The new app begins rolling out across the United States today.

The new version of the app will have three new tabs:

“Pay,” which includes peer-to-peer payments as well as your transaction history using tap-to-pay; “Explore,” which will be a place where Google will offer deals and discounts; and finally, “Insights,” which will allow you to connect your bank accounts to get a searchable overview of your finances.

You will even be given the option to allow Google Pay to crawl your Gmail inbox and your Google Photos account to look for receipts. Google will use OCR technology to auto-scan them and integrate them into your finance tracking.

In 2021, Google will partner with some banks to directly offer fully online checking and savings accounts inside Google Pay — a service Google is calling “Plex.”

Not all of these services are strictly new for Google, but this will mark the first time they’re unified into a single app. In doing so, Google Pay is now arguably a direct competitor to a wide array of other apps and services, including Apple Pay, Samsung Pay, PayPal, Venmo, Square Cash, Intuit’s Mint, Simplifi, Truebill, Shop, and also online banks like Ally. That is a lot of companies that will have to contend with Google making a high-profile push into their market.

See:  Google and Gates Foundation to help spread digital payments in developing countries

All of the advanced features are opt in, so if you prefer to simply use it as it currently exists today (as a tap-to-pay app on Android or peer-to-peer payments on the iPhone), you should be able to do that. Even so, this is a huge expansion of capabilities and data collection in a Google app that is likely to raise privacy concerns.

Google tells me that it has a policy to not sell or share data to third parties and that it will not “share your transaction history with the rest of Google for targeting ads.” It will also have a first-use experience that will present a series of privacy prompts and settings options. Unlike Apple Pay, Google’s servers will have access to your data so it can be analyzed and made searchable for you in the app — though the company assures that it’ll be strongly encrypted.

A stranger — and perhaps telling — privacy option is that those who want to get personalized deals will have the option to agree to a three-month “trial” of allowing Google to analyze their transaction history to customize their offers. After the three months, they’ll be prompted if they want to keep using that part of the service.

Let’s dig into what we know about each aspect of the service.

Insights

The rightmost tab in Google Pay is the place where the app will provide a lightweight version of apps like Mint and Simplifi that presents much of your financial information in one place. Google’s take on it is called “Insights,” and as you might expect, it heavily integrates both search and Google’s ability to process data with its algorithms. 

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After you connect your banking and credit accounts, Insights will begin to show you reports of your spending and saving as well as upcoming bills. It does this by scanning through your transactions rather than needing you to manually enter or categorize things. It works with standard checking, savings, debit, and credit cards.

Plex

In 2021, Google will launch a new banking service called Plex. It will let you handle basic checking and savings in the app, engaging directly with an online bank. This isn’t Google directly offering banking services, to be clear. Instead, Google will essentially let some banks use Google Pay as their banking app.

Continue to the full article --> here

 


NCFA Jan 2018 resize - Google Pay’s massive relaunch makes it an all-encompassing money app 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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The U.S. is pushing ahead with its threat to delist Chinese companies

Fortune via Bloomberg | Nov 18, 2020

Potential Delisting of Chinese companies on US exchanges - The U.S. is pushing ahead with its threat to delist Chinese companiesThe U.S. Securities and Exchange Commission is pushing ahead with a plan that threatens to kick Chinese companies off U.S. stock exchanges, setting up a late clash between Washington and Beijing as the Trump administration winds down.

By the end of this year, the SEC intends to propose a regulation that would lead to the delisting of companies for not complying with U.S. auditing rules, according to people familiar with the matter.

Agency officials have been moving quickly on a rule since August, when the President’s Working Group on Financial Markets -- a regulatory council whose members include SEC Chairman Jay Clayton and Treasury Secretary Steven Mnuchin -- urged the regulator to pass new restrictions that could take effect as soon as 2022, said the people who asked not to be named in discussing private deliberations.

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At issue is a problem that has vexed U.S. regulators for more than a decade: China’s refusal to let inspectors from the Public Company Accounting Oversight Board review audits of Alibaba Group Holding Ltd., Baidu Inc. and other firms that trade on American markets. The issue has gained added urgency due to rising tensions between the two countries and following this year’s high-profile accounting scandal at Luckin Coffee Inc.

The SEC move is unusual because most agencies stop issuing major new policies after a presidential election, especially when a new party is taking power. In addition, it’s unlikely the rule will be finalized before President Donald Trump’s term ends on Jan. 20. Clayton, who plans to step down by the end of the year, will also be gone before any regulation is finished. That would leave completing it to an SEC chief picked by President-elect Joe Biden.

By pushing through a vote, Clayton would force the SEC’s Republican and Democratic commissioners -- all of whom have years left on their terms -- to go on record in stating whether they support tougher rules for Chinese companies. Issuing a proposal also requires the SEC to seek

public comment and investor advocates would be expected to flood the agency with letters backing Clayton’s plan.

Plus, unlike many policies in this era of heightened partisanship, cracking down on China appeals to both Republicans and Democrats on Capitol Hill. In May, the U.S. Senate approved a bill without opposition that directs the SEC to start the process of delisting Chinese companies whose audits aren’t inspected by American regulators. All of these factors could put pressure on Clayton’s Democratic successor.

See:  China Stops Jack Ma’s $35 Billion Ant IPO From Going Ahead

The SEC declined to comment on the rulemaking plan. The Nasdaq Golden Dragon China Index fell 0.9% Tuesday, compared with a 0.5% drop for the benchmark S&P 500 index. The gauge, which tracks Chinese companies listed in the U.S., closed at a record high at the end of last week.

Fang Xinghai, the vice chairman of the China Securities Regulatory Commission, sounded a positive note on resolving the issue at panel discussion on Tuesday, saying it’s important to ensure that Chinese companies have access to international capital markets.

“I think during the Biden administration we should be able resolve that problem because it’s not an intractable problem,” Fang said at the New Economy Forum. “All it takes is good will on both sides and a willingness on both sides.”

Continue to the full article --> here

 


NCFA Jan 2018 resize - The U.S. is pushing ahead with its threat to delist Chinese companies 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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[Event Nov 26, 2020]: Innovations in Financial Literacy and Education

Financial Literacy Committee

 

Financial literacy event - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education

You're invited - Event Details

Thursday, November 26, 2020 1:00 PM EST

Register for this event --> here

 

As we mark the 10th anniversary of Financial Literacy Month, the Financial Consumer Agency of Canada (FCAC) is pleased to invite you to a dynamic event organized specifically for financial literacy stakeholders. This 90-minute session will focus on innovative, research-based approaches to financial literacy and feature guest speakers who will share expert insights and perspectives, followed by a panel discussion.

Financial literacy event speakers - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education

Moderator:  Supriya Syal, Deputy Commissioner, Research, Policy and Education, FCAC

Panelists:

Rebecca Balcerzak, Senior Project Officer, Families Canada

Ruth Stephen, Director, Strategic Policy, Research & Experimentation, FCAC

Rim Charkani, CEO, WALO                                      

Dilip Soman, Director, Behavioural Economics in Action Research Centre Rotman School of Management

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NCFA Jan 2018 resize - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education 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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CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!



FFCON20 Pitching and Demo Winners - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education



NCFA COVID 19 letter to government to support Fintechs and SMEs - [Event Nov 26, 2020]:  Innovations in Financial Literacy and Education

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