Michelle Beyo, Advisor, Payments and Financial Inclusivity
July 17th, 2020
Michelle Beyo is Founder & CEO of Finavator INC, Money2020 RiseUp Alumni, Women in Payments Glob[...]
Category Archives: Marketplace Lending/P2P, Online Lending
Check out the latest books by a few of our featured FFCON speakers!
NCFA | Team FFCON20 | July 6, 2020
We have great thought leaders and authors that will be speaking at FFCON20 (also some prizes!) Check these out and stay at the forefront of digital change in financial services:
Banking in today’s day and age has evolved rapidly, especially in the recent decade. With the rise in digital and open banking, new opportunities are sprouting up and disrupting the traditional ways of banking. Prominent banks such as JPMorgan Chase (USA) and ING (Europe) are fully aware of this and have adopted radical new approaches to best adapt and survive the changing environment. Voted one of the most influential people in banking by The Financial Brand, Chris Skinner provides detailed interviews with 5 banks in Doing Digital and shares his commentary on the secrets to thrive in the new era of finance and technology. Get DOING DIGITAL book now
See Chris Skinner speak at FFCON20 Week 3: July 23 Sustainable Finance: Purpose Driven Finance
The financial services industry has been evolving at unprecedented speeds with increasing competition from both within and outside the industry, notably from entrepreneurial FinTech start-ups and non-financial technology-based companies. Some of these entrants are looking to replace the incumbents with the technological disruption while others look to partner with them. In The Technological Revolution in Financial Services, Michael King and Richard Nesbitt ultimately believe that the increased competition from the technological revolution will benefit customers and lead to a more open and inclusive financial system. Get Technological Revolution in Financial Services book now
See Michael King speak at FFCON20 Week 1: July 9 Scaling Fintech Funding, Innovation and Competition: Intangibles Economy and Scaling Fintech in Canada
According to data, the US economy loses $3 trillion dollars in productivity due to excess bureaucracy, and $4.6 trillion of merchandise is left in abandoned e-commerce shopping carts. Why is the cause of these appalling statistics? Roger Dooley believes it is attributed to the growing presence of ‘friction’, which he defines as the unnecessary expenditure of time, effort, or money in performing a task. In FRICTION - The Untapped Force That Can Be Your Most Powerful Advantage, Dooley combines scientific research with real life examples to illustrate how to spot out areas of friction in an organization and explains the strategies to help eliminate them, creating a more swift and efficient experience for both the business and the customer. Get FRICTION book now
See Roger Dooley speak at FFCON20 Week 2: July 16 Open Banking and Future of Paytech: Reducing Friction in Banking and Financial Transactions
Blockchain is a growing field that is transforming the financial and technological industries in profound ways. In Financial Services Revolution: How Blockchain is Transforming Money, Markets, and Banking, Co-founder of The Blockchain Research Institute Alex Tapscott shares insights from some of the world’s top thinkers in blockchain in how to survey the coming digital storm. Discussions in the book revolve around global payment networks, tokenization, and innovative financing methods. Get FINANCIAL SERVICES REVOLUTION book now
See Alex Tapscott speak at FFCON20 Week 2: July 16 Open Banking and Future of Paytech: Financial Services Revolution
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. GET TICKETS NOW |
MoneyMates: Slaying predatory lending
NCFA | Samuel He, Market Research Analyst Intern | July 3, 2020
Source: P2PMarketData
Today, millions live paycheck to paycheck, struggling to get by financially. This lack of resources and a poor credit score makes getting a loan difficult. And the options that are available, make the problem worse with high rates and aggressive rules.
Traditional payday loans use aggressive deadlines and lump sum payments that often results in the customer spiraling into a debt trap.
The challenge for the customer is accessibility to resources and the opportunity to improve their credit capacity for future, cheaper loans.
Founded by Samir Issa, MoneyMates is an alternative lender that prioritizes the welfare of its customers by offering expert guidance not just on getting the loan, but how to improve their credit situation.
See: Shopify expands capital lending program to help Canadian merchants weather COVID-19
They do this by offering customers an extended repayment period of up to two months rather than the typical two weeks. In the event of a missed payment, MoneyMates will work with the customer on a solution to avoid additional fees and penalties.
MoneyMates has also added a unique savings feature to help borrowers accrue savings. Customers are given the option to choose a savings amount when borrowing, which is set aside and deposited into the account along with any bonuses once the loan has been paid off. The approach helps borrowers understand both what they are borrowing and what savings can be accrued to help them avoid future emergency loans.
The objective is to provide vulnerable borrowers with better financial health, expanding access to financial services and a sense of empowerment.
Interested in seeing MoneyMates pitch at FFCON20 DIGITAL's Fintech Draft Competition?
Inspired by sports league drafts, the inaugural FFCON20 annual Fintech Draft is designed to identify and feature emerging and high growth fintech startups and scaleups. Qualifying Fintech Draft participants will be profiled online and reviewed by expert fintech scouts, and will compete in one of two (2) Fintech Draft competitions. Draft finalists compete at FFCON20 DIGITAL: RISE between Jul 9 – Aug 27, 2020 for exposure and prizes including promotion to investors, media, and partners and a 1 year industry partnership with NCFA.
Be sure to give them a vote and show your support! Check out their profile and competition here: https://fintechandfunding.com/shortlisted-draft-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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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. GET TICKETS NOW |
FundThrough Commits $10 Million to Help SMBs Overcome Shutdown
FundThrough Blog | Jun 26, 2020
TORONTO – FundThrough, North America’s leading invoice funding solution for small businesses, has announced it will provide $10 million in free funding for clients as the economy reopens from COVID-19. The company announced it as part of a broader initiative to help small businesses, who invoice their customers and wait to for invoice payments, get back on their feet in the wake of the COVID-19 economic shutdown and has expedited this capital commitment for SMBs looking for a practical source of funding.
The Toronto-based Fintech company will provide working capital to small businesses in exchange for outstanding customer invoices, based on the creditworthiness of the payor. Clients that sell goods and services to larger customers and need working capital quickly are encouraged to apply.
“We are proud to announce this initiative to help kick start the North American economy and ensure that companies get paid immediately for the work they have completed and the products they have delivered,” said FundThrough Co-Founder and CEO Steven Uster. “Large companies often stretch out their payment terms for their suppliers. We are levelling the playing field so that suppliers no longer have to act as a bank for their customers.”
FundThrough will provide the funding through its next-generation invoice factoring platform, Velocity. Once onboard, clients can upload their outstanding customer invoices, update their account and payor information, and quickly receive their funding request. The quick influx of cash could provide companies with the working capital they need during a period of uncertainty. Factoring also provides a unique alternative to traditional funding methods.
See:
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The Intersection of Small Business, Tech and Our Financial Ecosystem is More Important Than Ever
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NCFA Open Letter: Government should collaborate with Fintechs
“One of the biggest challenges for small businesses will be to get paid for the first projects that they complete as the economy reopens,” said Deepak Ramachandran, FundThrough co-founder and Chief Technology Officer. “We’ve already seen large companies extend their payment terms from 30 or 60 days to 90-120 days. So, if a supplier completes an order and has to wait four months to get paid, it may feel a lot like they are shut down once again. FundThrough can get them their money within 48 hours of invoicing, so they can keep working on the next order.”
Small businesses seeking funding for their outstanding invoices can visit FundThrough.com for more information.
About FundThrough
FundThrough is a leading player in the fintech small business working capital space. Its tech-enabled invoice funding platform has re-imagined invoicing so that businesses who sell to larger customers can get paid instantly. FundThrough enables business owners to eliminate “the wait” associated with payment terms. For more information, go to www.fundthrough.com.
View: original release
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. GET TICKETS NOW |
Advisory experts back P2P lending sector to become mainstream investment class
Advisory experts have backed the peer-to-peer lending sector to become a mainstream investment class after Covid-19.
Mark Turner, managing director, regulatory consulting at Duff & Phelps, said the pandemic presents an opportunity for the sector to prove itself.
“I think there is the opportunity for P2P lending to be seen as a mature, mainstream asset class and especially if it can prove itself through this crisis as a sector that can manage risks effectively and generate good returns for investors, then I think the sector could really come of age,” he said.
Similarly, Frank Wessely, partner at Quantuma, said that the P2P lending sector will be able to demonstrate it is a much more robust and secure asset class once it emerges from this pandemic, as long as there no further platform failures.
See: European fintech lending industry to hit USD 9.6 billion in 2020
“I think Covid-19 will be doing the industry a favour in terms of allowing it to show it can survive a pandemic of this nature and still provide market beating returns to investors,” he said.
I think because it’s so extreme and unique, the opportunity is there for the sector to show it’s here to stay.
“Market cycles are generally caused by market factors, but Covid-19 is more extreme. It just happens to be a pandemic on this occasion and shows how vulnerable markets are to non-financial threats.
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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. GET TICKETS NOW |
Here are the UK’s 5 leading open banking providers
AltFi | Aisling Finn | Jun 10, 2020
Open banking has long been pedalled as the future of fintech, but which companies are the leading providers of the service in the UK?
Open banking has become one of the most popular adaptations for both fintechs and big finance alike.
Open banking was first introduced as a concept when the EU decided the banking industry needed greater competition and wanted to expand the opportunities offered to fintechs.
Since the introduction of the EU's Second Payment Services Directive (PSD2) in January 2018, open banking has revolutionised the way millions of people manage their finances and use their data.
Following the introduction of PSD2, the Competition and Markets Authority (CMA) ordered the biggest banks in the UK to share their APIs with other banks and third-party providers which helped the fintechs on this list to thrive.
The ability to access all your accounts and integrate non-banking financial services too has proved increasingly popular over the last few years, with the likes of fintech giants Monzo, Revolut and Starling all offering some form of the technology.
Open banking’s main goal is to increase the transparency of the banking industry, so without further ado, and full transparency, here are the UK’s leading open banking providers.
See: Plaid celebrates 12 months in Europe with an eye towards Open Finance
Bud
Who started it?
Bud was founded in 2015 by Ed Maslaveckas and George Dunning, initially beginning its life as a financial wellbeing platform.
The platform recently appointed hedgefund heavyweight, Lord Stanley Fink, the former CEO of the hedge fund firm the Man Group, as the Chair of its board of directors.
How is it funded?
Bud counts Goldman Sachs, 9 Yards Capital, HSBC and Investec as investors and also won a slice of the UK government’s £2m rental recognition prize back in 2018.
In February 2019, the fintech bagged $20m from HSBC and Goldman Sachs to help it double in size and expand into new markets.
Who are the customers?
One of Bud’s primary customers is HSBC, who also happens to have invested a significant amount in the fintech.
In December 2019, Bud extended its partnership with HSBC and signed a three-year global deal with the bank to give access to Bud’s open banking, API and data.
Last October, Bud shifted away from larger firms to focus more on transactional data for smaller firms and introduced a developer portal for SMEs to access Bud’s sandbox environment.
See: Open banking review faces ‘worrying’ delay as pandemic drives Canadians to fintech
Plaid
Who started it?
Plaid was founded in 2012 by Zach Perret, who recently spoke at the AltFi Digital Summit 2020, and William Hockey, who has since left his role as chief technology officer and now sits on Plaid’s board of directors.
The San Francisco-based startup recently celebrated its first anniversary of being in Europe following its surprise launch of financial management app Emma.
How is it funded?
In January 2020, it was revealed that Visa would shell out $5.3bn for the Silicon Valley startup, although the deal is yet to be completed.
Prior to the sale, Plaid had previously received several strategic investments from Visa and Mastercard.
Who are the customers?
Plaid connects to over 15,000 financial institutions across the US, Canada and Europe and 80 per cent of the biggest fintechs rely upon Plaid’s API infrastructure to operate.
The open banking powerhouse has helped the likes of financial management app Emma, Venmo, trading platform Robinhood, Monzo and TransferWise.
See: Is this the new face of Generation Z banking?
Tink
Who started it?
Tink was founded in Stockholm, Sweden in 2012 by Daniel Kjellén and Fredrik Hedberg and is now offered in 17 markets across Europe and Latin America.
How is it funded?
In January 2020, it was revealed that Tink had just closed its largest funding round to date, totalling €90m.
The Swedish fintech has raised over €200m to date and has secured several strategic investments from PayPal, including most recently when PayPal injected an undisclosed amount to help the fintech conquer Europe.
Who are the customers?
Tink recently revealed a strategic investment from payment giant PayPal that would see it’s technology available to some customers across all countries in the European Economic Area (EEA)
Tink integrates with more than 2,500 financial institutions, reaches over 250m customers and processes more than 10bn transactions a year.
See: Explore Canadian Fintechs in Canada on FintechCanada.io
Yapily
Who started it?
Yapily was founded by former Goldman Sachs investment banker, Stefano Vaccino in 2017.
Vaccino was fascinated by the social impact of open banking and the ability it holds to bring financial wellbeing and knowledge to the masses.
How is it funded?
To date, Yapily has raised $18.4m, including a $13m Series A round primarily led by investment firm Lakestar, which has invested in the likes of Spotify, Skype and Revolut.
The firm also completed a $5.4m seed round in May 2019 which was led by HV Holtzbrinck Ventures, which has invested in fellow fintechs SumUp and Penta, and LocalGlobe, an investor in the likes of Tide, Cleo, Robinhood and Transferwise.
Who are the customers?
Yapily counts Intuit QuickBooks and GoCardless as customers, as well as several other fintechs and firms and has recently been selected as an open banking provider for IBM.
The fintech currently has 80 per cent account coverage across Europe and 99 per cent coverage here in the UK, with the hopes to expand even further across Europe in the coming months.
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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. GET TICKETS NOW |
Innovate Finance in talks for P2P lenders to receive cheap BoE funding
Peer2Peer Finance UK | | Jun 3, 2020
Innovate Finance is representing peer-to-peer platforms in talks about non-bank lenders receiving access to cheap funding from the Bank of England, Peer2Peer Finance News can reveal.
The industry body has argued that without access to the Bank of England’s Term Funding Scheme – which is currently only available to banks – many non-bank lenders have been prevented from delivering the government’s emergency loan schemes.
“We’ve made the case to the government that it’s difficult for P2P lenders to provide emergency loan schemes because they don’t have the same access to cheap funding,” said Iana Vidal, head of policy and government affairs at Innovate Finance.
“I think P2P has a huge role to play in delivering the emergency loan schemes and we’ve been trying to get that across to the government.
See: European fintech lending industry to hit USD 9.6 billion in 2020
“Part of the purpose of the schemes is to get finance out quickly to SMEs and that’s where fintech and P2P comes into play.
“We think (fintechs) are integral to the conversation and have been saying for a number of weeks that there are some really innovative companies and we should be utilising their technology to support the wider measures out there providing finance to businesses and consumers during this time.
“And we’re fully aware that these interventions from schemes cause customers that usually would have been spread out across many lenders to just use a few institutions. We’re aware of that impact from a P2P viewpoint and generally and are monitoring it.”
P2P lending platforms have welcomed news of the talks.
“It would be brilliant,” said David Bradley-Ward, chief executive of Ablrate.
“Getting access to the cheap funding like banks and levelling the playing field with them would be great. I’ve always been an advocate of alternative finance lenders being on the same level as banks. If anything, banks’ technology is terrible.
See: Shopify expands capital lending program to help Canadian merchants weather COVID-19
“I’d be up for something like this, but the ultimate issue is suddenly giving P2P lending platforms quick access to finance wholesale would remove the need for retail investors and it wouldn’t be P2P anymore.”
Daniel Rajkumar, managing director of Rebuildingsociety, said that having access to this type of funding would help to fight unfair competition in the marketplace, which at present, is his platform’s largest threat.
“It’s difficult to compete without being able to get access to the credit in the same way banks can get access to capital,” he said.
“It’s really important to get access to Bank of England funding options to remediate unfair competition.”
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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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. GET TICKETS NOW |
An alternative to high interest debt: KOHO pilots new feature that allows Canadians early access to their CERB benefits
Koho Release | Brittany Bell | May 27, 2020
TORONTO, May 27, 2020 (GLOBE NEWSWIRE) -- KOHO, Canada’s leading challenger bank, today announced it is piloting a new Early Payroll feature that will help those under financial strain pay their bills and make ends meet. KOHO’s Early Payroll pilot will grant users free access to $100 of their CERB payment before the scheduled payday. KOHO will not charge fees or interest. The company hopes this will provide a cushion that many Canadians could use right now to help pay bills and necessary expenses, and avoid harmful loan alternatives.
“The economic impact of COVID was not equally distributed,” said Daniel Eberhard, Founder and CEO of KOHO. “A lot of lower and middle income Canadians are vulnerable right now. The KOHO team did an amazing job putting this together so quickly. We hope it helps.”
In 2016 the Financial Consumer Agency of Canada released a report on payday loans that revealed the average cost of a $300 loan (for two weeks) is $63. That means 21% of the money you borrow is automatically eaten up by fees.
See: Shopify Balance Brings Banking and Cash Flow to Merchants
In March, KOHO partnered with the Canada Revenue Agency to allow Canadians to receive their Canada Emergency Response Benefits (CERB) seamlessly through the KOHO app. With a continued focus to support their community, KOHO is now piloting a new Early Payroll feature. The pilot is intended to help alleviate cash flow pressures caused by COVID-19 by offering free early access to users’ CERB funds.
Now live in the latest version of the KOHO app, KOHO users who have their CERB benefits being directly deposited into their KOHO account will be eligible to receive $100 three days prior to their next scheduled government benefit. The $100 will automatically be debited from the user’s account when they receive their next CERB direct deposit, making the process simple, adaptable, and with no strings attached.
View the original release --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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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. GET TICKETS NOW |
