Key messages
Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Personal Finance
Deloitte: 2023 Banking and Capital Markets Outlook | ‘A new global economic order seems imminent’
Deloitte | Monica O'Reilly, Anna Celner, Deron Weston, Val Srinivas | Oct 17, 2022
Key messages
- The global economy is in a fragile and fractious state. While most banks are on sound footing, Russia’s invasion of Ukraine, ongoing supply chain and energy shocks, persistent inflation, and tightening monetary policy will be felt unevenly across the industry.
- Meanwhile, escalation of geopolitical risks, deglobalization, and fracturing payments systems are pushing the world toward a new economic order.
See: NCFA Open Banking Current State in Canada with Senator Colin Deacon and Mahi Sall
- These forces will likely have implications for global money flows: how, where, and when capital and liquidity are demanded; and the ways every actor in the financial system interacts with one another.
- To navigate through these uncharted waters, banks should reassess traditional product, service, and industry boundaries to create new sources of value. Such opportunities may exist in a number of areas, including embedded finance, tokenized assets, financial technology, digital identity, or green finance. Some banks have begun this journey, but many could fall behind.
- The pandemic tested banking leaders’ conviction, and it is about to be tested again. Nonetheless, banks
should not lose sight of their role as financial intermediaries in the new global economic order.
Retail banking: Envisioning new ways to serve and engage with customers
- Retail banking customers are also expecting more from their banks. In particular, they are clamoring for a superior cross-channel experience and hands-on guidance during challenging times. These heightened demands will require banks to go beyond a product lens and create customer experiences that are data-driven, consistent across channels, and complete with personalized advice.
See: Three ways open banking could impact wealth management
- In the long term, banks should develop inventive new applications for ESG, embedded finance, and digital assets. These efforts should prioritize empowering customers with initiatives targeting racial equity, decarbonization, and data security.
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
 |  |  |
|---|---|---|
 |  |  |
5 Ways to Invest Your Finances
Oct 5, 2022
Image: Pixabay/Geralt
Most people want to grow their finances by investing in a profitable business or trade. There are countless businesses that anyone can do, ranging from offline to online businesses. For example, if you prefer trading via forex brokers, you’d be investing your finances as an online trader. Investing in any business requires patience, skills, and financial management to succeed. The complexities of the different markets and trading conditions greatly influence profitability, so it is necessary to consider your choices carefully. Here, you’ll learn five ways to invest your finances and manage your investments safely and remain profitable.
Trade Forex
Forex trading is a popular way to grow your finances by buying, selling, or exchanging currencies on the global market. Profits are possible due to the differences in the price of currencies. Forex trading is the easiest way to invest today because anyone can trade forex comfortably on any compatible internet-enabled device. The forex market is regulated in each country to ensure safety and fairness to consumers. Forex traders have the advantage of liquidity and access to many currencies to trade. Volatility is the primary factor in the profitability of forex trading and an important consideration when investing your finances in trading. Forex volatility is controlled and ‘healthy’ for traders, no matter their trading appetite. Although the forex market is regulated, traders can analyze charts and follow fundamental news to manage their trades better. To trade forex, first get forex education, register with a licensed broker, and start trading.
Cryptocurrency Trading
Cryptocurrencies are virtual or digital assets introduced in the last decade. They have become popular assets for investors seeking to grow their finances. Crypto trading involves spot trading and buying assets to hold. There are over 1000 cryptocurrencies today, but only a considerably smaller number have enough liquidity for trading. The crypto market is also known for its high volatility and price fluctuations. Although crypto trading has the potential for huge profits, crypto traders are aware of the drawdown of sudden price reversals. Regulation is another big issue in crypto trading. Cryptocurrencies are unregulated in most countries, and traders have little control over certain crucial aspects. The limitation of cryptocurrencies, where only one crypto asset may exist on a blockchain (as the native token), may lead to only one cryptocurrency dominating the market. That’s a critical difference between the forex and crypto markets.
Real Estate
Real estate investments increased in recent years as investors looked to hedge against inflation. The critical advantage of real estate investment is that housing prices always increase, especially during inflation. There are five ways to invest in real estate; commercial real estate, flipping, lease, crowdfunding, and investment trusts. Although it is relatively safer for investment, real estate carries significant drawbacks; investors must carefully choose a property with profit potential to ensure that their assets are safely managed. Another advantage of real estate is that they yield monthly and annual profits that investors can “cash out upfront.”
Image: Pixabay/Evgeny
Mutual Funds And Bonds
Mutual funds describe the pooling of funds by investors to invest in an asset, instrument, or financial market. Money managers usually manage mutual funds for investors who aim to profit from the pooled funds. Pooling funds allow investors with varying capitals to participate in trading in proportion to their investments. A bond fund, sometimes known as a debt fund, is a pooled investment vehicle that primarily invests in bonds to produce monthly income for its clients. There are different types of bonds: government, municipal, corporate, convertible, and other debt securities, including mortgage-backed securities (MBS). Mutual funds and bonds are popular for investors seeking to grow their finances. Bonds, especially government bonds, are usually safer but have lower returns. Mortgage-backed securities carry significant drawbacks but are relatively secure for investments.
Stocks
Stock trading is easily the oldest financial market, for over four centuries. It entails purchasing and selling stocks or shares of publicly-traded companies via the stock market. Individuals can also invest in stock trading via brokers or over-the-counter marketplaces regulated by the appropriate authority, usually a securities and exchange regulator. The stock market has high liquidity and controlled volatility to protect consumers. Investors can also buy stocks of different companies to receive dividends, which are regular payments made to stockholders in proportion to their shares. While many investors prefer the latter option, spot and futures trading are famous for trading stocks. Investors must carefully analyze the stocks they want to trade to maximize their investments and protect their capital.
See: The Role of AR and VR in Modern Real Estate
What Should You Invest In?
Most investors have a preferred financial market and assets. For example, investors looking for low rewards may go for government bonds and mutual funds, but investors with high-profit appetites may invest in the forex market or cryptocurrencies. Your choice depends on your capital, personal preference, and knowledge. Although financial trading works on the same principle, you need specific knowledge of markets to become a successful trader. Go for a market such as a forex market with a controlled volatility, government regulation, and a wide range of currencies to trade. Apply trading principles such as portfolio diversification to maximize your trading performance.
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
| | |
|---|---|---|
| | |
Three ways open banking could impact wealth management
Investment Executive | Greg Meckbach | Sep 16, 2022
Image: 123RF
Open banking — available in Britain but not yet in Canada — is when a financial institution shares client account details (with consent) with a third party, without the client having to share their login name and password. In 2021, a government-appointed advisory committee recommended that open banking be up and running by January 2023.
In the committee’s proposed initial phase, third-party service providers (such as fintechs) should be able to read data from clients’ chequing and savings accounts, investments accounts, RRSPs, TFSAs and non-registered accounts that hold stocks, bonds, mutual funds and GICs, the committee said in its final report. Open banking should be mandatory for federally regulated banks and optional for provincially regulated institutions and “other entities,” the report added.
- Fee comparison: Armed with such data, a third-party fintech could potentially tell a consumer how much they could save on fees, said Stephanie Holmes-Winton, CEO and founder of Halifax-based fintech CacheFlo Inc. Through open banking, a fintech could learn that a client has multiple accounts at different institutions with similar investments in them. The fintech could then compare the fees, Holmes-Winton said.
See:
Canada’s Open Banking Journey: Interview with EY’s Dr. Francesco Pisani and Dr. Alexander Christoph
Canada’s Open Banking Working Committees Flag ‘Governance’ as the Latest Gap
- Risk tolerance/matching: Getting a complete picture of a client’s investments has other benefits. For example, a fintech could determine whether all of a client’s investments put together (as opposed to at just one institution) match their risk tolerance, Holmes-Winton suggested.
- KYC automation: Open banking could also speed up know-your-client (KYC) processes, said Darcy Ammerman, partner and banking regulation lawyer with McMillan LLP. This is because a third party with access to a consumer’s banking data could potentially automate the process of filling out KYC forms.
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
| | |
|---|---|---|
| | |
CFPB to Regulate BNPL Like Credit Card Firms
CNBC | Chelsey Cox | Sep 15, 2022
Image: Pexels/Andrea Piacquadio
- BNPL lenders to be monitored like credit card companies: The U.S. Consumer Financial Protection Bureau plans to subject “buy now, pay later” lenders to the same vigorous oversight as credit card companies, saying the short-term financing industry harvests consumer data in ways that threatens consumer privacy.
- Considered a substitute for traditional credit cards, the buy now, pay later model allows consumers to pay off a loan in a few installments, most commonly four interest-free increments. The service, provided by a host of firms such as Klarna and Afterpay, increased in popularity during the pandemic.
See: Apple Finally Unveils its BNPL Offering. 4 Things to Know Before Signing Up
- Guidance forthcoming: The consumer watchdog, which doesn’t currently regulate the industry, plans to issue guidance to oversee the lenders and subject them to supervisory exams, CFPB officials said.
- Rise in loan approval rates: The CFPB found that adoption of the service is growing across all age groups, according to Chopra.
- Apparel and beauty merchants accounted for over 80% of usage in 2019 but only 58.6% in 2021 as more consumers used buy now, pay later for services such as travel, pet care, groceries and gas.
- More customers are also getting approved for the loans. In 2021, 73% of applicants were approved, compared with 69% in 2020, according to the report.
- Consumer risks: lack of consumer protections compared with traditional credit card companies, data harvesting and monetizing customer data, debt accumulation and “loan stacking” — or taking on numerous loans at the same time.
- Late fees are also becoming more common. The CFPB found that 10.5% of unique users were charged at least one late fee in 2021, compared with 7.8% in 2020.
See:
Why BNPL Swedish giant Klarna has sights set on Canada
Financial Consumer Agency of Canada publishes BNPL pilot study
Mike Taiano, senior director of Fitch Ratings:
“Though not a surprise, the CFPB’s report portends more intense regulatory scrutiny at a time when Buy-Now-Pay-Later faces increasing headwinds in the form of rising funding costs, weaker credit performance, and heightened competition"
Continue to the full article --> here
Download the 83 page CFPB Buy Now Pay Later report --> 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
| | |
|---|---|---|
| | |
Will Crypto Replace the Dollar?
For Bitvo by Tristram Waye | Sep 15, 2022
Crypto is no longer a financial island
- Early days: It was easy to think about crypto as an island back before 2020. Bitcoin did its own thing, and the growing number of projects had a unique early startup stage audience to support them. The trading in BTC, ETH, and other crypto assets reflected the community built around them. It also reflected an evolving narrative around what crypto was and could be.
- One of these narratives was that crypto was a hedge.
- Another is that it is sound money. Or, put another way, it represents a form of incorruptible value exchange. And the idea here was that this new form of sound money would replace the current system.
See: Coincub: Top 5 Countries with the Best Crypto Tax for Residents
- Adoption curve: Like much of technology, it has followed the adoption curve through the various stages of growth. And as the participants changed, the trading changed.
- Crypto has moved from an island to a loose part of a wider global asset mix. This is similar to the way John Murphy describes how the financial system was analyzed by technical analysts in the 80s. It was siloed. And one day he started to look at intermarket relationships between various financial assets. And that changed everything.
Crypto has evolved as the participants have changed
- Leverage and hedging: As the participation broadened, so too did the influence of other market elements. There is the influence of leverage. There is the use of hedging through derivatives like futures and options products developed around BTC and now ETH.
- Tech index-like: As larger, more traditional players entered the market they built a shorthand story around the asset. The asset trades, at this time, more like a tech index as a result. And as we have seen recently, tech is affected in a big way by changes in interest rates and economic conditions. And we know that economic conditions are a reflection of the interplay between the dollar, commodities, the cost of capital, and capital formation.
See: Ottawa to review Crypto, Stablecoins and CBDCs; Budget promises more financial cops
- Impact of rising rates: The Fed is raising rates into a recession. The increase in rates is driving down activity much more quickly than many thought possible. The rate increase is adding upward pressure to the dollar, which is a problem for all the dollar-denominated debt that exists around the world.
- And there is a lot of dollar-denominated debt now being paid back with local currencies falling in value.
- As the dollar rises, it creates a massive global short squeeze.
- Dollar may fail higher: So one thought out there is that we are at the end of the current monetary environment. And the dollar is likely to fail, but it will not fail lower, but instead, it may fail higher by destroying the entire system it supports. So if you are thinking about bitcoin as a replacement for the dollar, you are going to have to think about a much bigger playing field.
- Intermarket analysis can be as simple or complex as you want. But if you think about an economic cycle, that will mean following the dollar, commodities, bonds, and stocks. Even if the cycle is changed or distorted, there will be rich information in looking at the totality of market assets together.
- Euro: And you may want to keep an eye on European markets and the Euro this winter, where policy decisions may drive a flight to safety into the US dollar, taking it even higher. But you already know the trading environment ahead will be rich with catalysts.
- Mini vs global financial systems: We have watched how various crypto businesses have failed recently. A couple of these were like mini-financial ecosystems. Now think about these issues on a global scale, and the potential outcomes start to become unimaginable.
Will bitcoin replace the dollar? (Nobody knows the answer)
- I don’t know. I don’t think anyone does, including the biggest prognosticators of this idea. There are a lot of people romanticizing the end of the dollar because it will make something they own go higher.
See: BIS Limits Banks to Hold 1% of Reserves in Bitcoin –> “Banks Won’t HOLDL”
- But thinking about this bitcoin/dollar narrative while realizing the implications of it should induce some queasiness. Because a change like this is never that simple or clean.
- So if you aren’t getting prepared, now is the time. Keep an eye on those other indicators and get ready for the unexpected.
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
| | |
|---|---|---|
| | |
Important Things To Consider When Getting A Home Warranty
Sep 14, 2022
Image: Pexels/Mikhail Nilov
When it comes to home ownership, there are a lot of things to consider to keep your home in tip-top shape. Being a homeowner can be expensive from regular maintenance and repairs to unanticipated emergencies. One way to help offset the costs of unexpected repairs is to purchase a home warranty.
A home warranty is a service contract that helps cover the costs of repairing or replacing major appliances and systems should they break down due to normal wear and tear. Home warranties are not the same as homeowners insurance, which covers damages caused by events like fires, floods, and theft.
If you're considering purchasing a home warranty, here are some important things to keep in mind.
What's Covered by a Home Warranty?
One of the most important things to consider when getting a home warranty is what exactly is covered. Most home warranties will cover major systems like heating, cooling, and plumbing, as well as appliances like your fridge, oven, dishwasher, washer, and dryer. Some home warranties will also cover things like your pool, septic tank, or well pump.
Be sure to read the fine print of your contract so you know exactly what's covered and what's not. It's also important to note that home warranties typically have a list of exclusions, so certain repairs or replacements may not be covered.
For example, many home warranties exclude pre-existing conditions or damages resulting from a lack of maintenance. So, if your fridge breaks down because you didn't clean the coils, or your AC unit stops working because you forgot to change the filter, your home warranty likely won't cover the cost of repairs or replacement.
Aside from coverage, you also have to consider the waiting period. There are home warranty companies with no waiting period, but most companies make you wait 30-60 days after your home warranty contract goes into effect before coverage begins. So, if something breaks during that waiting period, you'll have to pay out of pocket for the repairs or replacement.
What's the Cost of a Home Warranty?
The cost of a home warranty varies depending on several factors, including the size of your home, the age of your home, and what's included in your home warranty plan. Most home warranty plans start at around $350 per year but can go up to $600 or more.
Some home warranty companies also charge a service fee every time you file a claim, which is typically between $50 and $100. So, the costs can add up if you have to use your home warranty multiple times in a year.
See: 4 Smart Investments to Raise Your Home’s Value
It's also important to note that home warranties typically have a deductible, which is the amount you must pay out of pocket before coverage kicks in. Deductibles can range from $100 to $200, so be sure to factor that into your budget when considering a home warranty.
What's the Difference Between a Home Warranty and Homeowners Insurance?
It's important to understand the difference between a home warranty and homeowners insurance, as they serve two very different purposes. Homeowners insurance protects your home and belongings in the event of damage or loss due to events like fires, floods, and theft. On the other hand, home warranties help cover the costs of repairing or replacing major appliances and systems should they break down due to normal wear and tear.
In short, homeowners insurance covers damages caused by external factors beyond your control, while home warranties cover repairs and replacements needed due to normal wear and tear.
What to Look for in a Home Warranty Company
When choosing a home warranty company, it's important to research to ensure you're getting a good deal. Here are a few things to look for:
• Affordable plans: Make sure your chosen company offers plans that fit your budget.
• High-quality customer service: Read reviews to see what other customers have to say about the company's customer service. You want to ensure you're working with a company that will be responsive and helpful if you need to file a claim.
• Flexible coverage: Choose a company that offers flexible coverage so you can tailor your plan to your specific needs.
• Clear contract: Be sure to read the fine print of your contract so you understand what's covered and what's not.
Image: Pexels/Rodnae Productions
A home warranty can be a helpful way to protect your finances in the event that something goes wrong with your home's major appliances or systems. But it's important to research to ensure you're getting a good deal from a reputable company. Be sure to read the fine print of your contract so you know exactly what's covered, and look for a company that offers affordable plans and high-quality customer service.
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
| | |
|---|---|---|
| | |
Saddled with Rising Rates and Debt, Canadian Borrowers Seek Mortgage Alternatives
Reuters via yahoo finance | | Sep 7, 2022
TORONTO (Reuters) - In a country where the Big Six banks control 80% mortgage market share, Canada's smaller lenders are making some rare headway after the Bank of Canada's sudden and sharp interest rate increases this year raised the bar to qualify for home loans. The Bank of Canada has so far this year increased rates by 300 basis points, including Wednesday's 75 basis-point hike. That has lifted the minimum qualifying rate for the biggest banks' mortgages, set by regulator OSFI, reducing the amounts borrowers can access and leading some of them to seek alternatives.
- Credit unions' mortgage balances increased 4.1% between March 31 and June 30 [compares with 2.6% growth at the Big Six banks]. That's good news for credit unions, which hold 14% of outstanding Canadian mortgages.
- Most credit unions can take into account factors that the big banks may not consider, including variable income for self-employed borrowers and those who have stable income now but may have a limited or checkered credit history, said Michael Hatch, vice president, government relations, at the credit union association.
Watch Keith Taylor, Executive Director, DUCA: Fintech Fridays EP45: Mission-driven and Consumer-centric Financial Services
Pippa Nutt, chief marketing and member solutions officer at DUCA Financial:
We're seeing a lot more rate shoppers, so we're seeing a lot more inquiries, which has seen a 300% increase in loan growth in June from the previous year, and 27% from the prior month.
Mark Ostland, director, mobile experience, at Meridian Credit Union:
We're certainly seeing more people come over saying, 'I'm good, I'm OK, but I failed the stress test'. Their financial profile may (still) be strong.
Continue to the full article --> here
The Canadian Press via Global News | Sep 7, 2022
Image: Unsplash/Alice Pasquale
Rising interest rates, high household debt to spur ‘payment shock’ for Canadians
Canadians are increasingly vulnerable to “payment shock” as higher household debt levels collide with oversized interest rate hikes.
- Another major rate hike: The Bank of Canada raised its key lending rate by three-quarters of a percentage point Wednesday, making it more expensive to borrow money in a time of climbing debt.
- Climbing consumer debt: Equifax said total consumer debt climbed 8.2 per cent in the second quarter of 2022 compared with the same quarter last year. TransUnion’s latest credit industry report said total debt grew to an all-time high at $2.24 trillion, up 9.2 per cent from the same time in 2021 and up 16.4 per cent from pre-pandemic levels at the end of 2019.
See: Fintech Lenders Polarized: Some Plan for a Difficult Year as Others See Opportunity
- Relying on cards, loans, and feeling the pressure: It’s a situation experts say could push some to a breaking point as they rely on higher interest rate loans and credit cards to pay for the soaring cost of everyday essentials.
- Wes Cowan, a licensed insolvency trustee and senior vice-president at MNP Ltd., says people are increasingly using credit cards and loans to make ends meet. He says given growing debt levels and escalating interest rates, he expects to see more people struggle to make minimum debt servicing payments in the coming months.
“Anything that has a variable rate attached to it, like the lines of credit, we’re going to see a huge payment shock,” he says. “Everything is more expensive — buying groceries, heating your home, the basics — and now servicing your debt will cost more too.”
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
| | |
|---|---|---|
| | |
