Governments worldwide reacted to the COVID-19 crisis with an outpouring of financial aid to businesses and individuals that was exceptional for both its size and the speed with which the disbursements were made. 
Access to up to 2,000 US Colleges and Universities with reach of up to 1.5 Million Students 
Lenders run by algorithms and blockchain technology will require 21st century regulation
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
COVID-19: Making the case for robust digital financial infrastructure
McKinsey & Co | Olivia White, Anu Madgavkar, Tawanda Sibanda, Zac Townsend, and María Jesús Ramírez | Jan 26, 2021
Governments worldwide reacted to the COVID-19 crisis with an outpouring of financial aid to businesses and individuals that was exceptional for both its size and the speed with which the disbursements were made.
According to the IMF, fiscal measures announced globally amounted to $11.7 trillion, or close to 12 percent of global GDP, as of September 2020. As a result, the pandemic has served as a high-stakes, real-life stress test for the financial infrastructure in many countries, bringing into sharp relief critical gaps and opportunities as well as providing valuable lessons about how to improve efficiency and resilience for the future.
What determines how effectively the money is disbursed, for achieving the design ambitions of the program and delivering the funds rapidly to the intended recipients? This question has been drawing the attention of economic researchers, policy makers, fintech innovators and civil society watchdogs alike. Building on our pre-pandemic research on the economic impact of digital identification and digital financial inclusion, we studied a sample of 12 government economic disbursement programs for both individuals and small and medium-size enterprises (SMEs) in seven countries—Brazil, India, Nigeria, Singapore, Togo, the United Kingdom, and the United States.
See: How will Canada reinvent its payments framework for a post-pandemic digital reality?
Several findings stand out. First, we find that effective programs have three critical structural features of financial infrastructure: digital payment channels, the presence of a basic digital identification system with broad population coverage, and simple data on individuals and businesses that are tethered to the ID.
When these features were present in country-level financial infrastructure, these programs could be optimally designed and delivered quickly. When one or more of these infrastructure features was not present, countries had to make trade-offs between the design ambition (the scope, scale, and specificity of beneficiaries targeted) of their programs and their delivery success (the speed, coverage, and fraud levels in rolling them out).
Second, we estimate that the potential economic gain from building robust digital financial infrastructure is about 20 percent greater now than it was before the pandemic. Before the COVID-19 crisis, we estimated the potential economic gain by 2030 from applying basic and advanced digital ID to a wide range of interactions between individuals and government and nongovernmental institutions to be in the range of 3 to 13 percent of GDP. Finally, the crisis has underscored the resilience and flexibility that a robust financial infrastructure for SMEs and individuals provides, and thus its importance as a critical tool for responding to unexpected and potentially catastrophic events.
Digital financial infrastructure can improve country-level resilience in crises and on an ongoing basis
Beyond the potential economic impact, investing in digital financial infrastructure can help governments protect their populations in other important ways with long-term benefits. Effective government support in times of need helps prevent extreme poverty, hunger, and inequality, among others.
See: NCFA and KABN Systems North America enter multi-year exclusive partnership to promote Digital Identity in Canada
This cannot all be measured in GDP growth. Financial infrastructure is relevant for the effectiveness of broader national government programs in more normal times, as well as interactions between individuals and non-government institutions (Exhibit 4).
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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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Canadian banks are following in BlackBerry’s footsteps, and that’s not very good news
Hardbacon | Julien Brault | Jan 15, 2021
In my time as a business reporter, I was at the forefront during the decline of the country's 2000s tech giant, BlackBerry.
BlackBerry launched its mobile app store in 2009, a year after Apple launched the App Store.
Everyone knows the rest of the story.
See: NCFA OpEd: Canada’s Open Banking Consultations: Let’s Get it Done!
While BlackBerry executives praised themselves for having better sound quality and a more efficient keyboard, what people wanted when they bought a smartphone were apps.
Today, the Canadian banks are making the same mistake by refusing to put control of financial data back into the hands of their users, as the European banks are already doing.
In fact, since September 14, 2019, European open banking regulations (PSD2) force banks to allow their customers to share their data with third parties according to a standardized protocol. In other words, their customers can choose to share their bank information with an online loan app or even with a budgeting app.
In Canada, the federal government created the Advisory Committee on Open Banking in 2018, which delivered its first report in 2020, which was very favorable to open banking. The report listed the many benefits of such an approach, including increased data security and accelerated innovation in the financial services industry.
The committee then conducted public consultations, the results of which have not yet been released at the time of this writing. Meanwhile, Canadian banks are patiently waiting for a possible regulatory framework before taking action.
This slowness is all the more deplorable as the Canadian banks won’t be the only victims of this delay.
The collateral victims are Canadian financial technology companies like Hardbacon, which must operate in more difficult conditions than their American and European counterparts.
Consumers are also victims, since they can’t benefit from all the innovations they are entitled to expect, have less choice, and have to choose financial products in a scarcely transparent market.
See: Refusal to embrace open banking puts Canada behind yet another curve
Open banking shouldn't be a political issue. The game of competition should ultimately force the hands of reluctant financial institutions to allow their customers to use their financial data as they see fit. This is happening in the United States, where, despite the fact that there is no regulation forcing financial institutions to allow their customers to share their data with third parties, a growing number of players are doing so. This is notably the case with BBVA, ETrade, and TD Ameritrade.
As there is little competition in Canada, this change could unfortunately take a long time to materialize.
However, in recent months, Canadian banks have proven that they can be nimble by allowing electronic document signatures and enabling their customers to open accounts online.
Rather than wait to lose their market share to neo-banks like Revolut, which is already in Canada, Canadian banks have every interest in being proactive and embracing open banking.
The first step would of course be to create and implement a technological protocol allowing their customers to share their data with fintechs like Hardbacon or competing institutions.
But they shouldn't stop there. Canadian banks should also launch their own app stores, which would enable them to offer all kinds of services through their banking portals.
Of course, I would be eager to see Hardbacon become one of the first applications offered through a Canadian banking portal.
Despite the lack of standardized protocols, Hardbacon already manages to offer an application that helps you budget by using your banking information, track your portfolio with its brokerage data, as well as compare credit cards, online brokers, and other financial products. Imagine what Hardbacon could do if it could integrate directly with the financial institutions...
In conclusion, open banking should not be limited to banks. In Europe, PSD2 does not apply to investment account data or data related to insurance policies. However, this data is more complex than bank data, which makes their digital transmission even more significant.
Author: Julien Brault is the CEO and co-founder of Hardbacon, the Canadian fintech behind the eponymous app that helps Canadians plan, budget and invest. Before Hardbacon, he worked as a business reporter for Les Affaires and as a growth marketer for other fintech startups.
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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How Banks, Fintechs, and Customers Win Together
Fintech Confidential | Michael King and Richard Nesbitt | Jan 21, 2021
In our recently published book The Technological Revolution in Financial Services: How Banks, Fintechs, and Customers Win Together, a group of expert contributors from North America and Europe share their insights on how the financial services industry will evolve in the coming decade. The context is the ongoing transformation in the financial services industry, which is being driven by three structural forces: heightened regulation that followed the 2008-2009 Global Financial Crisis (GFC), innovation fueled by new technologies and entrepreneurial fintech startups, and demographic trends with the rise of millennials and the retirement of baby boomers.
These forces are changing the competitive landscape of financial services, lowering barriers to entry and increasing competition from both inside and outside the industry. Our book outlines what we see as the successful strategies for financial technology (fintech) companies and incumbents, namely banks, insurance companies, and asset managers.
While there is much to learn from our contributors, this article shares our main conclusion and a few key takeaways.
We argue that the winning strategy for the coming decade will be for banks, insurance companies and asset managers to partner with fintech startups to deliver a superior experience to end-customers.
The media has portrayed fintechs and financial incumbents as rivals. But the real threat over the coming is coming from outside the financial services industry – from large technology companies such as the Chinese techfins (Alibaba and Tencent) and North American bigtech companies (Amazon, Apple, Facebook, Google, and Shopify). These global players have platform ecosystems with large and loyal customer bases, massive datasets on customer behavior, and well-known brands. Techfins and bigtech are bundling financial services with non-financial products to provide end-customers with the delightful, easy, convenient and lower cost experiences they desire.
See: Why Partnerships Are the Future for Fintech
Faced with these new entrants, we argue that incumbents need to partner with fintechs, combining their respective strengths to provide a better customer experience.
- Banks, insurance companies and asset managers are product-centric. These incumbents have millions of customers, expertise in risk management and compliance, funding and scale. But they view the world in terms of deposits, loans, payments, and investments. They see technology as a tool to reduce costs and increase profitability while meeting increased regulatory requirements. They are more focused on their shareholders than on understanding their end-customers.
- Fintech companies are customer-centric. Fintechs are better at understanding the customer’s needs and their financial journey. Fintechs leverage technology to solve customer pain points and offer a better value proposition. They have access to talent and are employing design thinking to develop innovative solutions that provide a delightful user experience.
So, the technological revolution highlighted in the title does not refer simply to the emergence of new technologies or the disruption from new entrants. It refers to a paradigm shift in financial services that refocuses on the end-customer, their experience and their lifetime journey.
Briefly, here are three more takeaways:
Technology is not a strategy, it is a tool for the execution of strategy.
Strategy is the answer to three questions: where is the organization today, where does it want to go in the future, and how will it get there. Technology can provide better tools for pursuing this strategy, but technological innovation is not the end goal of strategy itself. Technology does provide a sustainable competitive advantage; it is widely available and can be copied by competitors who are fast-followers. The biggest barrier to entry in banking is not technology or even regulation, but access to customers.
See: Does FinTech Substitute for Banks? Evidence from the Paycheck Protection Program
Trust in banking is paramount, supported by data security and privacy.
The loss of trust in incumbents following the GFC opened the door to new entrants including fintechs. But trust in financial services is intertwined with cybersecurity and data privacy. Cybersecurity has clearly become the biggest operational risk. The approach must be a shift in mindset from “if we are hacked” to “when we are hacked”. Finding it fast, disclosing it and dealing with it immediately, and minimizing the impact on customers will be critical. Data privacy is a second critical issue. Consumers and privacy advocates are acutely aware of the mixed incentives created by the advertising- based business models of Facebook and Google. This is one area where technology (such as blockchain) and new services (such as digital identity) can promote trust, by protecting customer data, privacy, and identity.
Open banking sits at the nexus of these concerns. We argue that the adoption of open banking -- in Canada and globally – will increase data security by putting in place a secure system for the transmission of data using application programming interfaces (APIs).
Regulation and risk management remain pillars of financial services.
See: The future of European payments: Strategic choices for banks
Regulation is not going away, nor should we want it to. Leading financial players – whether fintechs or incumbents – support higher regulatory requirements to weed out bad actors. We argue that maintaining a level playing field and avoiding regulatory arbitrage are important. Effective risk management will continue to be a driver of success in financial services. Incumbents possess this expertise. Fintechs and other new entrants will inevitably need to invest in risk management and compliance to be successful.
Authored by:
- Michael R. King, Lansdowne Chair in Finance, Gustavson School of Business, University of Victoria
- Richard W. Nesbitt , CEO, Global Risk Institute in Financial Services
This article appears as a featured article in NCFA's digital magazine, Fintech Confidential (Issue 3 Dec 2020). Click to read the latest thought leadership, insights and trends about Fintech in Canada:
Checkout NCFA's digital magazine, Fintech Confidential (Issue 3, Dec 2020) --> 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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Liquid Avatar Partners with The Campus Agency to Reach 2,000 US University and Colleges
KABN | Cara Buckspan | Jan 19, 2021
Access to up to 2,000 US Colleges and Universities with reach of up to 1.5 Million Students
TORONTO, ON / ACCESSWIRE / January 19, 2021 / KABN Systems NA Holdings Corp. (CSE:KABN)(OTC PINK:TRWRF)(FRA:4T51) (the "Company", "KABN North America" or "KABN NA"), a North American Fintech solutions company specializing in empowering individuals to manage, control and generate value from their biometrically-verified Self Sovereign Identity ("SSI") through its Liquid Avatar platform, announces today that it has entered into an agreement to partner with US based, The Campus Agency to create innovative engagement programs for Liquid Avatar to reach the US college and university student, alumni and family market.
KABN NA and The Campus Agency will be working together to engage micro-influencers, develop and launch innovative engagement and Augmented Reality programs to introduce the college and university market to the Liquid Avatar and KABN value programs. The partnership goals are to increase brand awareness, maximize engagement, educate users on the value proposition of Self Sovereign Identity, and generate user benefits and revenue for the partnership program.
See:
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Law reform to move identity verification online
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Digital IDs Help Open Banking Reach Its Fullest Potential
With reach to over 2,000 US College and University campuses and over 1.5 Million Gen Z students, alumni and families, The Campus Agency has been supporting innovative direct to student and online marketing programs for over 40 years.
"We're excited to bring our 40 years of creating success on campus and digital initiatives to Liquid Avatar and to bring this important and innovative program to our collegiate communities, allowing users to manage and control their digital identity and future credentials safely and securely," said Chris Nyland, Chief Operating Officer, The Campus Agency. "This is our second program with KABN North America and Liquid Avatar, as we're already jointly a part of the COVID-19 consortium for creating Verifiable Identity Healthcare Credential."
KABN North America's mission is to empower users to manage, control and financially benefit from their biometrically verified Self Sovereign Identity. Launching in the coming weeks, KABN NA's Liquid Avatar platform allows users to create high quality digital icons of themselves, representing various facets of their personality that allows them to share what they want, when they want, and with whom they want, as easily as sharing an image. Liquid Avatar users will also be able to create digital wallets to manage and store a wide range of verifiable identity and access credentials, providing users with the tools and services to take their conventional identity online, and prove themselves as easily and effectively as they do in the "real world".
"The collegiate market and Gen Z cohort are primary opportunities for Liquid Avatar and KABN" said David Lucatch, CEO KABN. "These groups are major influencers to their friends and families, and we believe that we can offer users a wealth of value and increase their ability to manage their Self Sovereign Identity through our tools and services. The Campus Agency is the perfect organization to complement our efforts and to partner with."
See: PwC Report: Canadian Digital Trust Insights 2021: Cybersecurity comes of age
KABN KASH, in combination with its KABN Visa Card (currently available in Canada with expansion opportunities for the US currently being explored), provides access to over 300 brand-named merchants that will reward users with cash back on their online purchases.
If you would like to join our mailing list and receive updates on KABN Systems NA Holdings Corp., please click here
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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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Self-driving Banking
Financial Times | OpEd by Brian Brooks | Jan 12, 2021
Lenders run by algorithms and blockchain technology will require 21st century regulation
The writer is the US acting comptroller of the currency In 1961, Popular Science magazine envisioned self-driving cars.
The reality arrived sooner than anyone anticipated, and before safety regulators could adapt. Most automotive laws — on speed limits, giving signals, drink-driving — had been designed to protect against dangerous drivers, not dangerous cars. Autonomous vehicles brought new risks that legacy rules never considered. As one headline on the Wired website put it: “Who’s Regulating Self-Driving Cars? Often, No One”.
Banking is headed down the same road. And it’s being driven by the technology behind decentralised finance, or DeFi. But just as the original rules of the road protected us from other drivers, so our current bank regulations exist mainly to prevent human failings.
See: Intro to yield farming and the latest developments in DeFi
At the US Office of the Comptroller of the Currency, we require every bank to have officers responsible for its safety — such as a chief risk officer and a chief audit executive. We limit how much banks can lend to their directors. We even make some bank employees take a certain amount of vacation so others can sit at their desks and identify potential fraud. We call it bank regulation, but we’re really regulating bankers.
DeFi turns all this on its head. It leverages blockchain technology to deliver services with no human intermediation.
One example is creating money markets with algorithmically derived interest rates based on supply and demand — rates that traditional banks set by committee. Other DeFi projects include decentralised exchanges that allow users to trade without brokers, and protocols for lending that do not involve loan officers or credit committees. Although these “self-driving banks” are new, they are not small. They are likely to be mainstream before self-driving cars start to fly.
However, self-driving banks present the same challenges and opportunities as autonomous vehicles. On the opportunity side, they can allow savers to stop shopping around for the best interest rates by having algorithms do this for them. They can also end discrimination against certain borrowers by having software make credit decisions. They could even eliminate the risk of fraud or corruption by no longer being run by humans at all.
See: Interested in a High Interest Bitcoin Saving’s Account? Interview with Ledn CEO, Adam Reeds
Self-driving banks also present new risks, though. If technology accelerates withdrawal of depositors’ funds, just as high-frequency trading can accelerate equity sell-offs, that could increase liquidity risk compared with traditional banks. Asset volatility could be a concern for similar reasons. And the management of loan collateral could be more difficult if humans are not involved in valuations.
There is also a risk that, in the absence of federal regulatory clarity, US states rush to fill the void and create a patchwork of inconsistent rules that impede the orderly development of a national market. This is exactly what happened with self-driving cars. Federal regulators must therefore determine what a regulatory scheme for self-driving banks should look like. Could they ensure fair treatment of customers by such a bank? Sure.
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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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Fintechs score highest service quality on comparison metrics for personal banking current accounts 2021
FCA | Jan 14, 2021
This performance scorecard highlights some of the information available on personal current accounts (PCAs), and can help customers choose their provider by highlighting:
- good and poor performers
- how easily they can carry out day-to-day banking activities
- the reliability of the service they receive
These metrics should also increase the incentive for firms to offer better service, helping customers to get the most out of their personal current accounts.
Detailed below are 3 sources of data consumers can use to compare personal current account providers. These metrics only relate to service and not to the quality or price of products.
Personal current account service quality metrics
These independent league tables show customers how the 19 largest personal current account providers rank on quality of service and online and mobile banking services, making it easier to compare providers. This is information required by the Competition and Markets Authority (CMA).
Quality of service is determined by how likely customers would be to recommend their provider to friends and family. Online and mobile banking services is determined by how likely customers would be to recommend their provider’s online and mobile banking services to friends and family
In August 2020, the survey showed Monzo (86% score) as the top ranked bank for overall service quality, and Tesco Bank as lowest ranked (44%). Chart 1 shows the results from all 19 banks.
For online and mobile banking services, the survey showed Monzo (89% score) as the top ranked bank and Tesco Bank as lowest ranked (59%). Chart 2 shows the results from all 19 banks.
As well as overall service quality and online and mobile banking services, this survey also covers:
- overdraft services
- services in branches
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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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Happy Fist Bumper: Community Raising Funds for Tim Hortons Worker
CTV News | Katherine DeClerq | Jan 6, 2021
TORONTO -- An Ontario Tim Hortons worker set to receive a large payout thanks to a community crowdfunding effort says he plans on sharing some of the funds with his teammates and donating some to others in need.
Hundreds of people have contributed to a GoFundMe campaign set up in honour of a drive-thru window operator named Vishnugopan (Vishnu) Sothilingam, who works at a Tim Horton’s near Bathurst Street and Rutherford Road in Vaughan, Ont.
“If you’re having a crummy day, just go and get a cup of coffee from him and he’ll make you smile” Matthew Shulman, the creator of the campaign, told CTV News Toronto.
“He just makes everybody feel happy and it just shows that there are good people out there who go above and beyond.”
Sothilingam’s positive attitude, silly jokes and fist bumps captured the attention of numerous regular Tim Hortons customers, including Shulman, who decided to create the crowdfunding campaign after hearing that Sothilingam supported his family and had to leave school for financial reasons.
See:
How Governments Should Use Crowdfunding to Battle the Economic Impact of #Socialdistancing
The digital transformation of learning: Social, informal, self-service, and enjoyable
FINTECH FRIDAY$ (EP24-Feb 8): Re-imagining Philanthropy with Daryl Hatton, Founder and CEO of ConnectionPoint/FundRazr
The goal for the GoFundMe page was originally set at $10,000, but as of Wednesday more than $21,000 has been raised. Shulman told CTV News Toronto that he posted the website to a community group and quickly about $8,000 in donations poured in.
After that, Shulman said, media reports gave it a bit more exposure.
“All of a sudden, we were getting donations from all over the world,” he said
Sothilingam, who has worked at Tim Hortons for more than 10 years—or most of his life as he put it—told CTV News Toronto that he was shocked to hear of the community fundraising efforts.
“Honestly, I just do my job,” he said. “I'm pleased and happy to see them every morning and they give me a great vibe and I try to keep that energy back to them.”
“A smile doesn’t cost. It’s pretty free.”
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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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