Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Regtech, Compliance, Governance
NVIDIA’s Controversial Data Scraping Under Fire
AI Data | Aug 6, 2024
Image: Freepik/rawpixel.com
NVIDIA is facing copyright backlash over scraping huge amounts of video to train it's AI models
AI and tech giant NVIDIA is reportedly under fire for illegally stealing large amounts of video footage from Netflix and YouTube without authorization, according to 404 Media. Despite internal ethical and legal concerns, the practice was approved by the highest executives, to improve AI capabilities for a series of projects like the Omniverse 3D world-building tool. Employees were told to download large volumes of video content using virtual machines and programs like yt-dlp, an open-source YouTube downloader.
What Was Downloaded and Why?
Employees were specifically instructed to scrape a broad range of video content from sites like netflix and youtube, such as movies and academic dataset assets (example the HD-VG-130M from Peking University), which is meant for non-commercial research purposes. The sheer volume of data scraped intended to improve NVIDIA's AI capabilities was staggering, with NVIDIA reportedly downloading 80 years' worth of video content every day.
Such training data would be used to create models for well-known active projects, such as:
- Omniverse 3D World Generator --> A program for building intricate 3D worlds
- AI models for self-driving car systems --> For advancing autonomous driving technology
- 'Digital human' products to produce realistic computer avatars
Apparently, media 404 anonymously interviewed a former NVIDIA employee and received slack channel and other proof of the Cosmos video data capture project that revealed employees raised ethical and legal concerns but were often dismissed by management as 'executive decisions'.
See: Meta Seeks New Standards in Labeling AI-generated Content
In May 2024, a data strategy email was sent to project team members, announcing they had amassed 38.5 million video URLs. “As we measure against our desired distribution focus for the next week remains on cinematic, drone footage, egocentric, some travel and nature".
Image: NVIDIA Pie chart of video URLs scrapped by project Cosmos, 404 Media
Jensen Huang, Nvidia CEO replied, "Great update. Many companies have to build video FM [foundational models]. We can offer a fully accelerated pipeline.”
NVIDIAs public response to data scraping allegations:
“Our models and our research efforts are in full compliance with the letter and the spirit of copyright law. Copyright law protects particular expressions but not facts, ideas, data, or information. Anyone is free to learn facts, ideas, data, or information from another source and use it to make their own expressions. Fair use also protects the ability to use a work for a transformative purpose, such as model training.”
What Is Being Done About This Case?
The case has drawn a lot of criticism and attention from the legal community. Scraping video from YouTube and Netflix's platforms is obviously against their terms of service, according to both YouTube and Netflix. Neal Mohan, the CEO of YouTube, has been particularly outspoken about this matter, claiming that utilizing YouTube video for AI training is a "clear violation" of their conditions.
See: Balancing AI Innovation and Intellectual Property Rights: Key Insights from the U.S. Senate Subcommittee Hearing
A range of legal proposals are currently being evaluated to address the issue head on. Among these is the AI Foundation Model Transparency Act, which would require businesses to provide more information about the data sources they utilize for AI training.
Common Issue in AI Industry
Data scrapping is part of a larger problem in the AI industry, as companies such as OpenAI, Apple, Salesforce, and Anthropic are all under scrutiny for similar activities. The use of copyrighted data to train AI models is still a legal grey area, with continuing arguments and lawsuits attempting to define the boundaries of fair use in this context. Proposed legislation, such as the AI Foundation Model Transparency Act, proposes to set clearer standards and oblige corporations to disclose their data sources for AI training, but it will take time.
Outlook
If NVIDIA is proven to have broken copyright laws, it may be subject to severe legal consequences, including more stringent rules and obligations for transparency about AI training methods.
See: A Look Inside Canada’s AI Commercialization Challenge
This case highlights the urgency that clear legal frameworks are needed now to strike a balance between AI progress and intellectual property rights.
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, artificial intelligence, 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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Help the BoE Shape the Future of Payments and Digital Money
Discussion Paper | Aug 5, 2024
Image: Pixabay/JESHOOTS com
Bank of England's Approach to Innovation in Money and Payments
As a leader in global fintech, the Bank of England (BoE) published a key discussion paper last week called, "The BoE's Approach to Innovation in Money and Payments," a proactive approach to guiding the future of financial innovations. With such a quickly evolving digital finance environment, it's important for the UK to preserve it's fintech leadership by prompting key fintech industry stakeholders to address numerous concerns to balance practical innovation while ensuring financial stability.
5 Initiatives of the Latest BoE Thinking
1. Real-Time Gross Settlement (RTGS) Renewal Programme
The BoE is improving the Real-Time Gross Settlement (RTGS) system, which is core to the UK's financial infrastructure. One of the updates is the introduction of Omnibus Accounts, which facilitate the use of central bank funds for the settlement of tokenized assets. These enhancements are intended to increase interoperability, increase system resilience, and extend access.
- Banks can pool their reserves at the BoE through Omnibus Accounts, which makes it easier to exchange tokenized assets on privately run platforms. This increases security and confidence by guaranteeing that transactions are backed by funds from the central bank.
- The updated RTGS system has a modular design that makes it possible to update it more quickly and effectively in response to changing market demands and emerging technology.
See: Bank of England Launches New Data Innovation Strategy
- The Bank of England fosters competition and innovation by granting greater access to settlement accounts to non-bank payment service providers (NBPSPs) and updating access regulations.
- The goal of these improvements is to make it easier to incorporate central bank funds into always-on payment systems. Examples of these improvements include extended operation hours and a synchronization interface with external ledgers, such as DLT.
2. Digital Securities Sandbox
The BoE has created a Digital Securities Sandbox in collaboration with the Financial Conduct Authority (FCA). Through the provision of a regulated environment, market players can securely issue and trade digital securities under this initiative, which promotes innovation while maintaining regulatory compliance. The sandbox seeks to:
- Encourage innovation by enabling the safe testing of novel financial instruments and technological advancements.
- Making sure that trading in digital securities doesn't jeopardize the financial system's overall stability.
- Upholding market integrity and strict guidelines for openness and equity in the online securities market.
3. Exploration of Private Digital Money
Stablecoins and tokenized deposits are examples of private digital currencies that the BoE is actively looking into integrating into the banking system. The creation of a legal framework to ensure the security and dependability of these innovations is the main goal.
See: UK’s Digital Pound Initiative Sparks Privacy Discussions
- Creating regulatory rules and protections for the creation and application of virtual currency.
- Mitigating risks and concerns about consumer protection and financial stability that may arise from incorporating new payment methods.
- Promoting the secure implementation of tokenized deposits and stablecoins to improve the accessibility and efficiency of the payment system.
4. Retail Central Bank Digital Currency (CBDC)
The BoE is considering the potential of a digital pound or retail CBDC to improve the efficiency of the payment system by offering a digital alternative to real currency. Among the retail CBDC's main objectives are:
- Ensuring that a digital pound coexists with traditional cash without taking its place.
- Ensure competition by establishing a public forum for payment innovation in the private sector.
- Cutting expenses for both customers and companies while simplifying payment procedures.
5. Programmable Platforms
Programmable systems like those built on Distributed Ledger Technology (DLT) are being investigated by the BoE for their ability to lower barriers while smart contracts have the potential to completely transform financial interactions. Having said that, most novel innovations come with regulatory challenges, and as such the BoE's priorities are currently to:
See: OMFIF Podcast: Smart Contracts and Retail CBDCs
- Evaluate the potential benefits of programmable platforms—like automation and efficiency gains—against the hazards involved.
- Establish a regulatory framework for safe, secure, and efficient application of programmable platforms in the financial industry.
- Promote (not stifle) innovation while preserving integrity and financial stability.
Primary Questions for Feedback
In order to strike the right balance and approach to incorporating new financial innovations, the BoE is seeking stakeholder feedback, such as:
- What are the significant benefits and risks of adopting programmable platforms in payments and settlement?
- How likely is it that wholesale financial markets will adopt these platforms at scale?
- What are the potential risks and benefits of tokenized deposits and stablecoins for wholesale transactions?
- How can these digital forms of money ensure the singleness of money?
- What functionalities should a retail CBDC include to be most effective?
- How can a retail CBDC support innovation, choice, and efficiency in payments?
- What key cybersecurity concerns arise with new payment technologies, and how can they be mitigated?
- What regulatory frameworks are necessary to manage new vulnerabilities introduced by digital currencies and payment innovations?
- How can innovations in money and payments avoid exacerbating the digital divide?
See: Inside OMFIF’s Tokenisation Report: New Rails of Finance
- What steps can ensure new financial technologies are accessible to underserved populations?
- How will the rise of private digital money affect traditional banking structures?
- What implications do digital currencies have for monetary policy and financial stability?
Conclusion
Hats off to the BoE who is obviously committed to balancing security and innovation. Soliciting feedback to ensure the future of digital money and payments is absolutely essential for meaningful progress. Contribute by October 31, 2024 to this important discussion this important conversation.
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, artificial intelligence, 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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Meta Agrees to Pay $14B to Texas for Data Privacy Settlement
Privacy Regulation | Aug 2, 2024
Image: Freepik/upklyak
Meta's $1.4B Settlement for Biometric Data Violations, the Largest Privacy Settlement by a Single State
Meta Platforms Inc. (parent company of Facebook), has agreed to a $1.4 billion settlement with the state of Texas for allegedly collecting and using biometric data from millions of Texans without their consent (see final order)
See: Meta Files New Patent: Voice ID Data for User Authentication…Progress or Privacy Concern?
This comes after Meta was fined a record-breaking €1.2 billion ($1.3 billion) by the European Union in May 2023. Given the grave consequences of violating someone's biometric privacy, this compensation is the biggest of its type. Just another cost of doing business?
Lawsuit and Settlement
- The lawsuit, which was filed in 2022, accused Meta of utilizing facial recognition technology to gather biometric information from users by means of its "Tag Suggestions" tool, which recognized people in Facebook images automatically.
- The office of Texas Attorney General Ken Paxton contended that the Capture or Use of Biometric Identifier Act (CUBI) was breached by this approach. The Act mandates specific user agreement for the gathering of biometric data.
- Meta will pay $1.4 billion over the course of five years with the first $500 million installment, due within 30 days of the settlement announcement.
- Additionally, Meta is required to notify the Texas Attorney General's office of any future actions involving biometric data, giving the state sixty days to raise objections.
Implications
- Meta has now removed more than 1 billion unique facial recognition templates and stopped offering Tag Suggestions. According to the firm, talks with Texas authorities over biometric data compliance will be made easier with this settlement.
See: AI and Children’s Privacy and Consent
- This agreement comes after the European Union fined Meta a record-breaking €1.2 billion ($1.3 billion) in May 2023. Meta was fined by the EU for breaking the General Data Protection Regulation for transferring user data from EU users illegally to the US.
- These penalties highlight the growing international scrutiny and regulatory challenges that tech companies must manage related to user permission and data privacy. Any improper handling of personal data could result in serious financial and reputational consequences.
Attorney General Paxton:
“After vigorously pursuing justice for our citizens whose privacy rights were violated by Meta’s use of facial recognition software, I’m proud to announce that we have reached the largest settlement ever obtained from an action brought by a single State. This historic settlement demonstrates our commitment to standing up to the world’s biggest technology companies and holding them accountable for breaking the law and violating Texans’ privacy rights. Any abuse of Texans’ sensitive data will be met with the full force of the law.”
Conclusion
With the proliferation of advanced data-driven technologies like artificial intelligence, companies must prioritize data privacy compliance or face legal and financial repercussions. This settlement is a win for protecting consumer data and biometric privacy laws, and sets a precedent in the United States and around the globe. Learn more: 2023 Data Privacy in North America – Year in Review
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, artificial intelligence, 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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U.S. Regulators Revisiting Bank-Fintech Partnerships
Regulation | Jul 30, 2024
Image: Freepik/rawpixel.com
U.S. regulators launch initiative to address bank-fintech partnership risks
The Federal Reserve, FDIC, and OCC have announced a new regulatory initiative to address the complexities and risks associated with bank-fintech partnerships. The regulatory agencies released a request for information with a particular emphasis on lending, payment processing, and deposit-taking. The results will influence future rulemaking. The agencies also published a comprehensive joint statement about their concerns, which includes guidance and best practices for banks and fintechs entering these arrangements.
Fintech-bank Partnerships: What Keeps Regulators Up At Night?
It goes without saying, regulators are concerned about operational and compliance risks. Banks face challenges in managing outsourced operations like fintech partnerships across regulatory frameworks. A lot is at stake since problems can go beyond inefficiencies and result in potential legal challenges.
See: CFPB Warns: Billions of Dollars Stored on Payment Apps May Lack Federal Insurance
Data security is pretty much everything these days. With fintech's growing role and involvement in handling sensitive customer data, there are legitimate concerns when it comes to proactively preventing (and managing) data breaches and maintaining customer trust. Imagine a situation where sensitive customer data is exposed due to a data breach at a fintech partner that processes payments for a bank. This occurrence not only damages the bank's brand but also calls into question the bank's supervision and the fintech's data protection protocols. In order to stop these kinds of breaches, regulators want to make sure institutions perform extensive due diligence and have strong monitoring mechanisms in place.
Regulators are concerned about misrepresentation of services, especially if there's confusion among customers about the terms of deposit insurance coverage and the specific roles fintech firms hold in delivering financial services. For example, in collaboration with a regular bank, a fintech company offers savings accounts; however, the fact that the FDIC insures these accounts only up to a particular amount is not clear in the communication to customers who think that all of their money is secure (when in fact it's not). The possibility of consumer harm and legal consequences highlight the need for clear and transparent disclosures of insurance coverage and the responsibilities of all parties involved.
Implications for Canada
Although this is a U.S. initiative, the increased scrutiny and potential regulatory reforms may push the Office of the Superintendent of Financial Institutions (OSFI), to take similar actions.
See: Bank-Fintech Partnerships and Trends 2024
Put differently, if international norms are changing, Canadian banks and fintechs, especially with cross-border operations, may need to revise their compliance frameworks and risk management strategies to strengthen data protections and clear disclosures affecting how Canadian fintechs may engage with customers.
Outlook
The results of the RFI will probably influence additional regulations and guidelines, which will determine how these partnerships are structured going forward. Stay tuned...
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, artificial intelligence, 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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Guide: PSP Registration with Bank of Canada (RPAA)
Payments Regulation | Jul 30, 2024
Image: Pixabay/geralt
Do I Need to Register as a Payment Service Provider (PSP) with the Bank of Canada under the New Retail Payment Activities Act?
The Retail Payment Activities Act (RPAA) requires Payment Service Providers (PSPs) in Canada to register with the Bank of Canada. This article goes over the basic criteria, FAQs, case scenarios, and the registration process, and includes various useful links and resources.
Retail Payments Registration Criteria (more)
- Based on your payment services or function --> PSPs must register if they perform critical payment operations such financial transfers, account maintenance, or payment processing.
- Operate in Canadian Markets --> Registration is necessary for any PSPs operating in Canada or targeting Canadian clients.
- Some exemptions --> Certain organizations, such as government agencies and certain merchant programs, may be excluded.
Frequently Asked Questions (in detail)
Do I need a license?
- The RPAA requires registration, not licensing. The Bank of Canada maintains a list of registered PSPs. See the supervisory framework and registration requirements.
What if I'm operating now but not registered?
- During the transition period from November 1, 2024 – September 7, 2025, PSPs must apply for registration within 15 days of starting operations.
- After September 7, 2025, registration is required before executing any retail payment operations.
Are there any benefits of registration?
- Registration increases market confidence, promotes competition, and may provide access to essential payment systems.
See: Bank of Canada Publishes New Retail Payment Enforcement Policies
What is the scope of the RPAA?
- The RPAA applies to all PSPs engaged in retail payment activities in Canada, including international PSPs serving Canadian users.
Do cross-border transactions need to be reported?
- PSPs must record cross-border transactions, unless they are ancillary to other services. The Bank of Canada will offer guidance on reportable transactions.
Are there any exemptions?
- Banks and other financial institutions regulated under different Canadian laws may be excluded from the RPAA's requirements.
Registration Case Scenarios (more)
- Affiliated entities linked by control or ownership must register if they provide payment services.
- Agents who act on behalf of another entity must register if they make payments.
- Designated payment systems of the financial system.
- Foreign firms providing payment services in Canada must register.
- Merchants or group of merchants that issue store-specific payment instruments may be exempt from registration.
- Merchants who provide incidental payment services may need to register.
- Software providers who offer payment accounting software and invoice payment services.
- Providers of POS systems that process payment information must evaluate whether registration is required.
Registration Process
- PSPs must provide detailed information about their services and third-party relationships. See guide in preparing for registration application.
- A $2,500 non-refundable fee is required for registration.
- Applications filed during the transition period will be processed beginning September 8, 2025. Registration does not expire, although it can be withdrawn under certain circumstances.
See: BoC Speech: Essence of the New Retail Payment Activities Act
Conclusion
Registration as a PSP under the RPAA is required for compliance and market participation in Canada. See the Bank of Canada's FAQ page for more information.
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, artificial intelligence, 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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FCAC Embraces New Role in Canadian Consumer Banking
Open Banking | Jul 30, 2024
Image: Freepik/vectorjuice
With the passing of Bill C-69, the Financial Consumer Agency of Canada (FCAC) embraces its expanded role to oversee Canada’s consumer-driven banking framework
As formally confirmed on June 28, 2024, the Financial Consumer Agency of Canada (FCAC) has embraced the task of supervising Canada's consumer-driven banking environment. The federal government's initiatives to improve and modernize consumer protection in the financial industry include this enlarged role. Bill C-69 legislation formalizes the framework, granting FCAC the authority to enforce regulations that prioritize consumer rights and adapt to the evolving financial landscape.
See: Small Step Forward As Feds Publish Straw-man Open Banking Framework
- Canada's open banking framework is scheduled to be introduced in 2024 with implementation expected by 2025. Only the biggest banks will initially be a part of this phased strategy; other institutions will be able to opt in over time.
- With the framework, Canadians will have more control over their financial information and be able to share it securely with authorized third-party providers. The goal of this is to develop the financial services industry into one that is more innovative and competitive.
- With the appointment of a Senior Deputy Commissioner of Consumer-Driven Banking to its ranks, the FCAC will be in charge of monitoring compliance and making sure that all parties follow strict security and privacy guidelines.
Werner Liedtke, interim commissioner, FCAC:
"FCAC has a strong track record in consumer protection and the supervision of federally regulated financial institutions. The Agency has also led multiple consumer awareness campaigns to help Canadians navigate an increasingly digital financial marketplace. The evolution of our mandate over the past 23 years positions us to effectively oversee and promote an innovative and competitive framework that benefits all parties.”
See: Open Banking: Revolutionizing Financial Data Sharing
Closing
Success is dependent on positive collaboration between government, financial institutions, and fintech companies who will need to ensure that the new system satisfies the needs and expectations of Canadian customers.
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, artificial intelligence, 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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Revolut Finally Receives UK Banking License (after 3 years)
Regulation | Jul 26, 2024
Image: Revolut receives UK banking license (website)
Revolut secures UK banking license, enabling expanded services and increased customer security.
Regulators have finally approved Revolut for a UK banking license. With a license Revolut can provide more services to its clientele and offer them better protection. The road to evolve from a fintech platform to a full bank was a drawn out process that took about 3 years of intense regulatory scrutiny by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) who were that as the company rolled out new services Revolut wouldn't be able to uphold the high standards of governance, risk management, and consumer protection. Revolut also forged a recent partnership with Softbank that may have helped remove the barrier to receiving a coveted banking license.
In 2023, Revolut reported a record profit of $533 million (previously there were years of losses), fuelled by a surge of new customers with over 12 million new customers joining the platform in the past year.
- Revolut's license process is still in what's called 'mobilisation phase', which is a period of time the company is transitioning to fully prepare operations for a new set of regulatory conditions. Those conditions must be met before Revolut can offer the full range of banking services. Strict standards are involved and a robust infrastructure is required akin to traditional banks.
See: Revolut Launches Low Fee Crypto Exchange in the UK
- The UK banking license permits Revolut to offer an expanded suite of financial services, including loans, overdrafts, and potentially mortgages.
- With the new banking license, customer deposits will be covered under the Financial Services Compensation Scheme (FSCS) up to £85,000 which enhances customer trust and security when it comes to the discussion of 'are my funds safe'.
What it matters
Fintech is growing up and competing with traditional banks. Revolut's new UK banking license will improve their ability to compete by offering more comprehensive financial services while attracting a broader and deeper customer base.
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, artificial intelligence, 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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