Decentralized Venture Ecosystem

Fintech Reports and Research

Dec-2021:  Q4 Blockchain market report (Medium)
Dec-2021:  Rise of Open Banking Consumer Study (Mastercard)
Dec-2021:  CBDCs: Functional scope, pricing and controls (European Central Bank)
Dec-2021:  Digital Asset Revolution - The Rise of DeFi (BRI and Ninepoint)
Nov-2021:  Regulation of Cryptocurrency around the World (Law Library of U.S. Congress)
Nov-2021:  Powering the Future of Regulatory Technology (FSRA of Abu Dhabi Global Market)
Nov-2021:  Bitcoin Adoption and Belief in Canada (Bank of Canada, Staff Paper)
Nov-2021:  How consumers use savings apps (UK OBIE)
Nov-2021:  Decrypting Crypto (Barclay's Rise)
Nov-2021:  Report on Stablecoins (US President Biden's working committee on Financial Markets - PWG)
Oct-2021:  Decarbonising Crypto (SUMO and Crypto Wallet)
Oct-2021:  Updated FATF Travel Rule Exlainer (XReg Consulting)
Oct-2021:  Canada and the Digitalization of Money (Centre for International Governance Innovation)
Sep-2021:  Rising to the challenge of new global realities (Canadian Senate, Prosperity Action Group)
Sep-2021:  Smart path to open finance (Coadec)
Sep-2021:  Energy Footprint of Blockchain Consensus Mechanisms Beyond Proof-of-Work (UCL Centre for Blockchain Technologies)
Sep-2021:  Establishing a Digital Euro (Internet Economy Foundation)
Aug-2021:  Comparison of Open Banking Recommendations (Library of Parliament, Canada)
Aug-2021:  Final report - Advisory Committee on Open Banking (Advisory committee to Department of Finance, Canada)
Aug-2021:  Unlocking the value of data: Exploring the role of data intermediaries (Centre for data ethics and innovation)
Jul-2021:  The changing fintech landscape: A snapshot of M&A themes and trends (Sherman & Sterling, Barclays, S&P Global)
Jul-2021:  Surveying of young people towards capitalism and socialism (Institute Economic Affairs)
Jun-2021:  Task Force on Financial Stability (Brookings Institute)
Jun-2021:  Financial Data: The Consumer Perspective (Financial Health Network)
Jun-2021:  AI in Financial Services (The Alan Turing Institute)
Jun-2021:  New Forms of Digital Money - Discussion Paper (Bank of England)
Jun-2021:  Insights Report: Climate Fintech (Rise by Barclays)
May-2021:  Canadian Prepaid Ecosystem Highlights (FGS and CPPO)
May-2021:  Financial Services Risk Trends (Allianz)
Apr-2021:  PwC's CBDC Global Index (PwC)
Apr-2021:  Public consultations results on a digital Euro (European Central Bank)
Apr-2021:  Latest UK Legal and Regulatory Trends (Herbert Smith Freehills)
Mar-2021:  Big Techs in Finance: Regulatory approaches and Policy Options (BIS, Financial Stability Institute)
Mar-2021:  Artificial Intelligence Index Report 2021 (Stanford University)
Mar-2021:  Kalifa Review of UK Fintech (Kalifa)
Feb-2021:  State of Fair Banking in Canada: Borrower and Lender Perspectives (DUCA Impact Lab and Angus Reid Group)
Feb-2021:  Pulse of Fintech H2'20 (KPMG)
Jan-2021:  Capital Markets Modernization Taskforce (Task Force on behalf of Ontario Government)
Dec-2020: Digital Banking and Digital ID Dialogue Sessions (Standards Council of Canada)
Dec-2020:  Primary on Digital Assets (LabCFTC)
Dec-2020:  Financial Regulation on the Horizon (Linklaters)
Dec-2020:  Global Fintech:  Year in Review 2020 (Linklaters)
Nov-2020: Understanding GDPR | The role of standards in compliance (Standards Council of Canada)
Nov-2020:  The Global Fintech Ecosystem Report 2020 (Startup Genome)
Oct-2020:  Cryptocurrency Enforcement Framework (US Dept Justice, Attorney General's Cyber Digital Taskforce)
Sep-2020:  Guidance: Data Ethics Framework (UK Government)
Sep-2020:  Blockchain Legal and Regulatory Guidance (The Law Society - UK and Tech London Advocates)
Aug-2020:  People's Money:  Harnessing Digitization to Finance a Sustainable Future (UN Secretary General, SDG Task Force)
Aug-2020:  The Future of Growth Capital (Deloitte and Innovate Finance)
Jul-2020:  Towards monitoring Financial Innovation in Central Bank Statistics (Irving Fischer Committee, BIS)
Jul-2020:  How the Pandemic is Changing the Economy (The Hamilton Project)
Jul-2020:  ON Capital Markets Modernization Task Force - Consultation Report July 2020 (Independent Capital Markets Task force)
Jul-2020:  UK Fintech Focus Report (KPMG in partnership with Google Cloud)
Apr-2020:  Global Payments 2020: Transformation and Convergence (BYN Mellon)
Apr-2020:  Global Alternative Finance Benchmarking Report (Cambridge Centre for Alternative Finance)
Feb-2020:  Fintech sector views (UK FCA)
Jan-2020:  Global Bitcoin Markets and Local Regulations (Asian Development Bank)
Jan-2020:  Cyber Security Body of Knowledge (CyBOK v1.0) (National Cyber Security Centre)
Nov-2019:  Legal Statement on Crypto Assets and Smart Contracts (Lawtech Delivery panel)
Nov-2019:  Global Fintech Report Q3 2019 (CB Insights)
Nov-2019:  Crypto Trends Report 2019 (Coinshares)
Aug-2019:  Open Banking Qualitative Research Report (Department of Finance, Canada)
Aug-2019:  Focus Group on Application of Distributed Ledger Technologies (Release v1) (International Telecommunications Union)
Aug-2019:  2019 Fintech Trends to Watch (CB Insights)
Aug-2019:  Q2 Fintech Insights, Financing and M&A (Financial Technology Partners)
Jun-2019:  Canada's digital charter in Action (Innovation Science & Economic Development Canada)
Jun-2019:  Open Banking:  What it Means for You?  (Senate of Canada)
Jun-2019:  The Regulation of Tokens in Europe (thinkBLOCKtank)
Apr-2019:  Digital Identity: A Key to Inclusive Growth (McKinsey Global Institute)
Apr-2019:  Global Cryptoasset Regulatory Landscape Study (Cambridge Centre for Alternative Finance)
Mar-2019:  A Compendium of Innovation Methods (Nesta UK)
Feb-2019:  2018 State of Regulation Crowdfunding - RegCF Title III (CCA)
Feb-2019  Fintech Trends to Watch in 2019 (CB Insights)
Jan-2019:  Open Banking is Coming...(PwC)
Jan-2019:  Guidance on Cryptoassets (FCA)
Jan-2019:  Join Report on Regulatory Sandboxes and Innovation Hubs (European Banking Authority)
Nov-2018:  The Virtual Currency Regulation Review (Stikeman Elliott)
Nov-2018: Compliance Trilemma:  Challenges for ICOs (iComply / Mitacs)
Aug-2018:  Pulse of Fintech 2018 (KPMG)
May-2018:  Regulatory Burden Undermining Business Competitiveness (Canadian Chamber of Commerce)
May-2018:  Regulating disruption (Mowat Centre)
Apr-2018:  Navigating the New Realities of Global Trade (McKinsey&Company)
Mar-2018:  An overview of Fintech in Canada (Global Risk Institute)
Mar-2018: Digital and Digital Assets:  Federal and State Issues (American Bar Association +)
Feb-2018:  Asean Fintech Census 2018 (EY)
Oct-2017:  The Value of Fintech (KPMG commissioned by City of London)
Sep-2017:  The Global FinTech Report: Q3 2017 (CB Insights)
Mar-2017:  Blockchain and Financial Inclusion (Chamber of Digital Commerce)
Feb-2017:  How blockchain technology could change our lives (European Parliament)

 


NCFA Jan 2018 resize - Fintech Reports and Research 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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New York Times | Shira Ovide | Jan 18, 2022 Microsoft is making a big bet on video games, and even if you’re like me and don’t really play them, it’s worth taking notice. Microsoft said on Tuesday that it would buy Activision Blizzard, which makes video games including Candy Crush and Call of Duty. Microsoft will pay close to $70 billion for the game maker, a lot of money even for such a rich company. Activision slots into Microsoft’s other video game businesses, including the Xbox game console and video game makers like Halo and Minecraft. See:  Inside the metaverse economy, jobs and infrastructure projects are becoming real But Microsoft’s acquisition also shows that video games are not merely entertainment anymore. They have become weapons that today’s technology titans wield to try to shape our future in their preferred direction. I’m talking about the “metaverse,” the terrible shorthand that technologists have adopted for a broad vision of a future internet that will further blur the lines between online life and real life, and between people and computers. The metaverse is hard to define. (We could just call it the next phase of the internet, but I guess that’s too ...
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microsoft buys activision - Fintech Reports and Research
Cato Institute | Norbert Michel | Jan 14, 2022 Emmer introduced legislation to prohibit the Federal Reserve from issuing a central bank digital currency (CBDC) for use by individuals. This week Rep. Tom Emmer (MN–R) introduced legislation to prohibit the Federal Reserve from issuing a central bank digital currency (CBDC) for use by individuals. A CBDC of this nature goes by several names, but it is just a private account for individual customers at the central bank, an institution that historically serves commercial banks. In his press release, Emmer noted that “to maintain the dollar’s status as the world’s reserve currency in a digital age, it is important that the United States lead with a posture that prioritizes innovation and does not aim to compete with the private sector.” Emmer deserves high praise for taking such a principled stand for the private sector over further government centralization and control. See:  ‘Ready to Go’: Powell Says Fed Report on Crypto and CBDCs will drop in the coming weeks He clearly understands what’s at stake with a CBDC, and Americans can only hope that many other members of Congress share his sympathies. With any luck, the Federal Reserve researchers working on the Fed’s upcoming CBDC report — one that could be released ...
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CBDCs - Fintech Reports and Research
Crowdfund Insider | JD Alois | Jan 12, 2022 Seedrs, a leading UK-based securities crowdfunding platform that is merging with Republic, has provided a retrospective of 2021 performance. According to Seedrs, 2021 was a year that delivered record-level funding. The top-line numbers are as follows: £696 million invested into securities offerings 310 funded deals 102 securities offerings of over £1 million A 90% funding success rate 12 portfolio companies delivered profitable company-level exits in 2021. See:  $100M Crowdfunding Deal: Republic acquires the UK’s Seedrs for European expansion The largest private offerings listed on Seedrs include: Lick – £15 million – most funded Ziglu – £7.326 million or 724% as the highest percentage funded Chapel Down – £6.95 million involving 4172 investors – the most investors of any securities offering Seedrs not only facilitates capital formation in the UK but is active in continental Europe having funded 33 EU businesses during 2021. Investors harken from 74 different countries. A key feature of the Seedrs platform is its successful secondary market – a service that has been years in the making as private securities trading is a challenging task. Seedrs reports that during 2021 trading increased by 60% versus 2020 with £8 ...
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Seedrs office - Fintech Reports and Research
FinBold | Jordan Major  | Jan 16, 2022 The Bitcoin mining sector has piqued the interest of several countries over the last year, and it appears that the United States government is starting to become interested in this market. As a result, a hearing has been scheduled in the US to explore the ramifications of the energy consumption incurred by cryptocurrency mining operations. Indeed the Subcommittee on Oversight and Investigations of the Committee on Energy and Commerce will conduct a public hearing on the subject next Thursday, January 20, according to the House Committee. “The Subcommittee on Oversight and Investigations of the Committee on Energy and Commerce will hold a hybrid hearing that includes both in-person and remote attendance on Thursday, January 20, 2022, at 10:30 a.m.” See:  Landmark Jury Verdict Finds Digital-Asset Products Linked to Cryptocurrency Mining Are Not Securities The investigation is titled “Clearing Cryptocurrency: The Energy Implications of Blockchains,” and in particular, the Subcommittee is interested in learning about the energy consumption of blockchains, with the premise that they may create environmental concerns in the future. On the scheduled day, the hybrid hearing will also live stream on YouTube. Congress’ energy subcommittee to discuss cryptocurrency Bitcoin has ...
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US government - Fintech Reports and Research
McKinsey Digital | Matteo Biondi, Anna Heid, Nicolaus Henke, Niko Mohr, Lorenzo Pautasso, Ivan Ostojic, Linde Wester, and Rodney Zemmel | Dec 14, 2021 A burgeoning quantum-computing ecosystem and emerging business use cases promise to create significant value for industries—if executives prepare now. Accelerating advances in quantum computing are serving as powerful reminders that the technology is rapidly advancing toward commercial viability. In just the past few months, for example, a research center in Japan announced a breakthrough in entangling qubits (the basic unit of information in quantum, akin to bits in conventional computers) that could improve error correction in quantum systems and potentially make large-scale quantum computers possible. And one company in Australia has developed software that has shown in experiments to improve the performance of any quantum-computing hardware. As breakthroughs accelerate, investment dollars are pouring in, and quantum-computing start-ups are proliferating. Major technology companies continue to develop their quantum capabilities as well: companies such as Alibaba, Amazon, IBM, Google, and Microsoft have already launched commercial quantum-computing cloud services. Of course, all this activity does not necessarily translate into commercial results. While quantum computing promises to help businesses solve problems that are beyond the reach and speed of conventional ...
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harvard physicists - Fintech Reports and Research
Moxie Marlinspike blog | Jan 7, 2022 Despite considering myself a cryptographer, I have not found myself particularly drawn to “crypto.” I don’t think I’ve ever actually said the words “get off my lawn,” but I’m much more likely to click on Pepperidge Farm Remembers flavored memes about how “crypto” used to mean “cryptography” than I am the latest NFT drop. Also – cards on the table here – I don’t share the same generational excitement for moving all aspects of life into an instrumented economy. Even strictly on the technological level, though, I haven’t yet managed to become a believer. So given all of the recent attention into what is now being called web3, I decided to explore some of what has been happening in that space more thoroughly to see what I may be missing. How I think about 1 and 2 web3 is a somewhat ambiguous term, which makes it difficult to rigorously evaluate what the ambitions for web3 should be, but the general thesis seems to be that web1 was decentralized, web2 centralized everything into platforms, and that web3 will decentralize everything again. web3 should give us the richness of web2, but decentralized. See:  Inside the ...
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Moxie marlinspike blog - Fintech Reports and Research
CNBC | Cameron Costa | Jan 15, 2022 If 2021's word of the year was "NFT," Avery Akkineni says 2022's will be "Web 3.0." This year, digital assets built on the blockchain will likely continue to expand well beyond the music and art industries. Luxury fashion brand Balenciaga has already teamed up with Fortnite to deliver to users designer "skins" to wear inside the game. Gucci has done the same with Roblox, and Louis Vuitton and Ralph Lauren have launched their own Roblox experiences. Brian Trunzo, metaverse Lead at Polygon Studios, which focuses on gaming, NFTs and Web3 efforts linked to the polygon digital currency and ethereum blockchain network, says nimble, smart streetwear brands are already in the space as well. "The players have finally taken the field, and the game is about to truly start," Trunzo said. More direct commercialization strategies could be coming. Cathy Hackl, CEO and chief metaverse officer for the Futures Intelligence Group, a metaverse consultant, points out that for luxury brands in particular, the metaverse could be an access point for a secondary market. See:  Bracing For Change In The Era Of The Augmented Workforce "When someone sells their Birkin bag on The RealReal, Hermes ...
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metaverse world - Fintech Reports and Research
Fortune | Grady McGregor | Jan 10, 2022 New estimates claim the CEO of cryptocurrency exchange Binance, Changpeng Zhao, is the world’s richest crypto billionaire, with a net worth rivaling the sums amassed by tech billionaires Elon Musk, Jeff Bezos, Bill Gates, and Mark Zuckerberg. On Monday, Bloomberg calculated that Zhao’s net worth is $96 billion, which would make him the 11th richest person in the world. On the Bloomberg Billionaires Index, Zhao, known as “CZ” in crypto circles, is now sandwiched between No. 12, Mukesh Ambani, CEO of Indian conglomerate Reliance Industries, and No. 10, Larry Ellison, cofounder of Oracle, who’s worth an estimated $107 billion. See:  Binance hires ex-regulators and incorporates in Alberta to charter compliance course in Canada OSC to Binance Investors ‘Not So Fast’: Binance Canada Receives License to Operate as Money Service Business Bloomberg says its estimate is based on Zhao’s stake in Binance, reporting that the exchange generated upwards of $20 billion in revenue in 2021 and that Zhao owns 90% of Binance’s shares, according to a review of the firm’s regulatory filings. Zhao’s net worth may be even higher than $96 billion since Bloomberg did not account for Zhao’s personal holdings of Bitcoin ...
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CZ binance wealth - Fintech Reports and Research
Fintech Confidential Issue 4 | Éliane Ubalijoro, PhD | Jan 13, 2022 A year and a half into the COVID-19 pandemic, the global economy is looking cautiously at recovery. According to the World Bank, growth will be very uneven given surges of virus variants, patchy vaccination rates, and withdrawal of government support measures, so global GDP in 2021 is still expected to be 3.2% below pre-pandemic projections. To support a more equitable and sustainable recovery, it is imperative that our economic systems recognize how they need to be underpinned by "flourishing communities, strong and resilient social institutions, thriving natural ecosystems and a stable climate” as the Capitals Coalition  articulates. As a member of their supervisory board, I truly believe that we must empower organizations to understand that their success and the success of the global economy more broadly is fundamentally dependent on natural, social, and human capital, in addition to produced capital. We must work to curb greenhouse gas emissions in all the ways we produce goods and services, whether it is how we impact, air quality, energy management, water quality, how we reduce waste streams and maximize circular economies to minimize our ecological footprint. We must ask ourselves how ...
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liane Ubalijoro alternative forms of capitalare key to sustainability - Fintech Reports and Research
Cointelegraph Magazine | Elias Ahonen  | Jan 12, 202 As Ethereum gas prices rise, the chain that inspired Web3 is becoming gentrified, with high transaction costs pushing less wealthy users onto competing blockchains or scaling solutions. This means that many use cases are becoming unfeasible in the proverbial layer-one downtown, and suburban neighborhoods are being developed to allow for a cost-effective layer-two blockchain experience. Since getting acquainted with Polygon around the time of its launch in late 2019, Sameep Singhania has been an avid supporter of projects built on the protocol. In 2021, he created QuickSwap, a decentralized exchange (DEX) serving the needs of the budding Polygon ecosystem. A DEX for Polygon After working on perhaps dozens of projects on Polygon from 2019 onward, Singhania “realized that to grow the Polygon ecosystem, we need a DEX.” See:  Single largest Ethereum contract worth $33.5 billion ‘trapped’ This was because while “99% of blockchain projects have a token,” listings on popular exchanges are not easy to arrange, and many users are not willing to create an account at an obscure exchange just to trade a particular token that is not listed elsewhere. A DEX can function as the central market square of ...
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Cointelegraph Polygon DEX quickswap - Fintech Reports and Research