Fintech Reports and Research

Apr-2023: Money, Tokens, Games (Citi)
Apr-2023: Fintech and the Future of Finance (World Bank Group)
Apr-2023: 2023 State of Crypto (a16zcrypto)
Feb-2023: The Fragility of DeFi Lending (Bank of Canada Staff Paper)
Feb-2023: Latam Fintech Regulation, 3rd edition (Lloreda Camacho)
Feb-2023: Bringing Corporate Purpose into Mainstream (David Suzuki Foundation)
Jan-2023: Top Trends in Payments 2023 (Capgemini)
Jan-2023: Digital Euro Stocktake (European Central Bank)
Jan-2023:  AI Governance and Human Rights (Chatham House)
Dec-2022:  The Winter of Crypto's Discontents (Goldman Sachs)
Nov-2022:  CBDCs in Africa (BIS)
Nov-2022:  2022 Canadian Web3 Landscape (Incubella)
Oct-2022:  2023 Banking and Capital Markets Outlook (Deloitte, Centre for Financial Services)
Oct-2022:  The Forces Disrupting Payments (BNY Mellon and Aite-Novarica Group)
Oct-2022:  UK Treasury Committee Inquiry: Crypto Asset Industry (Innovate Finance/Shearman & Sterling)
Sep-2022:  Blockchain for Public Finance (OMFIF / EY)
Sep-2022:  The Future of Money and Payments (U.S. Treasury)
Sep-2022:  Pulse of Fintech H1'22 (KPMG)
Sep-2022:  The Money Revolution (IMF)
Jun-2022:  The Future of Monetary System (BIS - Chapter extract)
Jun-2022:  Value Creation in the Metaverse (McKinsey & Co)
May-2022:  Fintech and the Future of Finance (The World Bank)
May-2022:  2022 State of Crypto (A16z)
Apr-2022:  Demistifying Crypto Payments 2022 (
Mar-2022:  Study on New Digital Payment Methods (Commissioned by ECB)
Mar-2022:  Emerging Growth Trends 2021 (Beauhurst and Deloitte)
Jan-2022:  Opportunities in the Metaverse (JP Morgan)
Jan-2022:  Virtual Banking and Beyond (BIS)
Jan-2022:  Financial Markets Regulatory Outlook 2022 (Deloitte UK, EMEA regulatory strategies)
Jan-2022:  Blockchain: Legal and Regulatory Guidance (second edition) (UK Law society / Tech London)
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:  DeFi for the Metaverse (Outlier Ventures)
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:

Latest news - Fintech Reports and ResearchFF Logo 400 v3 - Fintech Reports and Researchcommunity social impact - Fintech Reports and Research

FundRazr | Daryl Hatton | May 28, 2023 FundRazr, a well-known fundraising platform, has launched an Environmental Fundraising Spotlight (free of charge) until July 2023. This initiative aims to provide a special focus on campaigns that are raising funds for various environmental causes, such as wildlife and marine life protection, ocean and sea conservation, preservation of natural habitat and resources, biodiversity, and land and forestry. See:  FINTECH FRIDAY$ (EP24-Feb 8): Re-imagining Philanthropy with Daryl Hatton, Founder and CEO of ConnectionPoint/FundRazr Benefit:  Participating organizations stand to benefit from increased visibility through FundRazr's paid social media promotions and advice from btheir digital fundraising strategists. These efforts are meant to attract more donors and ensure the campaign's success. This initiative is not only an opportunity to raise funds for the cause but also to gain a wider network and increase awareness for environmental protection. The Environmental Fundraising Spotlight is free of charge, with FundRazr investing in paid advertising to support the participating environmental movements. The only deductions from the raised money are standard third-party payment processing fees determined by the selected payment processor. To maintain the free usage of the platform, an optional tip is requested from supporters. FundRazr provides a range of ...
Read More
Fundrazr environmental campaign spotlight - Fintech Reports and Research
The Block | Yogita Khatri | May 27, 2023 Beijing has released a comprehensive white paper, titled "Web3 Innovation and Development White Paper (2023)," promoting the advancement of web3 technologies. China's Evolving Crypto Stance: Beijing's authorities view web3 as a pivotal trend in the internet industry's evolution. They're committing substantial resources, with Beijing's Chaoyang district pledging 100 million yuan (~$14 million) annually until 2025, to transform Beijing into a global digital economy innovation hub. Despite banning cryptocurrency use in 2021, China seems to be progressively warming up to the crypto industry. The white paper signals this shift, with Beijing actively promoting the development of web3, a technology intimately tied to blockchain and cryptocurrencies. This week's segment by China Central Television, featuring Bitcoin and NFTs - though subsequently removed - further corroborates the softening stance. See:  10 Most Innovative Companies in 2023: Blockchain, Crypto, Metaverse, Web3 Synchronized Timing: The release of Beijing's web3 white paper coincides interestingly with new crypto regulations in Hong Kong. Binance CEO Changpeng Zhao pointed out that Hong Kong's new crypto rules come into effect from June 1, indicating a broader shift in Asia's digital economy and regulatory landscape. This timing suggests a coordinated regional strategy towards ...
Read More
Web3 in China - Fintech Reports and Research
CBC News | May 26, 2023 Brain implant company says U.S. regulator approval is 'important first step' to launching their technology FDA Greenlights Neuralink for Human Trials: Neuralink, the innovative brain-implant company led by serial entrepreneur Elon Musk, announced that it has secured approval from U.S. regulators to initiate testing its pioneering device in human subjects. This marks a significant milestone for the tech giant, opening up unprecedented possibilities in the realm of neurotechnology. Neuralink's Promise for Treating Brain Disorders and Injuries: The device, a revolutionary brain-computer interface about the size of a large coin, is designed to be implanted in the skull, potentially restoring vision and improving motor control in patients. Musk's vision extends to bridging signals from the brain to Neuralink devices in the spinal cord, which could offer transformative treatment options for severe neurological conditions. See:  16z: 2023 State of Crypto (and Index) The Beginning of a New Era in Neurotech: Despite the remarkable promise of this technology, it's still considered an "investigational device" and its safety and efficacy are yet to be fully established. The approval for clinical trials signifies the beginning of an exciting era in neurotechnology, promising unprecedented advancements in understanding and treating brain-related ...
Read More
Freepik jcomp brain - Fintech Reports and Research
Wealth Professional | Steve Randall | May 26, 2023 A recent international study conducted by the CFA Institute and the FINRA Foundation focused on the investment behaviors of Gen Z individuals (aged 18-34) in Canada, the US, UK, and China. The study emphasized the need for governments, regulators, and investment professionals to support Gen Z by providing them with the necessary knowledge and educational tools to make informed investment decisions. It also noted the impact of macroeconomic factors, the rise of cryptocurrency, and the influence of social media "finfluencers" on the investment habits of this cohort. See:  Early-stage Investing – The Public gets a Seat at the Table The study revealed several key findings: Gen Z Canadians exhibit the highest level of investing activity among the four countries surveyed, with 74% owning at least one investment product. This figure surpasses China (57%), the US (56%), and the UK (49%). The fear of missing out (FOMO) was identified as the primary motivator for 40% of Canadian Gen Z individuals to start investing. Access to financial advice through social media and the availability of investing apps and cryptocurrencies were identified as significant factors influencing investment decisions. Cryptocurrencies served as the starting point ...
Read More
Women checking portfolio online - Fintech Reports and Research
May 26, 2023 Technology and software are taking over the world, and there is software for almost anything you can imagine. As of 2022, the software industry was $474.61 billion and is projected to grow by 11.9% between now and 2030. As you would expect in any high-value industry, software development attracts quite a crowd, but only the best stand out. It takes a lot to create software that stands out, and as a developer, you want to be sure you profit from your efforts. This guide focuses on patent registration and can be an excellent read if you are in the software development industry. What Are Patents Patents are a form of IP protection extended by a government to innovators with groundbreaking ideas. For an idea to qualify for patent registration, it must be new, useful, and non-obvious. New means the innovation must be the first in the world. Usefulness means that the invention must have a practical application. Lastly, non-obvious means the invention must not be something another person trained in the field can easily create. The applicant must also provide detailed information on the subject of registration in such a way that another person skilled in the ...
Read More
Unsplash Danial Igdery Person coding on device - Fintech Reports and Research
The Defiant | Samuel Haig  | May 24, 2023 In a push to revive its downtrend and amplify adoption, Solana, a Layer 1 blockchain noted for quick, low-cost transactions, launched a ChatGPT plugin that enhances its user interface. Solana AI ChatGPT plugin: The plugin facilitates various actions including NFT purchasing, token transfers, and on-chain data analysis, making it a powerful tool for those developing consumer-oriented applications. Future iterations are expected to enable the writing and deployment of smart contracts on-chain, making the Solana blockchain more accessible and user-friendly. See:  Solana DeFi Is Starting Over — OpenBook Signs of Live Despite Market Challenges: Despite a significant 92% drop from its 2021 highs, Solana has started to recover, showing an 80% increase in the SOL token this year. However, the project faced various challenges including outages, criticisms regarding decentralization, and significant market share loss to other low-cost Layer 1s. The downfall of FTX and Alameda Research, significant Solana investors, also dealt a blow to the ecosystem. Solana persists and looks to AI as a means to regain momentum and foster growth. Boost for AI Grant Accelerator Program: In a bid to nurture the development of machine learning models interacting with Solana-based protocols, ...
Read More
Solana - Fintech Reports and Research
CanadaHelps | May 26, 2023 It’s easy to join the Great Canadian Giving Challenge June 1-30, 2023! Enter to win $20,000 for any Charity*: 1. Search: Find your favourite charity that you want to help win. 2. Donate: Every $1 donated this June on is a chance to win!* 3. Celebrate: Feel good knowing the impact your donation made and wait to see if your gift is the winning donation when the grand prize winner is drawn on July 1st, 2022! Learn more --> Now Also accepting crypto donations!  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: ...
Read More
CanadaHelps Great Canadian Giving Challenge2 - Fintech Reports and Research
Coinsmart | Justin Hartzman | May 25, 2023 Binance's recent withdrawal from the Canadian market due to regulatory concerns has sparked fear and uncertainty among the community. However, contrary to popular belief, strict crypto regulations in Canada aim to enhance investor safety and foster a thriving industry ecosystem. Binance's Exit Explained:Binance's withdrawal from the Canadian market is linked to the new regulations introduced by the Canadian Securities Administrators (CSA). These regulations require crypto asset trading platforms (CTPs) to meet specific requirements. They include segregating client assets Appointing a Chief Compliance Officer Prohibiting leveraged trading Banning stablecoins Failure to comply leads to cessation of operations. Binance, along with OKX and DyDx, has exited the Canadian market due to these regulations. See:  PwC Partner and Fintech Lead Interview: “Fintech is Becoming Crypto’ The need for crypto regulations in Canada arose after the industry suffered from a "crypto contagion" in 2022, resulting in financial losses for individuals and institutions. Regulations aim to protect citizens, stabilize the banking system, combat fraud, enhance digital security, prevent illicit activities, and establish industry standards. Regulations should be approached with caution, aiming to protect consumers while fostering innovation. Collaborative efforts between regulators and industry leaders are crucial for ...
Read More
Coinsmart Crypto regulation in Canada - Fintech Reports and Research
The Guardian | Kalyeena Makortoff  | May 25, 2023 Anne Boden, the founder and CEO of Starling Bank, has made the surprising decision to step down as chief executive in order to avoid potential conflicts of interest as a major shareholder. She believes that the roles and priorities of a shareholder and a CEO ultimately differ and wants to ensure there is no conflict. Boden, who launched Starling Bank in 2014, will relinquish her executive role next month but remain on the board as a non-executive director. She initiated discussions about her departure six months ago, and her decision was not prompted by UK regulators or the board. See:  Research: Which UK Bank Customers are Most at Risk of Fraud? Starling Bank, which has 3.6 million customers, recently announced that its revenues for the year ending March 2023 have more than doubled to £453m, leading to its second consecutive year of annual profits. The bank will be temporarily led by its chief operating officer while searching for a permanent replacement for Boden. “Now that we have grown from being an aspiring challenger to an established bank, it is clear the roles and priorities of a CEO and a large shareholder ...
Read More
Image Starling Bank PR - Fintech Reports and Research
May 26, 2023 Investing your money is one of the most important things you can do for your financial future. By investing wisely, you can set yourself up for long-term financial stability and security. In this article, we'll take a look at some of the key things you need to know about investing for your future. Why Invest? The first question you might have is: why invest at all? There are several reasons why investing your money is a smart choice: Grow Your Money: Investing your money allows you to potentially earn a higher return than you would get from a savings account or other low-risk investment. Beat Inflation: Inflation can eat away at the value of your money over time. By investing, you can potentially earn a return that beats the rate of inflation, helping you stay ahead financially. Meet Financial Goals: Whether you're saving for a down payment on a house or planning for retirement, investing can help you achieve your financial goals. Types of Investments There are many different types of investments you can make, each with their own unique risks and potential rewards. Some common types of investments include: Stocks: When you buy a share of ...
Read More
Freepik storyset investing - Fintech Reports and Research