2022 Fintech and Funding Conference (FFCON22: REGEN) | Dec 1 + Dec 6, 2022 Hybrid

Fintech Reports and Research

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 (Checkout.com)
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: www.ncfacanada.org

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BankingDive | Anna Hrushka | Sep 23, 2022 Sen. Elizabeth Warren, D-MA, called the peer-to-peer payments network “unsafe,” claiming Zelle users were defrauded out of $500 million last year. “You have created a perfect weapon for criminals to use and they have used it and you have not stood behind your customers,” she told the witnesses, which included the CEOs of JPMorgan Chase, Bank of America, Wells Fargo, Citi, Truist, PNC and U.S. Bank. Zelle, a network designed to compete with P2P fintechs such as Venmo and Cash App, is owned by six of the seven banks represented at Thursday’s Senate Banking Committee hearing. Senate Democrats on Thursday pressed the CEOs of the nation’s largest retail banks to answer for scams associated with Zelle, a bank-owned peer-to-peer payments network, calling for the institutions to implement policies to protect and redress customers defrauded through the platform. See: Asset Managers, Banks Are Tightening Controls of Communication Tools like WhatsApp Some New Banking Rules Implemented to Protect Consumers in Canada In a joint letter sent to Consumer Financial Protection Bureau (CFPB) Director Rohit Chopra in April, the Democratic lawmakers called on the regulator to expand the definition of “error payments” to include payments ...
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Ms Warren at Zelle senate hearing - Fintech Reports and Research
TechCrunch | Anita Ramaswamy | Sep 20, 2022 Sardine announced it has raised $51.5 million in a Series B round led by Andreessen Horowitz’s (a16z) Growth Fund after closing $19.5 million for its Series A earlier this year.  “Faster instant payments mean faster fraud,” Sardine CEO and co-founder Soups Ranjan told TechCrunch. That’s the thesis behind his startup, which uses behavioral, financial and device-specific user data to detect fraud on behalf of its clients in the crypto and fintech industries. Growth: Sardine has grown considerably since it announced the Series A back in February, growing its roster of clients from ~50 to ~135 today, Ranjan said. Its customers include crypto exchanges FTX and Blockchain.com as well as fintechs with broader mandates such as Wealthsimple and Digit, he added. See:  Consumer Protection: Fintech Complaints Have Been Rising Differentiators: Sardine’s differentiation in the market as stemming from his team’s experience and the company’s focus on fintechs. Another major differentiator from competitors like Socure is its instant ACH and card onramp to crypto, which allows its customers to purchase over 30 different crypto assets instantly. Banks and card issuers typically use fraud detection algorithms for crypto that aren’t nearly granular enough.  Around half ...
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Fishy transactions - Fintech Reports and Research
Clyde&Co | Sep 21, 2022 On June 29, 2022, the Quebec government presented the draft Regulation respecting confidentiality incidents (the “Quebec Regulation”). The Quebec Regulation specifies the content of the new notification and record-keeping requirements following the occurrence of a confidentiality incident. The regulation is set to enter into force on September 22, 2022, along with the first amendments to Quebec's Act respecting the protection of personal information in the private sector (the “Private Sector Act”), following the adoption of Bill 64,  An Act to modernize legislative provisions as regards the protection of personal information (“Bill 64”). See:  5 Billion Profiles: Class Action Lawsuit Accuses Oracle of Privacy Breach and “Global Surveillance” Bill 64 received assent on September 22, 2021, which marked the start of Quebec's transition into modernizing the rules that apply to the protection of personal information. We recently published an insight which provides an overview of the amendments that Bill 64 is bringing along for the next few years. What is a confidentiality incident? As amended by Bill 64, Section 3.6 of the Private Sector Act provides the following definition of a “confidentiality incident”: access not authorized by law to personal information; use not authorized by law ...
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Quebec Draft regulation on confidentiailty incidents - Fintech Reports and Research
Investment Executive | Greg Meckbach | Sep 16, 2022 Open banking — available in Britain but not yet in Canada — is when a financial institution shares client account details (with consent) with a third party, without the client having to share their login name and password.   In 2021, a government-appointed advisory committee recommended that open banking be up and running by January 2023. In the committee’s proposed initial phase, third-party service providers (such as fintechs) should be able to read data from clients’ chequing and savings accounts, investments accounts, RRSPs, TFSAs and non-registered accounts that hold stocks, bonds, mutual funds and GICs, the committee said in its final report. Open banking should be mandatory for federally regulated banks and optional for provincially regulated institutions and “other entities,” the report added. Fee comparison:  Armed with such data, a third-party fintech could potentially tell a consumer how much they could save on fees, said Stephanie Holmes-Winton, CEO and founder of Halifax-based fintech CacheFlo Inc. Through open banking, a fintech could learn that a client has multiple accounts at different institutions with similar investments in them. The fintech could then compare the fees, Holmes-Winton said. See: Canada’s Open Banking Journey: Interview with ...
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Fintech open banking - Fintech Reports and Research
The Defiant | Owen Fernau  | Sep 22, 2022 Agency Alleges Ooki DAO Offered Derivatives Without a License In a case that has roiled the crypto community and triggered a dissent from one its own officials, the U.S. Commodity Futures Trading Commission (CFTC) brought an enforcement action yesterday that challenges fundamental tenets of decentralized finance. On Sept. 22, the regulator alleged in a lawsuit that a DAO called Ooki DAO engaged in activities that only regulated entities called futures commission merchants (FCM) can perform. The DAO illegally offered leveraged and marginal retail commodity transactions in digital assets, which are derivatives, and agreed to pay a $250,000 penalty, the CFTC said. The commission also named the venture’s founders, Tom Bean and Kyle Kistner, in the suit. See:  New U.S. Bill Gives Crypto Oversight to the CFTC The CFTC’s actions suggest that calling an entity a DAO, or invoking token-based voting as part of an organization’s decision-making process, doesn’t necessarily protect that entity from the legal responsibilities of a traditionally regulated institution. CFTC Commissioner Summer Mersinger - broke rank with her five fellow commissioners and said: The action wasn’t supported by the Commodity Exchange Act, the law that regulates derivatives inssuance, and amounted ...
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CFTC - Fintech Reports and Research
Betakit | Josh Scott | Sep 21, 2022 FrontFundr has launched its own fundraising campaign on FrontFundr, which the company said will remain open to the public until November 4. Toronto-based FrontFundr has announced that it has helped startups raise over $140 million across more than 100 fundraising campaigns using its equity crowdfunding platform. Since Canadian regulators introduced harmonized crowdfunding rules across Canada, making equity crowdfunding more accessible, Van Hoeken has seen its popularity rise, especially as broader economic conditions have worsened. So far, FrontFundr has raised a total of $7.3 million CAD from over 900 investors. The company aims to raise another $2.5 million to $5 million through its latest offering to support its product development plans and boost its sales. To date, FrontFundr has built a community of more than 30,000 users. The startup’s platform has helped Canadian tech startups like Manzil, Caary, and FrontFundr itself raise capital. Van Hoeken also sees a future where FrontFundr can help more public companies raise money using its platform. Over the longer-term, FrontFundr has ambitions to “spread [its] wings” across North America and into the United States. See:  Fintech Fridays EP57: 10 Years of Investment Crowdfunding: Past, Present & Future Since ...
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FrontFundrs team Sep 2022 - Fintech Reports and Research
Coinsmart | Release | Sep 22, 2022 TORONTO, Sept. 22, 2022 /CNW/ - CoinSmart Financial Inc. ("CoinSmart" or the "Company") (NEO: SMRT) (FSE: IIR), announced today that it has entered into a definitive agreement dated September 22, 2022 (the "Purchase Agreement") with Coinsquare Ltd. ("Coinsquare"), a leading Canadian crypto asset trading platform, pursuant to which CoinSmart has agreed to sell to Coinsquare all of the issued and outstanding shares of its wholly-owned operating subsidiary Simply Digital Technologies Inc. ("Simply Digital") (the "Transaction"). The acquisition and integration of these two businesses will establish Coinsquare as one of Canada's largest crypto asset trading platforms with a diversified and compliant offering across various business lines, including both retail and institutional trading, crypto payment processing, and digital asset custody. CoinSmart will hold approximately 12% ownership in Coinsquare on a pro-forma basis. The combined company has transacted over $10 billion since January 2018, and will have over $350 million in assets under custody with a combined user base in excess of 1 million. See:  FINTECH FRIDAY$ (EP23-Feb 1): Getting Smart About Crypto and Insurtech Snapchat Models – Interview with Justin Hartzman, Co-founder and CEO of Coinsmart Crypto Exchange CoinSmart Co-Founders Justin Hartzman, Jeremy Koven, and ...
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Coinsmart - Fintech Reports and Research
For Bitvo by Tristram Waye | Sep 22, 2022 Power of expectations and some broad elements that may impact your trading The deeper you get into the trading arena, the more you will notice the power of expectations.  Expectations shape pricing and the moves in response to news and events.  They shape how market participants reflexively respond and reposition which further influences prices and policies.  And that means that expectations affect your trading decisions. The Fed and the economic data:  We will be focused on the US because the Federal Reserve can be considered the world’s central bank.   These reports give some insight into the economic conditions taking place. Some of these have a lag. Others are more recent. And there are other reports that give more granular insights into business conditions and numerous other metrics.  See:  Should You Be Hedging Your Crypto Trading? These data points have varying relevance and importance based on circumstances in the real world. So one data point might be a focal point in one period and of little relevance in another. And, of course, there are seasonal trends in many data points. Right now, there is a focus on inflation. Inflation management falls to ...
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Power of expectations - Fintech Reports and Research
NfX | Pete Flint | Sep 2022 Affordability issues breeding innovation:  Real estate has always been more than just the largest asset class in the world. It is the embodiment of home and work, family and business – the opportunity of generational wealth, writ large. The American dream.  One that has become increasingly out of reach to most Americans. Paths to ownership of real estate are expanding. What “ownership” even means is also expanding. Affordability and access to traditional home ownership has only eroded since the housing bubble in 2008, as lending standards tightened and home prices have soared in recent years. And yet, restriction breeds innovation and market changes create opportunity. From the front lines with proptech Founders, we’re seeing early signs of a real estate revolution. See:  Vancouver Proptech Startup addy Launches Canada’s First Crowdfunded Real Estate Investing App Real Estate 1.0: The Information Revolution:  The first phase of tech adoption in the home-buying process was Real Estate 1.0, an information revolution enabled by the internet. The problem was the lack of information about one of the most important financial decisions a person can make: buying or selling a home. Real Estate 2.0: The Transaction Revolution: Streamlining the ...
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Real estate as a percentage of real assets - Fintech Reports and Research
TechCrunch | Carly Page | Sep 20, 2022 Fintech startup Revolut has confirmed it was hit by a highly targeted cyberattack that allowed hackers to access the personal details of tens of thousands of customers. Response: Revolut spokesperson Michael Bodansky told TechCrunch: an “unauthorized third party obtained access to the details of a small percentage (0.16%) of our customers for a short period of time.” Revolut discovered the malicious access late on September 11 and isolated the attack by the following morning.  We immediately identified and isolated the attack to effectively limit its impact and have contacted those customers affected.  Customers who have not received an email have not been impacted." See:  Revolut executive resigns amid growing tensions with the FCA over banking license In a message sent to affected customers posted to Reddit, the company said that “no card details, PINs or passwords were accessed.” However, the breach disclosure states that hackers likely accessed partial card payment data, along with customers’ names, addresses, email addresses and phone numbers. How many customers:  first spotted by Bleeping Computer, the company says 50,150 customers were impacted by the breach, including 20,687 customers in the European Economic Area and 379 Lithuanian citizens. How did ...
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Revolut  - Fintech Reports and Research