Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Technology is the ‘most profound force bearing down’ on big banks, ex-Barclays boss says
HITC | Sep 3, 2018
Technology
is going to fundamentally transform the banking industry over the coming years, a former Barclays CEO told CNBC on Monday.
Technology is going to fundamentally transform the banking industry over the coming years, a former Barclays CEO told CNBC on Monday.
Antony Jenkins, who led the British bank through a tumultuous period between 2012 and 2015, said regulatory measures imposed in the aftermath of the 2008 financial crisis had made the global financial system safer.
But, ultimately, technology has the potential to make finance better for the customer, society and even banks themselves, he added.
"If you look at how the banks are capitalized today, the amount of liquidity they have inside them, they are way stronger today than they were before the crisis and that, of course, is a good thing," Jenkins said. "Some would argue there is still some way to go in that regard but actually the most profound force bearing down on the industry now is technology."
Since the crisis, banks globally have paid a heavy financial price, while the industry's reputation has plummeted.. Lenders have paid out more than $320 billion in fines over the last decade, Reuters reported, as regulators probed them for mis-selling securities and rigging interest rate and foreign exchange benchmarks.
Next week will mark the tenth anniversary of the collapse of the investment bank Lehman Brothers, as a bubble in the U.S. sub-prime mortgage market burst.
See:
Europe’s banks brace for a huge overhaul that throws open the doors to their data
The world’s new oil and AI’s imminent impact on the future of Fintech
'All banks do is just data'
"Financial businesses are data-based businesses, they are just data… and, of course, with technology now you can automate that and when you automate it, you can get a lot of efficiency and effectiveness," Jenkins said.
He added that "all banks do is just data" and so anything that makes handling data more effective can create a transformation. Jenkins singled out developments in artificial intelligence (AI) and distributed ledger technologies as pivotal in driving this change.
He also referenced the impact of technological advancements in the insurance industry.
Continue to the full article --> here
The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with fintech, alternative finance, blockchain, cryptocurrency, crowdfunding and online investing stakeholders globally. NCFA Canada provides education, research, industry stewardship, services, and networking opportunities to thousands of members and subscribers and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding and fintech industry. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: ncfacanada.org
 |  |  |
Canadian Digital Dollar | Nov 29, 2023 Bank of Canada Publishes Stakeholder Feedback on The Canadian Digital Dollar Initiative Since 2020, the Bank of Canada has actively engaged with Canadians and stakeholders to gather insights on the digital Canadian dollar. This has included diverse discussions with the financial sector, focus groups, civil society groups, and an online public questionnaire. The Bank of Canada's report, "A Digital Canadian Dollar: What we heard 2020–23 and what comes next", provides a feedback lens across several themes. Key Feedback Themes There's a shared interest in accessibility and financial inclusion ensuring that the digital dollar caters to underserved communities, with a focus on making it accessible without stringent identification requirements. This approach aims to bridge gaps in current digital payment offerings and promote universal access. Stakeholders emphasized the importance and concerns of privacy, advocating for a digital currency that offers the anonymity of banknotes. The public expressed strong reservations about sharing personal information and the potential overreach of privacy laws. See: Bank of Canada Publishes Staff Paper on ‘Unmet Payment Needs and CBDCs The importance of maintaining access to physical currency was highlighted, with suggestions to mandate merchant acceptance of banknotes to support marginalized communities ...
Regulation | Nov 29, 2023 Elon Musk and Mark Cuban Support Legal Challenge Against SEC's In-House Judges Elon Musk and Mark Cuban are backing hedge-fund manager George Jarkesy in a significant legal battle against the Securities and Exchange Commission (SEC). This case, now before the US Supreme Court, questions the SEC's use of in-house judges for imposing penalties. Jarkesy's argument, supported by Musk and Cuban, is centered on the constitutional right of defendants in SEC cases to have a jury trial. This challenge could reshape how the SEC and potentially other regulatory bodies like the Federal Trade Commission conduct their enforcement actions. The Problems with Conflicts and Power Imbalance The problem with the Securities and Exchange Commission (SEC) using in-house judges primarily revolves around concerns of fairness, constitutional rights, and the balance of power in regulatory enforcement. Here are some key points of contention: The central issue is the SEC's ability to bring cases before its own administrative law judges (ALJs) instead of federal courts. Critics argue that this denies defendants the constitutional right to a jury trial, which is seen as a fundamental aspect of the American legal system. There's a perception that in-house judges may be biased in ...
Nov 29, 2023 Nowadays environmental concerns have reached critical levels, that’s why sustainable construction practices have emerged as a beacon of hope. These practices not only help protect our planet but also offer numerous advantages to homeowners and builders alike. In this article, we will dig into the methods and merits of sustainable construction. Methods of Sustainable Construction Here are some key principles and methods integral to sustainable construction: 1. Energy Efficiency One of the foundational pillars of sustainable construction is ensuring that homes are constructed with energy efficiency and environmental sustainability at their core. This is where the auditing platform for home renovation grants comes into play. Such platforms provide valuable resources and support to homeowners and builders who are committed to accessing grants and incentives for sustainable construction projects. Sustainable construction places a strong emphasis on optimizing energy usage. Lighting serves as a crucial component of any building, and the choice of lighting fixtures holds the potential to dramatically impact energy efficiency. LED lights have emerged as the go-to choice for sustainable construction due to their myriad of benefits. LED lights are remarkably energy-efficient, consuming significantly less electricity compared to traditional incandescent or fluorescent bulbs. This substantial reduction ...
AI | Nov 29, 2023 Amazon has recently unveiled 'Q', an innovative AI-powered chatbot designed for businesses operations offering tailored solutions and advice Q was announced at Amazon’s re:Invent conference in Las Vegas, emphasizing its potential to revolutionize how businesses interact with AI technology and is trained on 17 years of AWS knowledge, offering tailored solutions and advice for a wide range of business queries. It's priced at $20 per user per year and currently in public preview and can be integrated with various business-specific applications like Salesforce, Jira, Zendesk, and Gmail, allowing it to learn and adapt to a company's unique structure and needs. Highlights The chatbot has advanced analytical capabilities and can analyze business data to identify customer pain points and suggest improvements, drawing from its extensive database and business-specific information. Beyond answering questions, Q can generate content like blog posts and emails, and execute tasks such as creating service tickets and updating dashboards, enhancing business efficiency. See: Amazon’s Anthropic Investment Shaping Future Job Landscape Q is designed with a strong emphasis on security and privacy, ensuring that it only accesses and provides information that the user is authorized to see, addressing potential concerns about data privacy and ...
NCFA Member Innovation Spotlight | Nov 28, 2023 ReliablyME launches an AI-powered Accountability Coach GPT blending ancient philosophical wisdom and modern AI technology to offer a unique approach to personal and professional development. The ReliablyME Accountability Coach GPT is now accessible through ChatGPT Plus. The tool is designed for a wide range of users, including professionals, entrepreneurs, students, and anyone interested in disciplined goal-setting and ethical practices. It stands out as an accessible, flexible, and cost-effective coaching solution. Founded in 2018, ReliablyME has been committed to delivering innovative and effective coaching solutions. With its focus on ethical and balanced growth, the company continues to be a leader in developing tools and resources that empower individuals and organizations to reach their full potential. Example Use Cases 1. Setting and Achieving Personal Goals Users seek assistance in defining clear, achievable objectives using the SMART (Specific, Measurable, Achievable, Relevant, Time-bound) framework. This often involves exploring personal or professional goals, such as improving productivity, pursuing a new skill, or achieving a specific fitness target. Accountability Coach GPT guides users in formulating these goals in a manner that is aligned with Stoic principles of focusing on what is within their control and Taoist concepts of ...
Bitcoin Mining | Nov 28, 2023 Bitfarms Ltd., a Canadian-based and publicly traded on NASDAQ and TSX, a leading global bitcoin mining company, recently announced a significant upgrade to its mining operations to boost the company's operational capacity and efficiency. The upgrade involves the acquisition of 35,888 Bitmain T21 miners, with an option for an additional 28,000 units, potentially elevating Bitfarms' operational capacity to an impressive 17 EH/s and 391 MW by the second half of 2024. See: One of Biggest Bitcoin Mining Firms in Canada, Bitfarms, to Adjust HOLD Strategy Last week, Bitfarms announced a $60 million Canadian private placement with U.S. institutional investors with the net proceeds from this private placement earmarked for the acquisition of new miners, expansion of infrastructure, and enhancement of the company's working capital. Bitfarms' purchase of 35,888 Bitmain T21 miners, priced at $2,660 each, enables unparalleled efficiency and mining power. This upgrade aligns with the upcoming bitcoin halving in April 2024, an event that typically triggers increased market activity and valuation fluctuations. The new T21 miners boast a highly efficient 3 Phase 415v PSU and High Energy Mode, aligning with global shifts towards sustainable mining practices. Third Quarter 2023 Results Bitfarms Ltd.'s financial ...
Crypto | Nov 28, 2023 Ex-Binance CEO Changpeng Zhao Faces Up to 10 Years in Prison Amid Bank Secrecy Act Violations Changpeng Zhao, the former CEO of cryptocurrency exchange Binance, is currently facing a potential prison sentence of up to 10 years. This development follows his guilty plea for violating the Bank Secrecy Act. The U.S. Department of Justice (DOJ) has expressed frustration over Zhao's permission to reside in the UAE until his sentencing, considering his billionaire status and the UAE's lack of an extradition treaty with the U.S. See: SEC Files Lawsuit and Accuses Kraken of Commingling Key Points Zhao has been charged by the DOJ for violating the Bank Secrecy Act, with the prosecution possibly arguing for a maximum 10-year term. This is a significant increase from the initially anticipated 12-18 month sentence. Binance has agreed to pay a massive $4.3 billion fine, marking one of the largest enforcement actions against a crypto platform. Zhao himself was personally fined $50 million. Attorneys for Zhao, a dual citizen of Canada and the UAE, submitted a motion last Thursday to the Western District of Washington in Seattle. They argued that Zhao is not a flight risk, emphasizing his voluntary appearance ...
Digital Identity | Nov 28, 2023 Syngrafii Announces Integration with Trulioo Identity Document Verification, Enhancing its iinked Sign™ and Video Signing Room™ (VSR) platforms. Syngrafii's strategic integration helps secure electronic signatures, addressing the evolving needs of regulatory bodies and combating financial crimes like mortgage and auto loan fraud. The integration not only streamlines the identity verification process but also fortifies compliance with KYC, KYB, and AML protocols, setting a new standard in the digital signing realm. See: Digital Identity in the Age of Web3: Empowering Individuals, Transforming Organizations Key Points: The integration with Trulioo's Identity Document Verification brings a new level of assurance in signatory authentication, combining e-signature and IDV processes into a unified, more secure platform. This integration is a response to the changing demands of regulatory agencies, law societies, and financial institutions, ensuring compliance and mitigating risks associated with financial crimes, and meets the standards of NIST and DIACC Syngrafii's iinked Sign™ now includes a "Write to Sign" feature, allowing signatories to use their own handwriting, enhancing the authenticity and non-repudiation of electronic signatures. This collaboration supports Syngrafii's expansion in core markets like Canada and the U.S., while enhancing global trust in digital transactions. Syngrafii's suite, including the ...
ESG | Nov 28, 2023 The Monetary Authority of Singapore (MAS) has recently launched 'Project Greenprint' (Gprnt), an innovative digital platform to streamline the collection and access of Environmental, Social, and Governance (ESG) data View release This initiative, part of Project Greenprint, aims to simplify sustainability reporting and decision-making processes for both large corporations and small and medium enterprises (SMEs). Gprnt integrates four key utilities: a disclosure portal, a data registry, a solutions marketplace, and data orchestration capabilities, offering a comprehensive solution for ESG data management. See: ‘Lazy’ ESG Fund Managers Are Caught Swimming Naked as SVB Exposes Scheduled for a progressive rollout starting from Q1 2024, Gprnt promises to automate ESG reporting, providing timely insights and enhanced data access for the ESG community. Gprnt enables businesses to automatically convert economic data into sustainability-related information. This includes integrations with various digital systems like utilities, payroll solutions, and AIoT sensors. The platform will collect data through APIs and compute ESG-related outputs. It will also use AI tools for data extraction from documents and a GPT4-powered chatbot for crafting sustainability disclosures. Gprnt's data registry and marketplace functions, launching next year, will facilitate access to aggregated data and connect solution providers with investors ...
Nov 29, 2023 In recent years, eco-friendly home renovations have gained significant traction, particularly in Canadian cities like Ottawa. Homeowners are increasingly seeking sustainable solutions that are not only environmentally responsible but also cost-effective in the long run. This article delves into the latest trends in eco-friendly bathroom renovations Ottawa, specifically tailored for the Ottawa market, offering practical tips and advice for those looking to make their bathrooms greener. Understanding Eco-Friendly Renovations Why Go Green in Your Bathroom? Eco-friendly renovations are all about reducing environmental impact. In the bathroom, this means using less water, reducing energy consumption, and choosing materials that are sustainable and have a lower carbon footprint. Not only do these renovations contribute to a healthier planet, but they also often result in lower utility bills and increased property value. Key Components of Eco-Friendly Bathrooms Low-Flow Fixtures: Including toilets, showerheads, and faucets designed to use significantly less water without compromising performance. Energy-Efficient Lighting: Opting for LED or CFL bulbs which use less energy and last longer. Sustainable Materials: Using recycled or sustainably sourced materials for countertops, cabinets, and flooring. Trends in Eco-Friendly Bathroom Renovations in Ottawa Sustainable Luxury The modern eco-friendly bathroom doesn't compromise on luxury. High-end materials ...
Canadian Digital Dollar | Nov 29, 2023 Bank of Canada Publishes Stakeholder Feedback on The Canadian Digital Dollar Initiative Since 2020, the Bank of Canada has actively engaged with Canadians and stakeholders to gather insights on the digital Canadian dollar. This has included diverse discussions with the financial sector, focus groups, civil society groups, and an online public questionnaire. The Bank of Canada's report, "A Digital Canadian Dollar: What we heard 2020–23 and what comes next", provides a feedback lens across several themes. Key Feedback Themes There's a shared interest in accessibility and financial inclusion ensuring that the digital dollar caters to underserved communities, with a focus on making it accessible without stringent identification requirements. This approach aims to bridge gaps in current digital payment offerings and promote universal access. Stakeholders emphasized the importance and concerns of privacy, advocating for a digital currency that offers the anonymity of banknotes. The public expressed strong reservations about sharing personal information and the potential overreach of privacy laws. See: Bank of Canada Publishes Staff Paper on ‘Unmet Payment Needs and CBDCs The importance of maintaining access to physical currency was highlighted, with suggestions to mandate merchant acceptance of banknotes to support marginalized communities ...
Regulation | Nov 29, 2023 Elon Musk and Mark Cuban Support Legal Challenge Against SEC's In-House Judges Elon Musk and Mark Cuban are backing hedge-fund manager George Jarkesy in a significant legal battle against the Securities and Exchange Commission (SEC). This case, now before the US Supreme Court, questions the SEC's use of in-house judges for imposing penalties. Jarkesy's argument, supported by Musk and Cuban, is centered on the constitutional right of defendants in SEC cases to have a jury trial. This challenge could reshape how the SEC and potentially other regulatory bodies like the Federal Trade Commission conduct their enforcement actions. The Problems with Conflicts and Power Imbalance The problem with the Securities and Exchange Commission (SEC) using in-house judges primarily revolves around concerns of fairness, constitutional rights, and the balance of power in regulatory enforcement. Here are some key points of contention: The central issue is the SEC's ability to bring cases before its own administrative law judges (ALJs) instead of federal courts. Critics argue that this denies defendants the constitutional right to a jury trial, which is seen as a fundamental aspect of the American legal system. There's a perception that in-house judges may be biased in ...
Nov 29, 2023 Nowadays environmental concerns have reached critical levels, that’s why sustainable construction practices have emerged as a beacon of hope. These practices not only help protect our planet but also offer numerous advantages to homeowners and builders alike. In this article, we will dig into the methods and merits of sustainable construction. Methods of Sustainable Construction Here are some key principles and methods integral to sustainable construction: 1. Energy Efficiency One of the foundational pillars of sustainable construction is ensuring that homes are constructed with energy efficiency and environmental sustainability at their core. This is where the auditing platform for home renovation grants comes into play. Such platforms provide valuable resources and support to homeowners and builders who are committed to accessing grants and incentives for sustainable construction projects. Sustainable construction places a strong emphasis on optimizing energy usage. Lighting serves as a crucial component of any building, and the choice of lighting fixtures holds the potential to dramatically impact energy efficiency. LED lights have emerged as the go-to choice for sustainable construction due to their myriad of benefits. LED lights are remarkably energy-efficient, consuming significantly less electricity compared to traditional incandescent or fluorescent bulbs. This substantial reduction ...
AI | Nov 29, 2023 Amazon has recently unveiled 'Q', an innovative AI-powered chatbot designed for businesses operations offering tailored solutions and advice Q was announced at Amazon’s re:Invent conference in Las Vegas, emphasizing its potential to revolutionize how businesses interact with AI technology and is trained on 17 years of AWS knowledge, offering tailored solutions and advice for a wide range of business queries. It's priced at $20 per user per year and currently in public preview and can be integrated with various business-specific applications like Salesforce, Jira, Zendesk, and Gmail, allowing it to learn and adapt to a company's unique structure and needs. Highlights The chatbot has advanced analytical capabilities and can analyze business data to identify customer pain points and suggest improvements, drawing from its extensive database and business-specific information. Beyond answering questions, Q can generate content like blog posts and emails, and execute tasks such as creating service tickets and updating dashboards, enhancing business efficiency. See: Amazon’s Anthropic Investment Shaping Future Job Landscape Q is designed with a strong emphasis on security and privacy, ensuring that it only accesses and provides information that the user is authorized to see, addressing potential concerns about data privacy and ...
NCFA Member Innovation Spotlight | Nov 28, 2023 ReliablyME launches an AI-powered Accountability Coach GPT blending ancient philosophical wisdom and modern AI technology to offer a unique approach to personal and professional development. The ReliablyME Accountability Coach GPT is now accessible through ChatGPT Plus. The tool is designed for a wide range of users, including professionals, entrepreneurs, students, and anyone interested in disciplined goal-setting and ethical practices. It stands out as an accessible, flexible, and cost-effective coaching solution. Founded in 2018, ReliablyME has been committed to delivering innovative and effective coaching solutions. With its focus on ethical and balanced growth, the company continues to be a leader in developing tools and resources that empower individuals and organizations to reach their full potential. Example Use Cases 1. Setting and Achieving Personal Goals Users seek assistance in defining clear, achievable objectives using the SMART (Specific, Measurable, Achievable, Relevant, Time-bound) framework. This often involves exploring personal or professional goals, such as improving productivity, pursuing a new skill, or achieving a specific fitness target. Accountability Coach GPT guides users in formulating these goals in a manner that is aligned with Stoic principles of focusing on what is within their control and Taoist concepts of ...
Bitcoin Mining | Nov 28, 2023 Bitfarms Ltd., a Canadian-based and publicly traded on NASDAQ and TSX, a leading global bitcoin mining company, recently announced a significant upgrade to its mining operations to boost the company's operational capacity and efficiency. The upgrade involves the acquisition of 35,888 Bitmain T21 miners, with an option for an additional 28,000 units, potentially elevating Bitfarms' operational capacity to an impressive 17 EH/s and 391 MW by the second half of 2024. See: One of Biggest Bitcoin Mining Firms in Canada, Bitfarms, to Adjust HOLD Strategy Last week, Bitfarms announced a $60 million Canadian private placement with U.S. institutional investors with the net proceeds from this private placement earmarked for the acquisition of new miners, expansion of infrastructure, and enhancement of the company's working capital. Bitfarms' purchase of 35,888 Bitmain T21 miners, priced at $2,660 each, enables unparalleled efficiency and mining power. This upgrade aligns with the upcoming bitcoin halving in April 2024, an event that typically triggers increased market activity and valuation fluctuations. The new T21 miners boast a highly efficient 3 Phase 415v PSU and High Energy Mode, aligning with global shifts towards sustainable mining practices. Third Quarter 2023 Results Bitfarms Ltd.'s financial ...
Crypto | Nov 28, 2023 Ex-Binance CEO Changpeng Zhao Faces Up to 10 Years in Prison Amid Bank Secrecy Act Violations Changpeng Zhao, the former CEO of cryptocurrency exchange Binance, is currently facing a potential prison sentence of up to 10 years. This development follows his guilty plea for violating the Bank Secrecy Act. The U.S. Department of Justice (DOJ) has expressed frustration over Zhao's permission to reside in the UAE until his sentencing, considering his billionaire status and the UAE's lack of an extradition treaty with the U.S. See: SEC Files Lawsuit and Accuses Kraken of Commingling Key Points Zhao has been charged by the DOJ for violating the Bank Secrecy Act, with the prosecution possibly arguing for a maximum 10-year term. This is a significant increase from the initially anticipated 12-18 month sentence. Binance has agreed to pay a massive $4.3 billion fine, marking one of the largest enforcement actions against a crypto platform. Zhao himself was personally fined $50 million. Attorneys for Zhao, a dual citizen of Canada and the UAE, submitted a motion last Thursday to the Western District of Washington in Seattle. They argued that Zhao is not a flight risk, emphasizing his voluntary appearance ...
Digital Identity | Nov 28, 2023 Syngrafii Announces Integration with Trulioo Identity Document Verification, Enhancing its iinked Sign™ and Video Signing Room™ (VSR) platforms. Syngrafii's strategic integration helps secure electronic signatures, addressing the evolving needs of regulatory bodies and combating financial crimes like mortgage and auto loan fraud. The integration not only streamlines the identity verification process but also fortifies compliance with KYC, KYB, and AML protocols, setting a new standard in the digital signing realm. See: Digital Identity in the Age of Web3: Empowering Individuals, Transforming Organizations Key Points: The integration with Trulioo's Identity Document Verification brings a new level of assurance in signatory authentication, combining e-signature and IDV processes into a unified, more secure platform. This integration is a response to the changing demands of regulatory agencies, law societies, and financial institutions, ensuring compliance and mitigating risks associated with financial crimes, and meets the standards of NIST and DIACC Syngrafii's iinked Sign™ now includes a "Write to Sign" feature, allowing signatories to use their own handwriting, enhancing the authenticity and non-repudiation of electronic signatures. This collaboration supports Syngrafii's expansion in core markets like Canada and the U.S., while enhancing global trust in digital transactions. Syngrafii's suite, including the ...
ESG | Nov 28, 2023 The Monetary Authority of Singapore (MAS) has recently launched 'Project Greenprint' (Gprnt), an innovative digital platform to streamline the collection and access of Environmental, Social, and Governance (ESG) data View release This initiative, part of Project Greenprint, aims to simplify sustainability reporting and decision-making processes for both large corporations and small and medium enterprises (SMEs). Gprnt integrates four key utilities: a disclosure portal, a data registry, a solutions marketplace, and data orchestration capabilities, offering a comprehensive solution for ESG data management. See: ‘Lazy’ ESG Fund Managers Are Caught Swimming Naked as SVB Exposes Scheduled for a progressive rollout starting from Q1 2024, Gprnt promises to automate ESG reporting, providing timely insights and enhanced data access for the ESG community. Gprnt enables businesses to automatically convert economic data into sustainability-related information. This includes integrations with various digital systems like utilities, payroll solutions, and AIoT sensors. The platform will collect data through APIs and compute ESG-related outputs. It will also use AI tools for data extraction from documents and a GPT4-powered chatbot for crafting sustainability disclosures. Gprnt's data registry and marketplace functions, launching next year, will facilitate access to aggregated data and connect solution providers with investors ...
Nov 29, 2023 In recent years, eco-friendly home renovations have gained significant traction, particularly in Canadian cities like Ottawa. Homeowners are increasingly seeking sustainable solutions that are not only environmentally responsible but also cost-effective in the long run. This article delves into the latest trends in eco-friendly bathroom renovations Ottawa, specifically tailored for the Ottawa market, offering practical tips and advice for those looking to make their bathrooms greener. Understanding Eco-Friendly Renovations Why Go Green in Your Bathroom? Eco-friendly renovations are all about reducing environmental impact. In the bathroom, this means using less water, reducing energy consumption, and choosing materials that are sustainable and have a lower carbon footprint. Not only do these renovations contribute to a healthier planet, but they also often result in lower utility bills and increased property value. Key Components of Eco-Friendly Bathrooms Low-Flow Fixtures: Including toilets, showerheads, and faucets designed to use significantly less water without compromising performance. Energy-Efficient Lighting: Opting for LED or CFL bulbs which use less energy and last longer. Sustainable Materials: Using recycled or sustainably sourced materials for countertops, cabinets, and flooring. Trends in Eco-Friendly Bathroom Renovations in Ottawa Sustainable Luxury The modern eco-friendly bathroom doesn't compromise on luxury. High-end materials ...
Related Posts
[Infographic] Top personal campaigns: First 24 hours predictive of success?- A risky picture for mergers and acquisitions?
- 10 reasons the $1 million crowdfunding cap should be $20 million
- How Cryptocurrency is changing Fintech
- Dec 15, 2022: Techstars Toronto Winter 2022 Demo Day
- Criminal Past Haunts Surviving Founder of Troubled Crypto Exchange
Leave a Reply